Retiring With Enough

Send us a textI'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

Send us a textPicking a big winner while investing is a basic universal desire of virtually every investor. Most investors hope to invest in a Penny Stock that will eventually return millions of dollars in profits. 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 a textWhen faced with big or small spending decisions, there can be numerous negative positions that provide the basis to withhold spending. These constant negative reasons can become formidable obstacles that diminish retirement spending and enjoyment.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 a textTen months is not a long time to move and renovate a home. I can't say that the time has flown by, as each day is filled with thinking about, planning, paying for, or doing home improvement projects.But, it's been ten months and now it's time for the "Big Sigh" that comes with the completion of a major project.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 a textIf you are still actively working at a job or profession, you have not experienced the joy of not having to go to work every day. Most people look forward to the day when they no longer have to work full-time.The ability to quit your job doesn't mean you should stop working. An old axiom states: “Quit your job, but never quit working!”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 a textJoin Kevin Lyles, CRPC™ and I for a long form discussion about strategies to simplify your life in Retirement. Both financial and non-financial topics about life simplification are discussed.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 a textJoin me as I compare  my grandson's attempt at climbing a rope obstacle to life's challenges. 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 a text“If you want happiness for an hour, take a nap. If you want happiness for a day, go fishing. If you want happiness for a year, inherit a fortune. If you want happiness for a lifetime, help somebody.”- Chinese proverbIf 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 a textJoin me for the completion of the All Star #5 interview with Kevin Sebesta, CRPC™.Kevin shares his extensive knowledge and wisdom, and outlines his "Wing It" approach to Retirement spending.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 a textOn the income side, I did not initially realize the importance of those extra dollars generated through part-time work. The basic concept is that each dollar earned equals $25 less needed in savings. This formula is derived using the 4% rule in reverse.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 a textIn reality, being overfunded considers two very diverse concepts:                                                 *Having more money than needed for normal living expenses.                                                        *Spending fewer dollars than are available.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 a textJoin me as I interview Kevin Sebesta, CRPC™. Besides being one of the youngest retirees I know, Kevin is also one of the most unique. 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 a textLogical Fallacies occur many ways. They are sometimes used against investors, and can cost investors lost time and money.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 a textRetirement Coach Kevin Lyles joins me in a long form discussion about Retirement Spending where Kevin and I duke it out about the pros and cons of his Safety First approach vs my Total Return approach.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 a textThe four most dangerous words in investing are: “This time it's different” -Sir John Templeton           “There is nothing new except what is forgotten.” -Rose Bertin                                                                                                                                                                      Will this time be different?  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 a text“Retirement is a blank sheet of paper. It is a chance to redesign your life into something new and different.” -Patrick Foley. Ten years ago, at age 62, I sold my dental practice and moved to a different location within the same state. What fueled my decision?  Six months ago, my wife and I relocated to a different home within the same city. Why?                      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 a textThis podcast provides the opportunity to reevaluate  thoughts about ENOUGH and personal happiness. Money doesn't buy happiness. Everyone needs a certain amount of income for basic needs, and a little extra for fun things, but additional income does not appreciably increase 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 a text“Sex doesn't disappear, it just changes forms.” -Erica Jong. Retirement is usually associated with quitting the work or profession you've engaged in for most of your life. Retirement doesn't mean that you retire from relationships and intimacy.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 a textJoin me as I interview Dave Steward, a retirement All Star in all aspects. Dave talks about his early retirement at age 53, and what's occurred since his retirement approximately six 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 a text“Knowledge is knowing that a tomato is a fruit. Wisdom is knowing not to put it in a fruit salad.” – Unknown  Faced with declining abilities, many people attempt to unsuccessfully continue using Fluid Intelligence instead of embracing Crystallized Intelligence. They become the whining dog!               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 a textRetirement Coach Kevin Lyles joins me in a long form discussion about Retirement Spending Rules. Kevin and I discuss the pros and cons of the most popular spending rules and plans.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 a text"The most difficult thing is the decision to act, the rest is merely tenacity.” -Amelia Earhart. It's been a few years since I have revisited and critically evaluated what I believe to be ENOUGH, so I will spend the time normally allotted to formulating (and then not following) New Year's resolutions to evaluating what I currently believe is Enough.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 a textJoin me as I explain my year-end process for determining my spending level for the upcoming year,  and the rationale for accomplishing this process around New Year's Eve.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 a textThe Retiring With Enough podcast wishes Happy Holidays to all! This year in addition to spending money,  "spend" your time creating memories with family and friends.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 a textPhysical fitness is the first requisite of happiness. To achieve happiness, it is imperative to gain mastery of your body. If at the age of 30, you are stiff and out of shape, you are old. If at 60 you are supple and strong then you are young- Joseph PilatesIf 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 a textRetirement Coach Kevin Lyles joins me in a long form discussion about Identity in Retirement, Retirement problems concerning Identity, and offers suggestions to help create the ideal Retirement Identity.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 a textAny veteran of investing knows that there is no free lunch. Investing involves costs!  Anyone new to investing, an investing “Newbie”, may be unaware of the scope and extent of investment costs.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 a textCharles Dickens said, “Reflect upon your present blessings—of which every man has many—not on your past misfortunes, of which all men have some.”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 a textIn this podcast, I'll explore our decision to “Rightsize” into a larger and more expensive Home, and some of the pros and cons associated with “Upsizing” or “Rightsizing” (whichever term you prefer.)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 a textJoin me as I interview Mark Ross, MBA, ACC. Mark is an “Encorepreneur,” Thought Partner/Coach, Team Host with the Rock Retirement Club, and a Strategic Coach with the REALIFE Process. Mark shares his insight as a retirement coach and a nine year retiree. 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 a textA great deal of information has surfaced about spending patterns in retirement. One of the most commonly accepted theories is the theory of “U-shaped” spending. The U-shaped spending pattern indicates increased spending at the beginning and the end of retirement, with less spending in the middle phase. 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 a textThere are two considerations involved in the action of “Disappearing” in retirement. One factor is how you view yourself, and the other factor is how you are viewed by others.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 a textDownsizing is a real consideration among pre-retirees and retirees. My wife and I decided that downsizing was right for us, and have lived comfortably in a small patio home for the last ten years. In this podcast I discuss the pros and cons of downsizing.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 a textKevin Lyles, Head Retirement Coach of the Rock Retirement Club, joins me in a long form discussion about deciding when is the right time to quit working and retire.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 a textIt was during these weeks spent in the small town where I grew up that I learned a valuable life lesson. I began to realize the importance of the connection between people was greater than the help provided. 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 a text“We are all ignorant; just about different things.” -Mark Twain. Find out why I was both flabbergasted and "flat footed" when I first met IRMAA.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 a text“Believe you can, and you're halfway there.” – Theodore Roosevelt. Starting a fitness program doesn't have to be elaborate or expensive. Most people can begin a basic fitness program with clothing and items normally found around a home. A simple program requires only commitment and a few inexpensive items.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 a textEach week my approach is to combine stretching, weightlifting, and aerobic activities in different ways to provide a rounded training program. Vince Lombardi is quoted  as saying: “Most people fail, not because of lack of desire, but, because of lack of commitment.”  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 a textIn horse racing parlance, my wife and I are approaching the clubhouse turn. Like racehorses near the end of a race, we have begun our sprint to the finish line. For us, the finish line will be the completion of our move into our new home.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 a text“Don't give up. The beginning is always the hardest. Life rewards those who keep pushing through the challenges.” – Paulo Coelho, The Alchemist (1988)The saga continues as we purchase our new home and begin renovations. How are things 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

