What’s it all about now that we are retired? Enjoying More, NOW and helping others to Enjoy More, NOW. Why would we spend money on something that subtracts from what we could ENJOY?

Every year at this time I ask the question when two

What the heck are those? Those are the nine worst annual (calendar year) real (inflation-adjusted) returns for stocks since 1926 – over the past 92 years. HORRIBLE! UGLY! SCARY! The message of this post: Nest Eggers ALWAYS plan for the worst and adjust if it

We Nest Eggers think differently about retirement and live differently in retirement than most. We Nest Eggers focus on Enjoying More, NOW and helping others Enjoy More, NOW.

What do we do?

• At the start of every year, we pay ourselves our

I like looking at the Vanguard Style Box (I call it a Nine Box.) at the end of the year to get a snapshot of what outperformed and what underperformed the US stock market as a whole. Vanguard displays this matrix of its index (and

Fellow Nest Egg Team members: you should be happy with our team’s scoring for last calendar year ending December 31. Our team had a very good year. If you followed the recommendations in Nest Egg Care, you came out with handsome results. As in

I opened my Gift Envelope this morning, the one I gave to Patti and me on January 2, 1982 – 36 years ago. I emptied its contents on the kitchen island counter: $102,800!*

I followed the same investment plan as for the envelope

In our Recalculation the first week of December, Patti and I found that we had far more than enough to support our current spending. A small mountain of cash: +$147,000 per $1 Million starting Investment Portfolio (December 2014). And a calculation of a new Safe

Yep. It’s a hockey stick with that inflection point locked in right where I want it to be – 2035. That’s zero probability of depleting our portfolio for 18 years. The Safe Spending Rate (SSR%) of 4.75% and other original design decisions determined the shape

I reviewed our extensive Retirement Financial Plan (Written out, it fits on a 3 by 5 card.) and made the following changes:

1. On my 3 by 5 card, I erased the $46,100 that I had written in pencil last year for our Safe

This is my imagined task every December 15. I even mark this day as Bottling Day on my calendar. Why do I do this? To imagine my portfolio differently.

We all need to form our view of risk tolerance. The real shape of my