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Retiring With Enough — Business
Retiring With Enough

Retiring With Enough focuses on Simplifying Retirement through three main paths to a happy retirement: Money, Purpose and Freedom. Dr. Guidry maintains a CRPC™ (Chartered Retirement Planning Counselor) designation and has over 70 years of life experience with over 50 years investing experience as a DIY (Do It Yourself) investor.

Copyright: © 2024 Retiring With Enough

Latest Episodes:

Retirement All Stars #3- Mark Ross, MBA, ACC Nov 12, 2024

Join me as I interview Mark Ross, MBA, ACC. Mark is an “Encorepreneur,” Thought Partner/Coach, Team Host with the Rock Retirement Club, and a Strategic Coach with the REALIFE Process. Mark shares his insight as a retirement coach and a nine year retiree.

If you’d like to be a part of a free online retirement community, join us on Facebook:

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Retirees and Finances: A look at Spending Trends Nov 05, 2024

A great deal of information has surfaced about spending patterns in retirement. One of the most commonly accepted theories is the theory of “U-shaped” spending. The U-shaped spending pattern indicates increased spending at the beginning and the end of retirement, with less spending in the middle phase.

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“Disappearing” in Retirement Oct 29, 2024

There are two considerations involved in the action of “Disappearing” in retirement. One factor is how you view yourself, and the other factor is how you are viewed by others.

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Downsizing in Retirement Oct 22, 2024

Downsizing is a real consideration among pre-retirees and retirees. My wife and I decided that downsizing was right for us, and have lived comfortably in a small patio home for the last ten years. In this podcast I discuss the pros and cons of downsizing.

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Deciding When to Retire Oct 15, 2024

Kevin Lyles, Head Retirement Coach of the Rock Retirement Club, joins me in a long form discussion about deciding when is the right time to quit working and retire.

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The Tie That Binds Oct 08, 2024

It was during these weeks spent in the small town where I grew up that I learned a valuable life lesson. I began to realize the importance of the connection between people was greater than the help provided.

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Understanding IRMAA: What it Means for You Oct 01, 2024

“We are all ignorant; just about different things.” -Mark Twain.
Find out why I was both flabbergasted and "flat footed" when I first met IRMAA.

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Get Moving- A Beginner’s Guide to Fitness Sep 24, 2024

“Believe you can, and you’re halfway there.” – Theodore Roosevelt. Starting a fitness program doesn’t have to be elaborate or expensive. Most people can begin a basic fitness program with clothing and items normally found around a home. A simple program requires only commitment and a few inexpensive items.

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Mastering an Exercise Program Sep 17, 2024

Each week my approach is to combine stretching, weightlifting, and aerobic activities in different ways to provide a rounded training program.

Vince Lombardi is quoted as saying: “Most people fail, not because of lack of desire, but, because of lack of commitment.”

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The Big Sprint Sep 10, 2024

In horse racing parlance, my wife and I are approaching the clubhouse turn. Like racehorses near the end of a race, we have begun our sprint to the finish line. For us, the finish line will be the completion of our move into our new home.

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The Big Push Sep 03, 2024

“Don’t give up. The beginning is always the hardest. Life rewards those who keep pushing through the challenges.” – Paulo Coelho, The Alchemist (1988)

The saga continues as we purchase our new home and begin renovations. How are things going?

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The Big Drain Aug 27, 2024

In my last podcast (The Big Move), I spoke about our decision to purchase another home in a more upscale area of our hometown. I went over all of the pros and cons of our decision.

This podcast discusses the financial decisions about the purchase of our new home.

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The Big Move Aug 20, 2024

After relocating to a different city within the same state about 10 years ago, my wife and I are moving again. This home will be our fourth “Forever” home. It seems apparent that our residential “nesting“ decisions are not written in concrete.

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Dealing With Pigs at the Trough Aug 13, 2024

Troughs are utilized to feed pigs. The problem with a trough is that only so many pigs can eat at any given time. The pigs push and force each other away from the trough to gain access to food. In this manner, new and dominant pigs will force their way to the trough and replace the pigs currently eating.

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Episode 100- Simplifying Complexity Aug 06, 2024

The goal of the Retiring With Enough blog and podcast has always been to simplify retirement planning and retirement. As I approach my 100th blog and podcast, I thought it would be interesting to take a retrospective look at some of my earlier blogs and podcasts.

