Retiring With Enough

Send us Fan MailYou can’t think your way out of every hardship, but you can train your mind to notice joy more easily, recover faster from setbacks, and create meaning even when life isn’t perfect. Shifting mindset isn’t about positive quotes; it’s about retraining attention, interpretation, and habits.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“At 3 percent, you are probably safe; at 4 percent, you are taking real risks; and at 5 percent, you had better like cat food and vacations very close to home." -Attributed to various, popularized in financial planning circles.A Safe Withdrawal Rate is the amount of money that you’re supposed to be able to remove from your portfolio each year without the portfolio running out of money during a person‘s lifetime.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailI feel strongly that people are put in certain places, exposed to certain individuals, and placed in certain situations for specific reasons. Whether your belief is based on faith, kismet, fate, destiny, or happenstance, there are references to support this supposition.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin me as I interview Tim Hamburger, a unique and giving person who shares his life and financial story.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailI've been contemplating recently whether AI could be a useful aid in retirement planning. I asked ChatGPT about the benefits and problems with using AI for retirement planning, and asked ChatGPT to formulate a retirement plan for me. If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail"If some lives form a perfect circle, others take shape in ways we cannot predict or always understand." -Nicholas SparksThis is the SIXTH, and most likely the last podcast about the reestablishment of our household into our current home. This blog follows THE BIG MOVE, THE BIG DRAIN, THE BIG PUSH, THE BIG SPRINT, AND THE BIG SIGH.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“Most folks are as happy as they make up their minds to be” -Abraham LincolnIf happiness is not a natural gift bestowed on some people, but not others, can the ability to choose happiness be learned?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailKevin Lyles, CRPC™️ joins me in a discussion about risk mitigation when market valuations are high.Are there actions to take, and when are these actions appropriate?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailThe question of entering retirement mortgage-free is interesting because it has financial, behavioral, and emotional components. In this podcast I discuss Taylor's financial position, and use Taylor's review as a gateway to the discussion about whether it's better to retire mortgage free.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail"Words are, of course, the most powerful drug used by mankind."  — Rudyard KiplingI am a firm believer that words are powerful. But, that power can have both a positive or negative effect.                                If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail"Curling is nicknamed 'chess on ice' because strategy plays just as important a role as skill." -Brant CurlingThere’s something hauntingly seductive in the extreme slowness and choreography guiding the release of the stones.I pondered my attraction to curling and weirdly realized that curling has many similarities to finance.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin Kevin Sebesta, CRPC™️ and me as we discuss many aspects of aging and elder care. Along with general aspects of aging, Kevin and I discuss our personal journeys with aging parents.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailBoth lump-sum investing and dollar-cost averaging are valid investment approaches. But, is one approach better than the other?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailWhat happens when your work is no longer profitable? Is it time to quit work altogether, or does it provide the opportunity to work free, or work for me?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“It doesn’t matter how slowly you go as long as you do not stop.“ -ConfuciusA little over a week ago, I watched with sadness as newscasters gleefully announced that January 9, 2026, had been proclaimed the unofficial “Quitter’s Day” for this year. Newscasters proclaimed January 9, 2026, as the day that most New Year’s resolutions have already been abandoned.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailWe are convinced that the average investor cannot deal successfully with price movements by endeavoring to forecast them. -Benjamin GrahamLate in 2025, I stated I would devote a blog and podcast to dollar-cost averaging. I feel that dollar-cost averaging is one of the two most important strategies that do-it-yourself investors can implement. If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailRaising and educating children is not easy. Kids don’t come with instruction books! Parenting information is not standardized. With kids, one size fits one, not one size fits all!If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin Kevin Lyles, CRPC™ and myself as we discuss the merits of active management and passive investing. In this episode Kevin critiques my decision to engage an advisory firm to manage a portion of my assets and my reasons for this decision.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailLooking back can be painful, especially if you've made a bad decision. This two year look back explores whether staying invested in stocks or selling and moving to the sidelines was the best decision two years ago.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailThe end of the year is a great time to look forward and backward to evaluate where you've been, and where you're going!If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailMerry Christmas and Happy Holidays for 2025If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“Money doesn’t change men, it merely unmasks them.” -Henry FordSeveral years ago, my wife and I decided we would not wait until we were deceased, but would instead provide financial gifts to our children while we were still alive. This outlines the concept of giving with warm hands versus giving with cold hands.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailIt's not easy to create a mindset that embraces saving versus spending.The pathway to saving money can be very convoluted due to a combination of psychological, economic, and practical barriers. If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“Don't forget to set your scales back 10 lbs at midnight tonight for the holiday season, Thanksgiving through Christmas."For better or worse, the holiday season is upon us again. It is arguably the best season of the year. It is also the season of each year that I gain the most weight.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailIt's Thanksgiving, again!Join me for a mini-Thanksgiving celebration.