Reality Around You I learned a couple of things in my retirement about reality. First, your savings for retirement becomes the clay that molds your retirement activities. Translation: What you can afford to do. Second, your opportunity for future earnings will be limited by both yours and others’ perception of your age and physical and […]
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Your Blank Slate It is natural to be influenced by those with whom you associate, primarily friends and family. But, at some point, you need to take responsibility for what gets through to your thinking criteria. Regardless of what has influenced you to act in the past, you still have control over today’s influences. How
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Activity Perspective How do you plan your daily activities? Do you have a plan? Are you responsible for anyone other than yourself? Being responsible can interfere with being entertained. So, if you like entertainment, you must plan. I do prefer you to allow some time for recreation. And being entertained can be refreshing. Your attitude
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Necessity? Affordable? Shopping can be a fun experience, if you qualify our actions. You can do more shopping if you quantify your decisions. Some planning will make shopping purposeful. But walking through stores can reveal items you never thought about that appeal to you. That is when planning will serve you well! The appeal to
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Young to Old Memory is in your mind. When you are young there are fewer memories to access. But your memory bank gets pretty crowded by the time you retire. The hope is that you have made a lot of good memories and have experienced very few bad memories. We are easily distracted by friends
Retirement Health We all hope to retire in good health. However, most of us have aged with an accumulation of habits, some good and some bad. Personally, I had bad knee joints that I eventually had replaced. There will be more medical appointments in your retirement for a variety of preventative reasons and for treatments
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Have You Heard of These Terms? Funding your retirement will be up to you! That has become a harsh reality for those who planned to live on Social Security benefits alone in their retirement. If you would like to accomplish items on your “bucket list”, you will need to build funds that can make that
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Save for a Cushion We have a metal bench glider for sitting out on the patio. But we need a cushion to be comfortable sitting on it. I imagine you like to be physically comfortable too. I also think we all like to be comfortable financially. And recent concerns over inflation have made that difficult.
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Build a Zero-Base Budget Do you like to spend what you make? That is what a zero-based budget is. Only you do it on paper, before you get paid. The hope is you consider all possible spending choices and limit the spending to what goes into your checking account. And that you treat your savings
Farmers and Developers Farmers and Developers see the value of land. They invest based on long-term plans. Most investments have a lower cost consideration than land. That is why saving for that type of investment will be part of your long-term plans. Most successful farmers have inherited their land, which allows them to buy or
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