Category: Retirement
Retirement can be the best time of your life
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When to Stop Rebalancing Your Portfolio in Retirement
Retirement portfolio rebalancing sounds simple. You pick a mix of stocks and bonds, check it once a year, and nudge it back into place. Done, this called “rebalancing your portfolio in retirement” right? At least that is what I used to think. Then I retired. Suddenly every market swing felt personal. When stocks jumped, I… Read more
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Strength Training After 65 – The Greatest Habit for a Longer, Stronger Retirement
When I talk to retirees about improving their quality of life, I usually hear about diet, walking, or finally getting eight hours of sleep. All those things matter, of course. But if I had to choose one habit that delivers the biggest return on investment, it is strength training after 65. Not jogging. Not pickleball.… Read more
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Why Some Couples Struggle After Retirement and How to Fix It
Retirement should feel like a long vacation with your favorite person. No alarm clocks. No commutes. No office politics. Just freedom. And yet, some couples struggle after retirement for some reason. Yet I have seen, and personally experienced in moments, that retirement can quietly strain even strong marriages. The shift from structured work life to… Read more
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How to Use Technology to Stay Social and Keep Your Mind Sharp in Retirement
Retirement gives you something you probably did not have enough of during your working years, time. The problem is that time can either expand your life or quietly shrink it. I have seen both outcomes. The difference often comes down to two things, social connection and mental stimulation. Technology, when used intentionally, can help you… Read more
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Estate Planning for Retirees in the U.S., How toProtect Your Heirs and Control Your Legacy
When I talk to retirees about legacy planning, I hear the same thing over and over. They want their kids taken care of. They want things to be simple. They do not want the family fighting over money or furniture. And they definitely do not want the government taking more than necessary. Estate planning for… Read more
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The Hidden Grief of Retirement and How to Process It
Retirement is supposed to feel like freedom. No alarm clock. No commute. No meetings that should have been emails. For decades, I pictured retirement as a long Saturday morning. But nobody talks about the hidden grief of retirement. Then it arrived. And for many of us, something unexpected slips in alongside the relief. A quiet… Read more
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How to Make Money in Real Estate in Retirement Without a Fortune
Real estate has built more quiet wealth than almost any other asset class. Yet most retirees assume they missed the boat because they do not have a pile of cash sitting around. I used to think the same thing. I imagined real estate investment meant buying a beach house in cash and waiting for appreciation.… Read more
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How to Find Your Purpose in Retirement Before You Leave Your Career
Retirement planning advice usually focuses on money. Build the portfolio. Reduce debt. Optimize Social Security. Control taxes. I have written about all of that, and it matters. But after years of studying retirement, psychology, and health research, I have come to a simple conclusion. If you retire without a clear purpose that inspires you, your… Read more
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How to Reduce Taxes on Required Minimum Distributions – Keep More of Your Retirement Income
If you are like most retirees I talk with, you spent decades building your nest egg. Then one day the government taps you on the shoulder and says it is time to start taking Required Minimum Distributions, whether you need the money or not. That moment usually comes at age 73 under current rules, and… Read more
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How to Reduce Health Insurance Costs Before Medicare When ACA Subsidies End
If you are between 55 and 64, there is a very real financial storm forming on the horizon. It is not market volatility. It is not inflation. It is not even long term care. It is health insurance, and you should learn to reduce health insurance costs before Medicare. Specifically, it is what happens when… Read more