Imagine this: You’ve spent decades saving in your 401(k). Then, when you retire, it magically transforms into a reliable pension — delivering lifetime monthly paychecks you can never outlive. No more stressing about market crashes, sequence of returns risk, or running out of money in your 80s or 90s. That future is closer than you
How Much Cash Should Retirees Keep in Checking and Savings Accounts? Are Retirees Saving Too Much in 2024? Key Takeaway: Most retirees keep far more cash in checking and savings accounts than they actually need — often $30,000, $50,000, or even $100,000+. With high-yield savings rates hovering around 3–4% in 2026, it feels safe and
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Don’t Bother Saving for Retirement? Elon Musk’s 2026 AI Prediction & What It Really Means for Your Future In January 2026, Elon Musk dropped a statement that sent shockwaves through financial circles: “Don’t worry about squirreling money away for retirement. In 10 or 20 years, it won’t matter.” As a retirement planner and host of
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Are you lying awake at night wondering, “What if I run out of money in retirement?” You’re not alone. Studies show it’s the #1 fear in retirement — bigger than dying. People say things like “I’ll just work until I die” or “I’ll live off Social Security and my 401(k) and hope for the best.”
Have you ever wondered: What if I save too much for retirement and never get to enjoy it? Or maybe you’ve heard the phrase “die with zero” and thought, “That sounds reckless—can I really spend it all without running out?” You’re not alone. In a recent podcast episode, I dove deep into Bill Perkins’ book
Intermittent Spending: the act of positively changing our spending habits by abstaining from spending during a specific timeframe. If you are struggling with money, you have two main areas of focus: Increase your income Reduce your spending You can make a million dollars in a year, but if you spend two million that year, where
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