Retirement Spending
Found 154 Articles.
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8 Simple Strategies to Improve Cash Flow
Prices of key goods are high and rising, and most investments are down. Higher costs and lower income mean times are getting a bit tougher financially, and people are being more prudent with their money. Smart money moves don’t have to be painful. People can increase their cash flow with a little bit of work […]
Handling Retirement Financial Surprises
Financial surprises in Retirement can blow a hole in your plans. Particularly for early retirees, surprises are very damaging to well-laid plans. The scenario occurs with frequency. A couple diligently worked up a detailed plan that covered all the expenses of their desired lifestyle. They ventured into retirement secure in the belief that they were […]
Basic Steps to Limit Vulnerability to ID Theft
There have been changes in our knowledge of ID theft. We know more about the crime than in the past, and there are some new trends. One trend is that the growth rate of the crime is slowing. A few years ago it was by far the fastest-growing crime, with new cases increasing by at […]
How to Preserve Retirement Capital
The greatest fear about retirement is running out of money. There are three risks that could cause one to run out of money. Investments could earn less than estimated; the retiree might live much longer than anticipated; and spending could be greater than estimated, because of either inflation or higher consumption. In last month’s visit, […]
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How to Vary Spending During Retirement
The traditional retirement plan projects that spending will rise steadily each year in line with inflation. That model does not work well for today’s retirees. When retirement lasts 20 or 30 years or longer, a more realistic model of spending and scheduled withdrawals is needed. A retiree wants to avoid a spending and withdrawal schedule […]
Surprising Tax Havens
State tax laws discriminate based on age, and that can be a good thing for some taxpayers. Even notoriously high tax states can be tax havens for retirees. In fact, Florida and other retiree magnets might not be the tax havens they are promoted as when the full tax picture is considered. Florida has no […]
Easy Ways to Save Money
My 1990 Honda Accord still is cruising toward 200,000 miles. I enjoy the tones of respect it gets from mechanics on those rare occasions when it needs work done. Even more, I like the cost savings. Owning a car for a long time not only avoids interest and principal payments but also holds down insurance […]
The Safe Withdrawal Rate Revisited
The greatest retirement planning fear of most people is the possibility of outliving their money. One way to avoid that fate is to save a lot and invest well during the accumulation years. Those steps are widely discussed. Less attention is devoted to the second part of the retirement plan, the withdrawal phase. Gone are […]