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The Essence of Planning Jul 30, 2024

I realized that “planning is planning,” and how many similarities there are between business planning and Retirement Planning. There are necessary steps in business plans, and there are necessary steps in retirement planning. A sequential and organized approach to both business and retirement planning will produce the best results.

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My Roth IRA (Un)Spending Jul 23, 2024

I finished my Roth conversions several years ago. I was pleased, and congratulated myself for my financial savvy! But now Older Me is telling Younger Me that maybe I was not as smart as I thought I was!

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Counting the Good Days Jul 16, 2024

You may have a sibling, parent, or spouse who is ill, aging, incapacitated, or in need of care. I was able to spend several days a week with my mother and walked beside her during the last stages of her life’s journey. This podcast details some of the things she and I experienced!

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Retirement All-Stars #2- Kevin Lyles, CRPC™ Jul 09, 2024

Join me as I interview Kevin Lyles, CRPC. Kevin is a Retirement Planner and the Head Retirement Coach of the RRC (Rock Retirement Club). Kevin shares his insight as a retirement planner and a six year retiree.

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Dollars and Sense: The Five Functions of Currency Jul 02, 2024

Everyone always likes talking about money. There is an old saying about how money makes the world go round. Everyone has their ideas about money, and how it should best be used. When you think about it, there are only about five ways to use money!

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Is There a Link Between Health and Wealth? Jun 25, 2024

Having a good income creates a sense of economic well-being, but is not a good indicator of physical well-being. Health has a big impact on the quality of life, regardless of the amount of annual income of a person or couple.

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Finding Happiness by Breaking Free From Workaholism Jun 18, 2024

Just as perfectionism can have a dark side, workaholism signifies the dark side of a positive work ethic. As a recovering perfectionist and workaholic, I still battle the urge to overwork. If not recognized and controlled, workaholic tendencies can resurface in retirement due to the increased free hours to fill each day.

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Retirement All-Stars #1- Fritz Gilbert Jun 11, 2024

Join me as I interview Fritz Gilbert, Founder of The Retirement Manifesto blog, and author of “Keys to a Successful Retirement- Staying Happy, Active, and Productive in Your Retirement Years.” Fritz and I will discuss the things that I feel have deemed Fritz a “Retirement All-Star.”

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Memento Mori: Death's Reminder Jun 04, 2024

Memento Mori: “Remember you die.” I’m aware that death is out there somewhere on my horizon, but that horizon still seems a long, long way off. I don’t think about my death, and I certainly don’t dwell on it. I’m not ignoring or denying my demise, I’m just not embracing it.

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Beyond Perfect: Seeking a Cure to Perfectionism May 28, 2024

“The key to happiness is letting go of that idea of perfection.” -Debra Messing. We constantly hear that Perfection is the ultimate goal and that we should always strive for perfection. Can Perfection have a dark side?

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Exploring Happiness on the Less Traveled Road May 21, 2024

“Two roads diverged in a wood, and I— I took the one less traveled by, And that has made all the difference.”. -Robert Frost

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Creating a Blog and Podcast: A Beginner’s Guide May 14, 2024

Considering Retirement options? Creating a Blog or Podcast may be what you desire. Learn about my Podcast and Blog journey.

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Balancing the Scales: Cap Weighted vs. Equal Weighted Fund Strategies May 07, 2024

A listener questioned which is better: Cap Weighted funds or Equal Weighted funds?

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An Interview With Jim Saulnier, CFP™ Apr 30, 2024

Join me for a one-on-one conversation with Jim Saulnier, CFP™ and Co-Host of “The Retirement & IRA Show,” where Jim discusses retirement focused questions and questions about his retirement plans.

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You Can Only Be Who You Are Apr 23, 2024

Look around today and take a moment to realize that we’re not that different from each other. Even if we are somewhat different, that’s ok because “You Can Only be Who You Are.”

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A Decade Beyond the Cubicle: Reflections on PURPOSE Post Full-Time Work Apr 16, 2024

During the 10 years since I quit working full-time, I have been able to formulate an almost ideal plan for purpose in retirement. This podcast discusses how I’ve spent the last ten years, and discusses how individuals and families don’t need ten years to formulate a successful retirement plan.

