![“We cannot solve our problems with the same thinking we used when we created them.” This nugget of pure gold from Albert Einstein is one of my favorite quotes, and that’s saying a lot. It’s the key to creating a good income plan; when you come right down to it, it’s probably the key to […]](https://www.nashobavalleyvoice.com/wp-content/uploads/2021/02/dollar-sign-3.png?w=88 "“We cannot solve our problems with the same thinking we used when we created them.” This nugget of pure gold from Albert Einstein is one of my favorite quotes, and that’s saying a lot. It’s the key to creating a good income plan; when you come right down to it, it’s probably the key to […]")
How to retire with the odds in your favor
“We cannot solve our problems with the same thinking we used when we created them.” This nugget of pure gold from Albert Einstein is one of my favorite quotes, and...
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![One of the things I know I’m like a broken record on (guess I just dated myself there) is the need to take your attention off your inputs and put them on the desired outcomes. For example, take one of those little packets of seeds you can purchase at the nursery or hardware store. I […]](https://www.nashobavalleyvoice.com/wp-content/uploads/2021/01/dollar-sign-3.png?w=88 "One of the things I know I’m like a broken record on (guess I just dated myself there) is the need to take your attention off your inputs and put them on the desired outcomes. For example, take one of those little packets of seeds you can purchase at the nursery or hardware store. I […]")
Planting the seeds of success
One of the things I know I’m like a broken record on (guess I just dated myself there) is the need to take your attention off your inputs and put...
![I have been noticing some things lately that I find both troubling and consistent with things I have known and been speaking and writing about for some time. That’s the struggle the industry has when it comes to promoting and discussing the very important issues facing today’s and tomorrow’s retirees. As I wade through all […]](https://www.nashobavalleyvoice.com/wp-content/uploads/2021/01/dollar-sign-1.png?w=88 "I have been noticing some things lately that I find both troubling and consistent with things I have known and been speaking and writing about for some time. That’s the struggle the industry has when it comes to promoting and discussing the very important issues facing today’s and tomorrow’s retirees. As I wade through all […]")
Investing: Playing a winning hand
I have been noticing some things lately that I find both troubling and consistent with things I have known and been speaking and writing about for some time. That’s the...
![We all know that markets go up and markets go down. But when you have a steady paycheck, the effect on your daily life is minimal. In retirement, howeverm if you are using the market to pay your monthly bills, and the market goes down, your cost of living just went up. Worse yet is […]](https://www.nashobavalleyvoice.com/wp-content/uploads/2020/12/dollar-sign-3.png?w=88 "We all know that markets go up and markets go down. But when you have a steady paycheck, the effect on your daily life is minimal. In retirement, howeverm if you are using the market to pay your monthly bills, and the market goes down, your cost of living just went up. Worse yet is […]")
Why averages aren’t necessarily predicters of success
We all know that markets go up and markets go down. But when you have a steady paycheck, the effect on your daily life is minimal. In retirement, howeverm if...
![We all have our end-of-the-year rituals. We do our Thanksgiving feast, which, hopefully, was full of blessings and gratitude for you and your family despite today’s challenges. We do our holiday shopping. We rake the leaves, put away our summer clothes, pull out our mittens and long underwear. We raise the amount of taxes we […]](https://www.nashobavalleyvoice.com/wp-content/uploads/2020/12/dollar-sign-1.png?w=88 "We all have our end-of-the-year rituals. We do our Thanksgiving feast, which, hopefully, was full of blessings and gratitude for you and your family despite today’s challenges. We do our holiday shopping. We rake the leaves, put away our summer clothes, pull out our mittens and long underwear. We raise the amount of taxes we […]")
Another year-end ritual to celebtrate: Saving money
We all have our end-of-the-year rituals. We do our Thanksgiving feast, which, hopefully, was full of blessings and gratitude for you and your family despite today’s challenges. We do our...
It’s not your father’s job search
With the pandemic and people out of work, we have added career coaching to our list of services by partnering with a leader in the field that has helped more...
The biggest Social Security blunder
Yesterday, while I was taping my weekly radio program, “The Free Money Radio Hour,” we had a mailbag question regarding Social Security. The questioner asked, “When is the best time...
What’s in a ‘definition’?
Did you know the match on the 401(k) was simply a bribe to get rank-and-file employees to sign onto a system that was designed to move them out of defined...
Time-based vs market-based risk? How about neither
“The cost of capital equals the return on capital.” This is the fundamental axiom of capitalism. It says that your return will be commensurate with the risk you take. High-risk...