Retiring With Enough

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Kevin Sebesta, CRPC joins me for a fun and entertaining discussion about spending in retirement. 

We speak about how to maximize spending for fun, travel, and personal care.

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You can’t think your way out of every hardship, but you can train your mind to notice joy more easily, recover faster from setbacks, and create meaning even when life isn’t perfect. Shifting mindset isn’t about positive quotes; it’s about retraining attention, interpretation, and habits.

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“At 3 percent, you are probably safe; at 4 percent, you are taking real risks; and at 5 percent, you had better like cat food and vacations very close to home." -Attributed to various, popularized in financial planning circles.

A Safe Withdrawal Rate is the amount of money that you’re supposed to be able to remove from your portfolio each year without the portfolio running out of money during a person‘s lifetime.

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I feel strongly that people are put in certain places, exposed to certain individuals, and placed in certain situations for specific reasons. Whether your belief is based on faith, kismet, fate, destiny, or happenstance, there are references to support this supposition.

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Join me as I interview Tim Hamburger, a unique and giving person who shares his life and financial story.

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I've been contemplating recently whether AI could be a useful aid in retirement planning. I asked ChatGPT about the benefits and problems with using AI for retirement planning, and asked ChatGPT to formulate a retirement plan for me. 

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"If some lives form a perfect circle, others take shape in ways we cannot predict or always understand." -Nicholas Sparks

This is the SIXTH, and most likely the last podcast about the reestablishment of our household into our current home. This blog follows THE BIG MOVE, THE BIG DRAIN, THE BIG PUSH, THE BIG SPRINT, AND THE BIG SIGH.

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“Most folks are as happy as they make up their minds to be” -Abraham Lincoln

If happiness is not a natural gift bestowed on some people, but not others, can the ability to choose happiness be learned?

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Kevin Lyles, CRPC™️ joins me in a discussion about risk mitigation when market valuations are high.

Are there actions to take, and when are these actions appropriate?

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The question of entering retirement mortgage-free is interesting because it has financial, behavioral, and emotional components. 

In this podcast I discuss Taylor's financial position, and use Taylor's review as a gateway to the discussion about whether it's better to retire mortgage free.

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