Not quite how the saying goes – “Best defense is a good offense” – why does one strategy have to replace the other?  As argued in Maximizing Value and Earn More, Spend Less – you need both components to be most effective.

Keeping with the analogy, think of the top team in your favorite sport.  What do they have that sets them apart from the rest?  Most likely, it’s strong offensive AND defensive players.

Bad news is you’re your own team.

Good news is you can play both roles.

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Over the past year, how many times did you log into your accounts, turn on the TV, or read the newspaper – only to find your interest yield as gone down?

For most people, this can be a disheartening situation since it means less money in your pocket.

But what if it meant the opposite?

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Last night I posted an interesting article on considering “end of life” costs when calculating your retirement savings. Afterward, I started thinking about my recent posts and realized there may be an unintended trend emerging.

If you’ve been reading my articles, there’s a certain “negative” vibe to each of them. On the surface it may appear I’m a NO kind of guy and my aim is to tell you everything that’s wrong.

This could not be farther from the truth.

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I debated whether it was in my interest to post such a morbid topic so early in my blogging career, but decided it’s an important consideration people should think about.

Life is dynamic, and retirement is no different. When people first determine how much they need to retire, they have to make some baseline assumption of how long they plan on living. Even if its not an exact age, they have to make some guess at a range.

This is silly because you don’t know for sure exactly how long you’re actually going to live.

With the potential advances in healthcare, it’s likely I’ll live into my 100s. How can I say this?

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