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A Decade Beyond the Cubicle: Reflections on FINANCES Post Full-Time Work Apr 09, 2024

How has my financial situation changed over the last ten years? I explore my personal finances ten years into retirement with respect to: Income, Net Worth, Budget, and Spending.

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A Decade Beyond the Cubicle: Reflections on LIFE Post Full-Time Work Apr 02, 2024

The transition from working full-time to retirement is very stressful for most workers. Probably the most stressful question involves the actual decision to quit working or quitting full-time work. Leaving full-time work almost ten years ago has afforded me adequate time to evaluate my decision from many aspects.

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Crazy Days Chronicles: Living in Irrational Times Mar 26, 2024

Living in the “Shangri La” of the South, and the life lessons learned.

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Considering a Withdrawal: Evaluating the Pros and Cons of Tapping My Roth IRA Mar 19, 2024

The two biggest concerns with Roth IRA withdrawals are once the money is removed from a Roth IRA account it cannot be repaid, and that dollars withdrawn from a Roth IRA account miss out on all future tax-free earnings.

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When the Wolf Guards the Sheep Mar 12, 2024

The Government has a new proposal to close loopholes and clarify the Fiduciary standard. The government is now trying to hold financial advisor’s feet to the fire by clarifying and redefining the fiduciary standard to become much more restrictive while at the same time allowing more advisor access and more insurance products in retirement plans.

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“Enough” Throughout Life: From Cradle through Career Mar 05, 2024

Retirement planning is like life because potential retirees go through retirement infancy, retirement adolescence, and strive to become mature adult retirees. Part of the maturing process is realizing what you don’t know, and that there are always new things to learn.

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Unraveling the Secrets of Prosperity and Success Feb 27, 2024

Success is subjective. Successful people have mastered one or more of these traits needed for success.

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Retiring With Enough: A Fresh Look at the Three-Legged Stool Feb 20, 2024

The first anniversary of the Retiring With Enough podcast provides an opportunity to re-evaluate the three main concepts of the Retiring With Enough three-legged stool. Change means growth, and change is coming to the Retiring With Enough podcast.

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The Challenges of Self-Employment: Myth or Reality? Feb 13, 2024

Since the consolidation of thirteen colonies into the United States of America, one of the components of the American Dream has been business ownership. Proceeding from an idea to an actual business requires many steps that must be successfully completed to afford the greatest chance for survival. New businesses have a survival rate of approximately 20%.

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Home Financing Unveiled: The Ultimate Mortgage Handbook Feb 06, 2024

Home mortgages are a necessary and confusing problem for countless homeowners. Many homeowners, to their financial detriment, don’t fully understand the terms and conditions of their mortgage.

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Is It Possible to Build a $1 Million Nest Egg? Jan 30, 2024

If a $1 million Nest Egg is a reality for approximately 9% of the US population, can a Net Worth of $1 million be a possibility for you? Is it possible with only an average income?

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Embracing the Present: Choosing to Live Now Jan 23, 2024

The question of “Spending now versus saving for later” can present a substantial problem for couples, especially if spending patterns differ. The decision to spend now versus saving for tomorrow is not a black-and-white decision.

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An Interview With Roger Whitney, Host of the Retirement Answer Man Podcast Jan 16, 2024

Roger Whitney, host of the Retirement Answer Man podcast answers retirement focused questions. Roger discusses retirement planning, retirement planning mistakes, worries about running out of money, and other retirement concerns.

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Financial Missteps that Cost Time and Money Jan 09, 2024

“Smart people learn from their mistakes, but the real sharp ones learn from the mistakes of others” -Brandon Mull

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Money and Investing: Trends From Past and Present Jan 02, 2024

Before and throughout recorded history, man has sought ways to store, preserve, create, and transfer wealth, but these methods of wealth preservation and transfer have changed radically over time. Journey from past to present with Money and Investing (with emphasis on the last 50 years.)

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Merry Christmas 2023 Dec 26, 2023

Wishing all listeners the very best holiday season.

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The Hidden Danger- Annuities and the Effects of Inflation Dec 19, 2023

For people who are retired, or approaching retirement, income needs and income generation in Retirement take center stage. Retirement income can be generated from many different sources, but few income sources are steady and ongoing. Do annuities provide a safe and inflation protected source of retirement income?

