5 Conflicts of Interest in the Investment World

5 Conflicts of Interest in the Investment World

I was a full-service financial advisor for 24 years. It was the only career I ever had. Besides shoveling horse manure back on the farm I grew up on, it was really the only thing I knew how to do well. Often in my career, the manure I was dealing with in the financial...

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5 Huge Benefits to being Debt Free

5 Huge Benefits to being Debt Free

It can feel like you’re dragging a big anchor around when you have a large amount of debt. Debt comes with stress and that can weigh on you mentally and get to the point where it even starts to affect you physically. Here are the 5 huge benefits to being Debt Free:...

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Recently Published by International Living Magazine

Recently Published by International Living Magazine

One of the weekly blogs was about writing for additional income in retirement– and in that I referenced a piece I had done for International Living as an example that I would be sharing when it was available. Here it is! This is the article I wrote for International...

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The True Definition of Retirement

The True Definition of Retirement

Webster’s dictionary defines retirement as “withdrawal from one's position or occupation or from active working life.” Society further defines the standard for retirement to happen at the age of 65.  If you fall into line with society standards, then you can’t blame...

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4 countries near the U.S. where you can live on a budget

4 countries near the U.S. where you can live on a budget

Did you know there are countries not too far from the U.S. where you can live really cheap? A large percentage of folks will never look at other options or even do the research to see what’s available to them, but it's true. Maybe this blog will start to get the...

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The lessons I learned growing up in a Funeral Home

The lessons I learned growing up in a Funeral Home

I have seen life enter this world with the birth of my children and I’ve seen that life can exit this world without warning. The time in between birth and death is not assured. As a kid, I spent a good bit of time at the funeral home my family ran for over 100 years,...

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Does Corporate Loyalty Still Exist?

Does Corporate Loyalty Still Exist?

The short answer is: Rarely. Pretty much gone are the days that you work for one company for 40 years and retire with a gold watch and a pension. Employees had opportunities to advance and move departments so as not to get stagnant in one job. Training and education...

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Do You Have Enough to Retire Early?

Do You Have Enough to Retire Early?

Do you have enough to Retire Early? There are two ways to look at this question. 1) You’ll continue to work until you have enough money to live like you do now. or 2) You will shape your lifestyle to the money you have. So let’s unpack these answers. Some folks will...

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Is Buying Gold a bunch of BS?

Is Buying Gold a bunch of BS?

You see the fear mongering ads online and on TV “A stock market collapse is coming. It’s time to buy gold now.” Are these messages just a bunch of BS or is there something here you should pay attention to? Now, I have no idea when the next stock market downturn is...

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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

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?

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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