My Pet Peeves of the Investment Industry

My Pet Peeves of the Investment Industry

For over 24 years I worked in the financial services industry as a financial advisor. I started with a very large brokerage firm, then with a large bank and finally I ran my own practice. Back in 2017 I was feeling burned out and was losing passion for what I was...

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GoodRx: Discount Prescription Service

GoodRx: Discount Prescription Service

Hands down the number one question I get about how to retire early is regarding managing the costs of health care and prescriptions. GoodRx is a discount prescription service that could save you hundreds of dollars on your next refill. The service uses coupons and...

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The Two Stages of Investing for Retirement

The Two Stages of Investing for Retirement

There are two stages of investing when setting yourself up to retire at any age. The first is called the accumulation stage. This begins the first time you invest $1 in the stock market. You might be 22 years old and starting your first job which offers you the...

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Emergency Fund – Your Most Important Account

Emergency Fund – Your Most Important Account

Murphy’s law states “whatever can go wrong, will go wrong.”  I normally just fall back on the phrase “shit happens”.  Whether you live in a home or apartment or you are roaming around in your RV or boat, things are going to break and need maintaining.  We’re going to...

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4% Withdrawal Rule

4% Withdrawal Rule

For many years, the rule of thumb on how much income you could withdraw out of your portfolio and still maintain or grow your money has been 4%.  This started many years ago when financial advisor, William Bengen, came up with what is now known as the 4% withdrawal...

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Annuities: The Good, The Bad, and the Ugly

What is an annuity?  An annuity is a contract with an insurance company. When you mention the word annuity, you’ll get all sorts of reactions. Many of those reactions will be negative and some will be positive. The positive reactions will generally be from folks that...

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When should you start social security?

When should you start social security? The short answer is:  When you need it. Now the long answer is going to sound complicated. It can be but if you have a plan for what you have, need, and want, determining the timing for turning on your social security doesn’t...

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Are You a Spender or a Saver?

Are You a Spender or a Saver?

You’re either one or the other. Throughout my 24 years as a financial advisor, I met with over 8000 couples and individuals. Although I never conducted a scientific survey, I did see a pattern. Roughly 60% of the couples were balanced with one spouse being the spender...

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Retired at 48 – Here’s the How and the Why

Retired at 48 – Here’s the How and the Why

Growing up, the family business was a mortuary. At seven years old, I was helping my mother move dead bodies. I never thought it was weird because I had grown up in that environment and I didn’t know any different. That experience left me with two lasting memories....

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