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Financial Peace of Mind: Exploring Annuities for Security Dec 12, 2023

Over the last few years Annuity ownership within retirement plans has become more commonplace. But, annuities can be very confusing and misunderstood. The main benefits of annuities appear to be secure and guaranteed income that can occur over a fixed period, or for the remainder of a person’s life. However, it should also be noted that these benefits come with a higher cost in terms of fees, lack of liquidity, lack of flexibility, and loss of principal in most cases at the contract’s end.

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Weighing the Pros and Cons: Roth IRA vs. Traditional IRA Dec 05, 2023

There are significant differences between Traditional and Roth IRAs. An outside author states that Roth IRAs are beneficial for only 0.2% of workers. Both types of IRAs are outlined and contrasting information is provided to help listeners formulate their own opinion on the validity of Roth IRA contributions.

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Unleashing Retirement’s Potential: Daily Planning for Optimal Flexibility Nov 28, 2023

Retirement can be a period of confusion concerning how each day will be filled and how to schedule retirement activities. Hybrid Planning Calendars are a melding of structured and unstructured planning calendars and are an effective calendar/ planner for use in retirement.

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Thanksgiving 2023 Nov 21, 2023

Reflect upon your present blessings of which every man has many - not on your past misfortunes, of which all men have some. -Charles Dickens

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Carpe Diem: Making the Most of Every Moment Nov 14, 2023

Each person’s "Life Clock” is wound only once and no one knows exactly when that clock will wind down and stop. Different people in different cultures and different localities place different values on time. But in its final essence, we are all given the same amount of time each day, and each person has a choice in how they will spend the time given them.

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Exploring the Option: Liquidating My Stock Holdings and Moving to Cash Nov 07, 2023

A listener recently begged me to agree with him that his best option was to sell all of his stock holdings and move to a cash position. Would my agreement with his statement be considered wise?

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Building a Retirement Pie: One Slice at a Time Oct 31, 2023

Just like a real pie, a Retirement Pie is the combination of many different ingredients that are mixed a certain way, layered in a pan (retirement account), and then allowed to cook (mature) for a period of time.

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Crafting a Strategic Investment Plan- Lite Version Oct 24, 2023

I recently reviewed the original podcast titled CRAFTING A STRATEGIC INVESTMENT ROADMAP, and realized that the material was comprehensive, but also complex. The simplified version of crafting a strategic Investment roadmap utilizes only two principles.

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Escaping the Grip of Stress: Is there a Way Out? Oct 17, 2023

Almost everyone knows those gnawing internal feelings that can eat away at physical and mental health if not addressed. The first step in treating stress and anxiety is to acknowledge their presence. The causes and manifestations of stress and anxiety are harder to treat and resolve.

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Professional Struggle: Finding Happiness Beyond the Workplace Oct 10, 2023

Staying in a toxic workplace and work dissatisfaction can lead to problems with physical health, mental health, and overall well-being. Five pathways to better job satisfaction are discussed.

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Putting it All on the S&P 500: Wise or Risky? Oct 03, 2023

A listener questions whether “All In” in the S&P 500 Index is a good idea? The pros and cons of 100% allocations in single asset classes are discussed through Mathematical and Emotional explanations.

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The Battle Against Inflation: Assessing C.O.L.A. Payments Sep 26, 2023

C.O.L.A. payments are annual additions added to Social Security benefits to help offset inflation when needed. This podcast discusses whether C.O.L.A. payments keep pace with inflation.

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Retiring or Changing Jobs: A Comprehensive Checklist Sep 19, 2023

Quitting work permanently is inherently different from changing jobs, so these two situations should not be treated as being equal. What does someone need to do in both situations?

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Beyond the Numbers: Exploring the Meaning of Net Worth Sep 12, 2023

What are the functional aspects of a Net Worth number? What does net worth mean? How does Net Worth fit into an integrated retirement plan?

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Exploring Forgiveness: Does Bad Behavior Earn a Hall Pass? Sep 05, 2023

Self-importance is an easy behavior to understand in light of today’s social media. In prehistoric times self-importance fostered self-awareness and self-preservation. But, we are no longer in prehistoric times, and self-importance can lead to treating others poorly!

