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RobinJerauld.comRetirement Planning |
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The case for not spending the last 20 to 30 years of your life watching television and bitching about the government. The logistics of quitting the rat race early for your own business. A Happy Retirement Isn't For Sale Contrary to what Wall Street would have you believe, if during midlife you miss most of your kids' school and sports activities, fail to exercise, neglect to renew your friendship network, and are too busy to keep up with your own personal interests or learn new things, you are at high risk of being isolated, ill, and bored in your retirement years, says Ralph Warner. Because we're never home; because when we do spend time with them we're still pulling out the Blackberry and answering the cell phone; because in their minds work comes first to us and they come second. Does the Cost of Living Decrease After Retirement? Contrary to conventional wisdom, the answer is often "no". 50+ hour work weeks, two hours a day in traffic, overbearing taxes, sleep deprivation, heart attacks, probable divorce, missing your children's youth.... Is it all worth it for a prefabricated tract home, a fancy SUV, season tickets and a 2-week vacation? What Will You Do When You Retire? Don't fall into the trap of thinking only about finances. Think about what you enjoy doing and how you will spend your time. They find ways to stay busy in activities they enjoy outside of work. Should You Move to a Free Country? The case for Mexico. Unassisted Living on the Cheap Would you believe that becoming a permanent cruise ship resident (a "serial cruiser") can cost about the same as a nursing home? Answers to frequently asked questions about Social Security, for what it's worth to younger folks. Should I Take Social Security Benefits Early? Unless you have health or other issues mandating early retirement, taking benefits early doesn't pay. The Problem With Variable Annuities Surrender fees, high annual fees, and unfavorable tax treatment to name a few. Who Should Buy Variable Annuities? Almost nobody, but there are several exceptions where it can make sense. Questions About Qualified Retirement Plans? Click on the link above to enter the retirement plan section on this site under tax planning.
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