In my last podcast (The Big Move), I spoke about our decision to purchase another home in a more upscale area of our hometown. I went over all of the pros and cons of our decision. This podcast discusses the financial decisions about the purchase of our new home.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

After relocating to a different city within the same state about 10 years ago, my wife and I are moving again. This home will be our fourth “Forever” home. It seems apparent that our residential “nesting“ decisions are not written in concrete.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

Troughs are utilized to feed pigs. The problem with a trough is that only so many pigs can eat at any given time. The pigs push and force each other away from the trough to gain access to food. In this manner, new and dominant pigs will force their way to the trough and replace the pigs currently eating.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

The goal of the Retiring With Enough blog and podcast has always been to simplify retirement planning and retirement. As I approach my 100th blog and podcast, I thought it would be interesting to take a retrospective look at some of my earlier blogs and podcasts.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

I realized that “planning is planning,” and how many similarities there are between business planning and Retirement Planning. There are necessary steps in business plans, and there are necessary steps in retirement planning. A sequential and organized approach to both business and retirement planning will produce the best results.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

I finished my Roth conversions several years ago. I was pleased, and congratulated myself for my financial savvy! But now Older Me is telling Younger Me that maybe I was not as smart as I thought I was!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

You may have a sibling, parent, or spouse who is ill, aging, incapacitated, or in need of care. I was able to spend several days a week with my mother and walked beside her during the last stages of her life's journey. This podcast details some of the things she and I experienced!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

Join me as I interview Kevin Lyles, CRPC. Kevin is a Retirement Planner and the Head Retirement Coach of the RRC (Rock Retirement Club). Kevin shares his insight as a retirement planner and a six year retiree. 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

Everyone always likes talking about money. There is an old saying about how money makes the world go round. Everyone has their ideas about money, and how it should best be used. When you think about it, there are only about five ways to use money!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

Having a good income creates a sense of economic well-being, but is not a good indicator of physical well-being. Health has a big impact on the quality of life, regardless of the amount of annual income of a person or couple.  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

Just as perfectionism can have a dark side, workaholism signifies the dark side of a positive work ethic. As a recovering perfectionist and workaholic, I still battle the urge to overwork. If not recognized and controlled, workaholic tendencies can resurface in retirement due to the increased free hours to fill each day. 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