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Unraveling the Paradox: Comparing the Cost vs the Price of Happiness Aug 29, 2023

Everything has a cost that differs from its price, and those costs can be expressed in terms of monetary costs, physical costs, mental costs, and emotional costs.

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The Quest For Contentment: Does ‘More Than Enough’ Override 'Enough'? Aug 22, 2023

Retirement is less about having more than enough or having enough, and much more about what creates sustained happiness and satisfaction. Does more than enough create Alpha (excess happiness) over enough?

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Retirement Crossroads: Debating the Need for One More Year of Work Aug 15, 2023

The “One More Year” Syndrome is a real phenomenon and can cause significant delays in retirement. There are many good reasons to continue working, as well as many good reasons to quit working and retire. Do you need to work “One More Year”?

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Maximizing Wealth Potential: Harnessing Workplace 401(k) Plans Aug 08, 2023

The 401(k) is one type of Defined Contribution plan that allows employees to save in a tax-deferred or tax free vehicle while also gaining matching funds from the employer. It can be one of the best ways to fund retirement if workers understand 401(k) plan benefits!

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Navigating Your Finances: Assessing the Need For a Financial Advisor Aug 01, 2023

Financial advisors encompass a large field that includes insurance agents, bankers, certified financial planners, and CPAs. The question of engaging a financial advisor or self-managing Investments ultimately affects every investor!

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Investing Beyond the Lottery Mentality: Harnessing Perseverance for Financial Growth Jul 25, 2023

Most people dream of the one event that will make them multimillionaires, but statistically very few people in life are afforded that luxury. For the majority of people, successful retirement planning involves Investing a certain percentage of income regularly for long periods, usually 30 to 40 years or more.

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Social Security: Guaranteed Right or Earned Privilege? Jul 18, 2023

Historically, Social Security benefits have been regarded as a right of workers who reach retirement age. This may come as a HUGE surprise to most people, but Social Security benefits are NOT guaranteed by the US government.

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Mastering Money Talk: Becoming Proficient in the Language of Finance Jul 11, 2023

Learning about finance is like learning a new language. Financial literacy takes time, and financial fluency may take a lifetime.

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The Great Departure: Choosing Between Swift or Gradual Retirement Jul 04, 2023

“What’re you gonna do? Walk away, or stay another day?” This is the choice every worker will face at the end of their working career.

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Cracking the Code: Proven Strategies for Short-Term Savings Success Jun 27, 2023

Modern technology, computer programs, and money-saving applications provide multiple saving pathways for short-term goals.

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Mastering the Art of Saying “NO!” Jun 20, 2023

At some point, everyone needs to clarify what’s most important in their life. The difference between successful people and really successful people is those really successful people say no to almost everything!

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Living Fully by Cultivating Joy and Minimizing Regret Jun 13, 2023

Fears over tomorrow and regrets over yesterday are twin thieves that rob us of the moment. A life filled with regrets is a life unfulfilled, and the best way to deal with regret may be to proactively develop good habits and avoid early signs of regret.

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Stocks vs Real Estate: Maximizing Your Investment Potential Jun 06, 2023

Physical real estate entails risks not found in other types of investments. Real estate investments are generally concentrated in fewer assets and therefore, involve much higher risk.

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Crafting a Strategic Investment Roadmap May 30, 2023

An Investment Plan is an integral part of retirement planning that involves the process of aligning financial goals (where you want to go- your destination) with investment resources (what you currently own to help get you there.)

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Time as a Catalyst: How Timing Affects Retirement Planning May 23, 2023

People are not born with the same level of timing instinct. But, every person can improve, enhance, and refine natural decision and timing skills.

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From Problem to Solution: Crafting Your Retirement Paycheck May 16, 2023

A Retirement Paycheck provides the money each person or family will use for living expenses after retirement. The five steps provided in this podcast help to simplify the process of creating your retirement income Paycheck.

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Building Your Retirement Income: Exploring Funding Sources May 09, 2023

Much of the fear, anxiety, and apprehension surrounding retirement spring from the prospect of funding retirement with after-work income. The first step in mediating these emotions is locating and listing every applicable retirement funding source.

