“I have some other things I’d like to do,” he said with a slight hesitation in his voice. “So, I don’t think I can commit to that right now.” He was responding to my encouragement that he establish a regular saving plan. How unfortunate. Because except for those rare souls who win the lottery or …

Why People Don’t Save Read More »

One of my clients emailed me recently, saying “People keep sending me this video. What am I missing?”  The video featured an attractive young man. He was glib, funny, a bit ironic, and full of confidence. The gist of his message was “Borrow money at 4% and invest it at 8%, and you’ll make a …

The Long Hard Road to Instant Success Read More »

Bill scowled at his reflection in the mirror. At least his grayish beard hid his double chin.  “How did I get so old so soon?” he asked himself. Bill’s not old; he’s only 45. But he is at “halftime” in his professional life. Twenty years down, roughly twenty to go. In our twenties and thirties, …

Good (and Bad) News for Mid-Lifers Read More »

It’s football season again. For the next 4-5 months, every Friday through Sunday—okay, almost every day that ends in “y”— big, strong young men (and Tom Brady) will suit up and take to the gridiron.  What’s fascinating is that these gifted athletes will listen to and follow the instructions of coaches twice as old and …

The Benefits of Being Older Read More »

After two-plus years of pandemic protocols, 2022 was the summer we finally got back to one of our great American traditions: the road trip. Road trips can be epic or awful, unforgettable or regrettable. (We could swap stories, I’m sure.) The difference usually comes down to planning. The same is true with the journey of …

On the Road Trip to Retirement Read More »

“What Hath God Wrought.” That was the first telegraphed message, sent on May 24, 1844. It traveled 50 whole miles—from the United States’ Capitol all the way to Baltimore.  Before Samuel Morse’s landmark invention, news and information moved at the speed of a horse, a train, or a ship. With the introduction of the telegraph, …

When Information Becomes “Too Much” Read More »