A financial plan has to consider two aspects: 1) How Much Do You Plan to Spend from Your Portfolio Year-By-Year and 2) How Do You Invest. Those two pieces of the puzzle have to fit together. You can’t judge one without the other. But if

Annually rebalancing back to our chosen mix of stocks and bonds is far more important for us retirees than it is for younger folks. Rebalancing is “required” when you’re following the CORE principles in Nest Egg Care.

I think many folks who are

We use a Retirement Withdrawal Calculator (RWC) to help us find our Safe Spending Rate (SSR%), and the calculator also tells us, in effect, How To Invest to be confident in that Safe Spending Rate.

The key information we get from an RWC is

Last week the Social Security Administration announced a 2.0% increase for inflation (COLA or Cost-of-Living Adjustment) for 2018. What’s this mean for me and for you?

1. Social Security payments will increase by 2% starting in January. That’s the increase before the deduction of

I discuss Why I Wrote This Book in Chapter 1 of Nest Egg Care and also here. Both of those reflect “the nice” me. As time goes by and the more I think about it, the more frustrated and cynical I get. The “angrier

I devote a Chapter to this in Nest Egg Care. But here is the overview.

1. I didn’t know, now that I’m retired, answers to two key questions, “What can we Safely Spend and Never Run Out?” “Is this connected to How

You can see the calculations on this spreadsheet. I first entered the return rates for the prior 12 months for our stocks and for our bonds. (You can see at the top of the sheet that I used December 15 as the end of

Once you know How Much to Spend and How to Invest – two uncertainties that you control – you can squarely face the uncertainties that you don’t control –  Market Returns and Lifespan. Once you are confident of your decisions and plan, I think you

Nest Egg Care describes four CORE principles for your financial retirement plan. I think you will find the workbook is straightforward and simple to follow. Nest Egg Care gives you a worksheet and shows you the one I completed for our plan. The resulting plan