Most articles on the subject of retirement planning focus completely on growing tax sheltered retirement savings plans like 401k’s and IRA’s. It’s an effort to build a large capital base as a way of creating a strong retirement income to enable us to maintain the lifestyle we’ve become accu… Continue Reading

Two of the most important components of retirement planning are a generous retirement savings plan and a mortgage free home. But if limited resources force you to make a choice, which goal should get the lion’s share of your extra income? Continue Reading

Beyond Buy-and-Hold #54 It’s Sunshine Rob here again to bring you more happy face news on the wonders of Buy-and-Hold. The topic of today’s sermon is: Your Retirement Plan Is In More Trouble Than You Realize. Everyone knows that we have experienced a Lost 12 Years in the stock market. Stoc… Continue Reading

Last week on the post Over 50 - No Pension, No 401(k) - What Now?, Ted left a comment that got to the heart of what that post is all about:

"I am 60. Lost my primary home through foreclosure . Ju… Continue Reading

In Preparing for Semi-Retirement I made the case that due to economic conditions, many people would be forced to accept a modified version of retirement, and that such a retirement should be fully anticipated and prepared for. I b… Continue Reading

Semi-retirement may be a better choice than full retirement for many people. Here's why... Continue Reading

What the Social-Security-is-going-bankrupt prophets miss is that the cost of not having it are far greater than the cost of keeping it. It will be there in some form. Continue Reading

A million dollars was a lot of money when I was a kid. Even with Inflation, for most of us, it still is! But will a million dollars be enough to retire on? Continue Reading

This shows how a retiree can take $54,000 out of a retirement portfolio with a starting-point value of $1 million and be certaint he won't run out of money for 30 years. Continue Reading

The safe withdrawal rate is not a fixed number, like 4 percent. It varies depending on stock valuations at the time of withdrawal. A low PE10 number means a higher safe withdrawal rate. Continue Reading