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Retirement Planning

Bob Carlson shares miscellaneous advice on retirement and related topics

Found 101 Articles.
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Retired at 30

May 1, 2013

Apparently there’s a guy in Colorado who, along with his wife, retired by the time he was 30. He also has a blog that attracted a fair amount of attention. You can read his story in this article. His story supports a conversation I’ve had many times. Someone will ask me, “When can I retire.” […]

Myths of Retirement Planning

March 25, 2013

The annual Retirement Confidence Survey generated more news and commentary this year than usual. One reason is that it reveals Americans are less confident about having a financially comfortable retirement than ever. Another reason is that it indicates many people simply have given up saving and planning for retirement. A good commentary is here. It […]

The Real Retirement Planning Problem

February 4, 2013

Our focus most of the time is on the financial aspects of retirement and planning for it. But there’s an ultimate goal involved. Yes, we want financial security and freedom. But the ultimate goal is to be happy or satisfied. That’s why periodically I report on surveys of people’s happiness and what makes people happy. […]

The Neglected Part of Retirement Planning

November 16, 2012

Medical expenses and long-term care costs are the wild card in all retirement plans. Most people don’t plan well for them. Even those who use financial advisors arent’ doing a good job of planning for medical expenses, according to a  new survey by Nationwide Financial. We discussed in Retirement Watch many times the importance of […]

Reconsidering the 80% of Pre-Retirement Income Rule

September 14, 2012

Pick up a standard retirement reference or work with a traditional planner, and you’ll be told that a retirement plan has to save enough to spend 80% of pre-retirement income in retirement. I’ve criticized that a number of different ways in Retirement Watch and in my books. Christine Benz of Morningstar takes up that argument […]

Why So Many People End Up Poor In Retirement

August 23, 2012

There’s a lot of discussion about the number of Americans who enter retirement financially prepared. There are surveys of people that give their self-assessments of their financial position. There are studies of data obtained from the IRS or the Federal Reserve. But one study points out that all these views take the wrong approach. They […]

Americans Still Spending More, Deferring Savings

January 18, 2012

It’s no secret that during the boom years the personal savings rate of Americans gradually declined until at the peak it actually was negative by some computations. The crisis of 2008 was supposed to change that. Americans, rattled by the decline in the values of their homes and portfolios, became more frugal. They were cutting […]

Retirement Planning – It’s Not All About Money

January 4, 2012

One point I make regularly in Retirement Watch is that retirement planning is about much more than money. Surveys of retirees indicate that money is important only up to a point. The money is to ensure you have the freedom and security to engage in the types of activities you want. Unfortunately, too many people […]

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