Category Archives: Uncategorized

Should you rent when you are retired?

We should think about renting and not buying when we are retired. We should even think that selling our home and renting is NOT A HORRIBLE CHOICE. As the years roll by, I get more passionate about NOT SINKING CASH into non-financial assets – like

Should my 40-year old niece contribute to a Target Date fund for her 401k?

My niece texted me last week. Her employer is being acquired, and her investment choices for the replacement 401k plan are completely different from those in her current plan. The plan identifies a default investment option, a Target Date fund offered by American Century. I’m

Have you started on your tax planning for 2020?

I spent some time this week planning for 1) where Patti and I will get our Safe Spending Amount for 2021 (SSA; see Nest Egg Care (NEC), Chapter 2) and 2) how much we will pay in total tax in 2020. I

If you have a Variable Annuity, should you keep it or sell it?

Have you invested in a variable annuity? Last week I wrote that I would not invest in one as an option to help build a retirement nest egg. This case is different. It assumes you already have a variable annuity. What should you do?

Should you invest in a Variable Annuity to help build your nest egg?

Variable Annuities are popular. Investors poured over $240 billion into them in 2019. I opened a variable annuity account at Fidelity maybe 15 or 20 years ago as added way to save for retirement. I’m not remembering my thought process, but I’d guess that I

Is it time to sell stocks?

OMG. This article says 33% of investors over age 65 sold ALL their stocks this year! (This may have been FALSE NEWS*.) This is about the worst idea ever. Surely you didn’t do this. What does this tell us nest eggers? Those folks have NO

What are the basic steps to rebalance your portfolio?

Ages ago – over a year ago, I think – the links broke under the Resources tab on this web site. Nothing downloaded when you clicked on the resource. Reader Jeff asked me for replacements. I emailed them to him after I had updated a

Are you the Master of your Hockey Stick?

My friend Dan sent Patti and me an invitation (Hey, real mail!) and underneath our names in the address it said, “The Hockey Stick Masters.” I laughed. Dan knows I have our hockey stick imprinted in my brain. He’s seen my orange painted hockey stick.

What are my favorite productivity tools?

Why do I think about making my life more productive when I’m retired? I want to keep simplify the routine, take away stress, and try to be effective every day. I’ve mentioned a few of these before, but this post describes my checklist of things

What will you do with the money you are not spending?

I looked online at our credit card balance, and I can see that we currently have a big NEGATIVE balance. That’s due to refunds on airline tickets for trips we had planned. It looks like our credit card payments for April, May and June will

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