retirement

A deer grazing at the tree line in golden evening light, seen through a window from a chair inside a quiet home.

The Hardest Part of Retirement Is Spending the Money

I recently wrote about the retirement issue of having most of your wealth tied up in your home. You can read about that at House-Rich Cash-Poor in Retirement. This post is covering a different topic and I do use my…

A wooden rocking chair with a knit throw on the porch of a paid-off home, looking out over rolling hills at sunset.

House-Rich, Cash-Poor in Retirement

My mother owns her home outright, owns a rental property outright, and has a retirement account that I manage for her. I tell her all of the time she is a millionaire on paper. That does not matter to her…

illustration showing dividend stocks generating income for investors

What are Dividend Stocks?

Introduction Dividend stocks are a type of equity investment that can provide investors with a steady stream of income. These stocks are issued by companies that regularly share a portion of their earnings with shareholders in the form of dividends.…

401k retirement savings concept showing coins and cash representing long term retirement investing

Start Your 401K Early: Why It Matters

When you’re young, it’s easy to think of retirement as something far off in the distant future. However, the truth is, that the earlier you start saving for retirement, the better off you’ll be in the long run and starting…

money in jar labeled savings representing retirement savings and long term investing

Your 401K is NOT a Savings Account

You might think the subject of this post is an obvious concept, but you would be surprised how many 401(k) early withdrawal requests cross my desk that are simply meant to cover unexpected expenses. This is truly why I felt…