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The Pursuit of A Life Well Lived: Navigating the Path to Happiness and Purpose May 02, 2023

It’s believed by many that “A Life Well Lived” is the result of the balance of Love, Play, Work, and Worship. ENOUGH and HAPPINESS create the framework for a life well-lived, and to leave this world a better place.

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Health Savings Accounts (HSA): Assessing Their Universal Appeal Apr 25, 2023

The HSA is most valuable to young workers, but has benefits for all workers. The HSA is a Triple Tax Advantaged account that can become a valuable tool for saving if used strategically.

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Stock Investing 101: From Basics to Buying Strategies Apr 18, 2023

What are Stocks, where and how to purchase them, Stock classifications, and EMH (Efficient Market Hypothesis) are all discussed.

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Weathering the Housing Storm: Assessing the Personal Impact of a Recession Apr 11, 2023

During an inflationary cycle consumers can be highly affected or unaffected. Should you buy, sell, or hold in an inflationary period?

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The Power of Early Action: Kickstarting Your Retirement Plans Apr 04, 2023

The early initiation of a retirement plan is a great wealth builder for workers who start as soon as possible after beginning a working career. This podcast discusses the commonly available types of retirement plans.

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Striking the Perfect Balance: The Art of Portfolio Rebalancing Mar 28, 2023

Even if your portfolio is professionally rebalanced, it's important to understand the principles, basics, and mechanics for rebalancing. Rebalancing returns the values of a portfolio's asset allocations to the levels defined by an investment plan.

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Mastering the Portfolio: Understanding the Nuts and Bolts Mar 21, 2023

The nuts and bolts of portfolio construction, along with an explanation of asset classes, asset ratios, and appropriate assets to fund a particular portfolio type

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Preparing for the Unexpected: The Importance of an Emergency Fund Mar 14, 2023

The prospect of financial Emergencies creates a need for readily available funds. How to create a fund, dollars mounts, and best places to store the funds are discussed.

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Long-Term Investment Strategies: Separating Fact from Opinion Mar 07, 2023

What asset class has traditionally provided the best long-term results, and how does this information correspond to information found in popular internet articles?

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The Power of Positivity: Embracing High Gravity Days with a Positive Mindset Feb 28, 2023

Can altering your attitude really alter your life? A more positive orientation can improve your mood, relationships, job and life satisfaction!

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Taming the Silent Retirement Killer: Understanding Sequence of Returns Risk Feb 21, 2023

The biggest thread to retirement portfolio depletion is not within a person’s control. Learn what is available to protect your hard-earned retirement dollars.

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Beyond Goldfish: Examining Human Attention Span in the Digital Age Feb 14, 2023

Recent studies seem to indicate a decrease in sustained attention span. The results of these studies are preparation for a successful retirement involving years of concentrated effort and planning.

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Transitioning Away from Full-Time Work: Finding the Right Balance Feb 07, 2023

For many workers, easing into retirement is an expectation that is never realized. There are many options available for part-time jobs that are limited only by imagination and flexibility.

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Creating Goodness With An Attitude of Gratitude Jan 31, 2023

Regret of the past and fear of the future are the twin thieves that steal joy from the present. In the same light Gratitude and Purpose are the twin heroes that enhance retirement. Expressing gratitude each day helps to focus on the goodness of life.

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Untangling the Knots: Gray Divorce and its Implications on Retirement Jan 24, 2023

Divorce among the 50+ crowd (Gray Divorce) is on the rise. It is important to consider the financial, emotional, physical and behavioral implications of Gray Divorce before you pull the plug on a long term relationship.

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Compounding Magic: Harnessing the Eighth Wonder in Your Finances Jan 17, 2023

Albert Einstein called compound interest the eighth wonder of the world. This podcast discusses compound interest, how it affects investments, and classic examples of compound interest at work.

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Seeking Happiness: Exploring the Cross of Life Jan 10, 2023

Does success bring happiness or does happiness bring success? This podcast explores the cross of life and the pathway to happiness through the balance of work, play, love and worship.

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Futures in Focus: Opportunity Cost and Time Value in Retirement Planning Jan 03, 2023

Understanding Opportunity Cost and Time Value of Money can mean the difference between a lifetime spent working each day for dollars you need, or having investment dollars work for you each day.

