Budgets

Ready to start investing?  Excellent!  This is good. If you have done some research you may have an idea of what you want to invest in.  Your confidence in your plan may be strong or you might [...]

IF I COULD GET MY PRE-RETIREE CLIENTS TO DO ONE THING, it would be to put together a solid, tight budget of what they will spend during retirement. I HAVE FOUND THAT FAR TOO MANY PEOPLE SPEND TOO [...]

I DO A LOT OF RETIREMENT PLANS AND PROJECTIONS.  I do them for couples, singles, people close to retirement, others in retirement, and for many who are several decades away. SOME PEOPLE ARE IN [...]

DO YOU WANT TO MAKE MONEY ON YOUR MONEY?  I do.  Most of us do.  This is why we invest.  It doesn’t make us greedy. If you don’t want to make money on your money, why invest? WHETHER [...]

MOST COMPANY RETIREMENT PLANS GIVE YOU THE OPTION TO SAVE MONEY PRE-TAX OR AFTER-TAX.  Many people I talk to aren’t sure which one they should select. So what should you do?  Which one is [...]

INVESTMENT RISK IS THE IDEA THAT YOUR INVESTMENTS WILL SUFFER LOSS.   Your losses could be small or big.  They could be over quickly or occur over a long time.  Losing money on your investments, [...]

RECENTLY WE PURCHASED A NEW CAR.  Actually, a new used car.  We needed to replace our 2007 Honda CRV.  So after a little shopping we ended up with a 2013 Toyota Venza. IN THE PAST, I HAVE ALWAYS [...]

DO YOU HAVE “EMERGENCY” MONEY?  Many people do.  This is money that you can get your hands on quickly.  Maybe not in an instant, but possibly a day or two; or week or two; or even in [...]

DECEMBER 26TH MARKED THE TWO YEAR ANNIVERSARY OF THE ADOPTION OF OUR DAUGHTER.  We chose to adopt our second child through foster care in Hennepin County Minnesota.  If you use the state system [...]

HAVE YOU EVER HEARD SOMEONE SAY THEY MAKE MORE MONEY IN RETIREMENT THAN THEY DID WORKING?  I have – many times.  While it’s not common, it happens. How so?  Who are these lucky [...]