Retirement Planning Spreadsheet

Personal Finance Tracking Spreadsheets

These planning tools have been extremely helpful to me, and I hope that they will be beneficial to those reading this blog as well.  I have given them their own page here, and you can also access them by clicking on the link on the bar across the heading of …

precious metals

Why You Don’t Need $1 Million To Retire

It seems that many advisers are questioning if $1 million is enough money for a comfortable retirement.  At the same time, they keep selling the “necessity” of having 75-85% of your current income to retire.  I think that both of these notions are incorrect for most people. For someone earning $100,000 …

Dreams into Goals

Defining Goals and Staying Motivated

Most of us have things we would like to accomplish or have in life, but how many of us put those ideas down on paper? Are these thoughts dreams or goals, and what is the difference? A dream is a vague concept of something you would like, with no clear …