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Retirement Rhythms: The Big Easy Travel Guide Dec 27, 2022

Travel in retirement, and traveling in general may not bring joy. This Podcast discusses travel, travel in retirement, and New Orleans (The Big Easy.)

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Capital in Motion: Embracing the No Parking Philosophy for Short-Term Funds Dec 13, 2022

Best places to “Park” short-term funds are detailed. Short-Term funds are dollars that will be needed in less than two years.

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Wellness Beyond Retirement: Managing Healthcare After Quitting Work Dec 06, 2022

Providing for Health Care after quitting work may be easy, or not. Different Health Care options available to early retirees are discussed.

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Reaching Contentment: Exploring the Meaning of “How Much Is Enough?” Nov 29, 2022

How much is enough? In retirement you must ask yourself this question; and for everyone the answer is different. Listen in as we explore the question of "enough" and help you to figure out your personal answer.

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Avoiding a Financial Hurricane By Creating and Understanding a Financial Plan Nov 22, 2022

In this podcast we combine several pieces of important financial information to create a master financial retirement plan.

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The Money Chronicles: Reflecting on a Year of Spending Nov 15, 2022

Just like a net worth statement, current annual spending is important in retirement planning. This podcast talks about how to determine annual spending and how to estimate annual spending in retirement.

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Calculating Your Financial Fortitude: What’s Your Net Worth? Nov 08, 2022

Net Worth is one of the most important pieces of information in the Retirement Planning process. Find out about Net Worth, Net Worth Statements, and how to put one together.

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Reaching Financial Independence: Unraveling the ‘Right’ Number to Quit Work Nov 01, 2022

Your “Number” equals the amount of assets needed to replace current income. What the “Number” represents, and how to determine your individual number will be discussed.

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The Retirement Dilemma: Escaping the Grip of Overthinking Oct 25, 2022

The decision to retire is stressful, and indecision and overanalysis can paralyze pre-retirees. Don’t let Paralysis by Analysis ruin your retirement plans.

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Living a Meaningful Retirement: Discovering Purpose After “Mr. Smith” Oct 18, 2022

Hopefully, everyone has contact with Mr. Smith during their lifetime!

Mr. Smith could be a relative, co-worker, neighbor, boss, teacher, or just a friend. Regardless of when and where you meet your Mr. Smith, it is one of those joyous times in life that you may not be aware of at the moment. A Mr. Smith will share some of life’s greatest truths if you only take the time to understand and absorb the message.

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Escaping the Hamster Wheel: Exploring the Decision to Quit Working Oct 11, 2022

Many readers will remember the 1976 hit film Network and the statement “I’m as mad as hell and I’m not going to take this anymore!” which became a national mantra in 2009.

At some point, almost all of us begin to feel this way about working at a paid job. There is a multitude of reasons why this happens, but the number one reason seems to be a poor or toxic workplace culture.

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Informed Decisions: 20 Crucial Questions to Ask Potential Financial Advisors Oct 04, 2022

There is a children’s game called Twenty Questions. In this particular game, you must guess what the other person is thinking by asking twenty “yes” or “no” questions.

Unfortunately, trying to vet Financial Advisors requires a little more effort and information.

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The Quest for the Right Advisor: Effective Strategies Amidst Multiple Designations Sep 27, 2022

There is probably nothing (Except poor personal money management) that costs the majority of uninformed clients more than poor advisory management. Even worse than a poor investment decision which normally affects an investor once, poor management hurts on an ongoing basis.

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Overcoming This Planning Pitfall: Tackling Temporal Discounting Sep 27, 2022

Temporal discounting is also the enemy of planning. Why plan for the future when it is of less value than the present? A solid and well thought out plan is a person’s best defense against Temporal Discounting and future disappointment upon retirement.

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Mapping Your Future: Do You Have a Solid Plan Sep 27, 2022

One could come up with numerous “most important” pieces of information necessary to begin the retirement planning process. All of these “most important” pieces of information are not really that important if not placed in the proper context, are not understood, and are not properly utilized.

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The Triad of Retirement: Exploring the Foundations of the Three-Legged Stool Sep 26, 2022

As a Chartered Retirement Planning Counselor™ and long-time individual investor, I feel that I have a unique perspective! After much thought, research, and deliberation, I have ultimately condensed the problem to one of “ENOUGH.”

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