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailWhat are Estate Documents, and why are they necessary? I had Estate Documents drafted approximately 15 years ago. Why do these documents need to be updated?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailMultiple accounts mean more complicated record keeping, retirement planning, and tax preparation. The bottom line is, it’s just harder to keep track of multiple accounts across multiple platforms.Is it time to consolidate financial accounts?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailManaging expectations is not about reaching a particular goal, or even attaining a certain financial level.  Managing expectations has much more to do with mindset and happiness. If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin Kevin Lyles, CRPC™ and me as we provide a long form discussion about choosing where to live in retirement.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailIf you are part of the boomer generation, you were likely raised in the era of “One size fits all”. But, many years have passed, and the philosophy of one-size-fits-all has evolved to emphasize a philosophy of one-size-fits-one.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailIn a world filled with noise, the absence of noise can be very disconcerting. It’s hard for many people to become quiet internally and externally. If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“The more you leave out, the more you highlight what you leave in.” -Henry GreenOver the three years I have been doing this podcast, I've stated that I am a DIY (do-it-yourself) investor with over 50 years of investing experience.  This was a true statement until a couple of months ago.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailWhat happens when your partnership with risk no longer works? How do you dissolve the partnership? This process is termed portfolio de-risking.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailEstimated taxes and tax payments are some of the most misunderstood tax requirements taxpayers face. Payment of estimated taxes is more problematic for retirees who never paid estimated taxes during their working careers!If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailIn a recent Podcast I discussed the relative merits of a Roth IRA.  Many factors determine whether or not Roth IRA contributions make sense. The account holder’s age, tax bracket, net worth, risk tolerance, and available cash are important in establishing a Roth IRA.One of the most important factors to consider is age. As someone ages, it becomes less advantageous to contribute to a Roth IRA. There is a crossover point where the disadvantage of initially paying taxes outweighs the advantage of tax-free growth. If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin me as I move to the other side of the microphone and am interviewed by my daughter Catherine.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin me as I celebrate the 3rd Birthday of the Retiring  With Enough Podcast, and answer a listener question.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailEveryone has certain needs whether living in a developed or a developing country. Whether you term these things basic life necessities or core necessities, people need these basic things to provide for daily living. These core necessities are food, shelter, access to transportation, access to health care, and utilities.The United States is considered one of the wealthiest nations in the world. Is a US worker’s income adequate to provide basic needs?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailA friend posed a simple question. Are Roth accounts worth the time and effort?The answer is complex and more nuanced. Many things determine the validity of a Roth account including age, tax rate, income, retirement planning, and estate planning.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailMr. and Mrs. Smith are "drowning" in a sea of cash!Because of this growing “problem”, Mr. and Mrs. Smith decided they want to provide financial gifts to their grandchildren who range in age from late teens to late 20s. Mr. Smith’s questions focused on how to give these gifts in the best manner If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin Kevin Lyles, CRPC™ and me as we provide a long form discussion about inflation and its multiple effects on retirement.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailIs the historical Viewmaster style of traditional wealth accumulation with no frills or technology still valid, or have traditional wealth accumulation concepts been replaced and negated by more modern approaches?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailThere are several basic and essential rules of personal finance that should be learned and followed. NO ONE wants to reach retirement age with little or no money, and no way to catch up! If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“Family isn’t defined only by last names or by blood; it’s defined by commitment and by love.” – Dave Willis.Many new homes are built without a dedicated space for family communal dining. This building trend says volumes about American family units today.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailJoin me as I interview Cindy Terry, a unique Retiree with a special outlook on life.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailThe conventional approach to withdrawing retirement funds generally involves withdrawing from taxable accounts first, followed by tax-deferred accounts, and finally tax-free accounts. This strategy can minimize taxes and maximize the growth of tax-advantaged investments. Does that mean that this is the best approach for everyone? Like most retirement-related topics, the answer is not a simple yes or no. If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“Time is what we want most but what we use worst.” — William PennEach passing year changes and shortens my horizon, just like it does yours.And that changes how one approaches life. Does one buy a new house at age 73 and consider a 30-year mortgage? Or does someone engage in the opposite behavior, refraining from buying green bananas?If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan Mail“If it's your job to eat a frog, it's best to do it first thing in the morning. And if it's your job to eat two frogs, it's best to eat the biggest one first.” - Mark TwainIf you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailIn our media-driven world, perception is a powerful emotion. The type and style of clothing worn are common tools that media influencers use to enhance perception. The style and type of clothing a person wears send a powerful message.If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailI've always been busy, juggling multiple projects simultaneously and completing projects efficiently. Because each day was fully scheduled, I used time as effectively as possible. When I quit working full-time, this changed! If you’d like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share