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Millennials Spending on Travel Rather Than Saving for Retirement

July 6, 2022 By Jeremy Jones, CFA

According to a new survey, Millennials are spending more time thinking about their next trip than about their retirement. Jane Thier reports in Fortune: Millennials are ready for a getaway, even if it comes at a cost. More than half (55%) of adults ages 26 to 41 say they spend more time planning for vacations than for their retirement, according to a recent Personal Capital survey. Among all 2,000 U.S.-based adults surveyed, millennials were the cohort least likely to cut back on travel as a result of inflation. Summer travel is expected to be 25% to 50% more expensive than last year, … [Read more...]

Retirees Can’t Keep Up with Biden’s Inflation

April 22, 2022 By E.J. Smith

You've heard from Your Survival Guy that you need to save til it hurts, and that if you love what you do at work you should keep doing it. I'm not saying those things for no reason. Retirement is getting harder by the day as inflation drives up the cost of living. Americans on fixed incomes are having a hard time keeping up. Rodney Mock and Larry Gorman, two professors from Orfalea College of Business at Cal Poly, explain the predicament many seniors find themselves in today with inflation surging. They write in The Hill: If one does not account adequately for inflation, visions of retirement … [Read more...]

Retirement Income: Be Realistic, Live within Your Means

April 19, 2022 By E.J. Smith

You know from here and here that retirement plans aren’t worth a dime if they don’t change with the times—if they’re not dynamic. Planning for retirement and income drawdowns is what I do every day of the week. It’s part of my conversations with you. It’s why we talk, because change happens. Look, we’ve been telling you for years now that you want to live below your means. You want to save until it hurts, work for as long as you can, consider part-time work in retirement, and pay attention to reality. Retirement income draw rates created in the mid-90s are about as relevant today as the … [Read more...]

It’s Time to Save More for Retirement

April 12, 2022 By Jeremy Jones, CFA

In the Financial Times, Philip Coggan examines the failure of markets to produce expected returns, and the need to save more for retirement than before. He writes: Global equity markets have proved to be remarkably resilient in recent weeks in the face of higher inflation, increases in interest rates and the economic disruption caused by Russia’s invasion of Ukraine. But investors still face a long-term problem, as explained by Antti Ilmanen of quant-based investment firm AQR Capital Management in his new book Investing Amid Low Expected Returns. Investors have enjoyed strong realised … [Read more...]

Are You My Mother? Are You a Prior Planner?

April 5, 2022 By E.J. Smith

Do you have a plan? Are you my mother? Because when I hear about planning, that’s who immediately comes to mind. As I wrote to you yesterday, my mom’s a planner. When asked how she was able to take certain trips or go to space camp as a teacher, she would respond, “Prior planning.” As a teacher, she taught her students to believe in themselves, and if they wanted something in life, they could get it with some simple prior planning. Easy to say. Hard to do—much more exciting than arithmetic. That’s the beauty of her teaching. Prior planning. Isn’t that what successful retirement investing is … [Read more...]

What to Consider When Planning a Phased Retirement

April 5, 2022 By Jeremy Jones, CFA

More Americans are phasing in their retirements, and that strategy has its own challenges and advantages. At The Wall Street Journal, Anne Tergesen suggests some considerations for those exploring such a strategy. She writes: Planning your income To supplement your phased-retirement pay, you might want to take withdrawals from your 401(k) plan. Many employers allow employees ages 59½ or older to tap their accounts, but some don’t, a detail you’ll find on your plan’s summary plan description. If you want to continue contributing to your retirement account, find out whether you remain … [Read more...]

“If You Fail to Plan, You Plan to Fail”

April 11, 2022 By E.J. Smith

You know about my recent trip to Key West here, here, and here. One night, after dinner with friends, sitting around the outdoor dining room table, they shared stories about their COVID trip pulling an RV trailer from Key West to Colorado to Disney—specifically Fort Wilderness—and back. They made incredible memories, despite some scary hairpin turns driving up and around the Rockies. Afterward, I told them about our trip to Fort Wilderness as a kid. “I remember one time we pulled in around midnight in our Winnebago,” I told them. “Parked at the reservation building, we ran inside with my … [Read more...]

What’s the Real Value of YOUR Financial Plan Today?

April 1, 2022 By E.J. Smith

“Do you do financial planning?” “How much income can I expect to draw?” “Do you consider taxes?” “Will I receive checks?” These are just some of the questions I receive from investors. If you’re with me, you know these items are part of our regular conversations. If you’re not with me, then I hope you have someone you can depend on for the answers you need. But for today, let’s tackle some of these and get into this. As I’ve said before, investing is more of an art than a science. As we all know, you can’t always follow “the science.” In other words, glossy financial plans or … [Read more...]

Tom Brady Is Proof You Shouldn’t Retire if You Still Love Your Work

March 17, 2022 By E.J. Smith

You know that Your Survival Guy thinks you should keep working if you still can. For most Americans, the years just before retirement are the most lucrative. You've reached the top of your field, and are paid well for your experience and deep knowledge. Why give that up if you still love your work? Now, Tom Brady, who claimed to retire earlier this year has already decided to come back to football for another year. He obviously loves his work, and feels like he can contribute more to his field. The Wall Street Journal reports: Six weeks, basically. The life cycle of a hardy mayfly. A brief … [Read more...]

Your Survival Guy’s Super States on $1 a Day?

March 2, 2022 By E.J. Smith

You want to see Your Survival Guy’s Super States on a buck a day? In my conversation with you yesterday, you said, “Hang on Survival Guy, we just arrived at the RV manufacturing plant in Iowa.” There’s a brief pause, I’m put on speaker, and I hear my client say “OK hon, you can drive. I have him on speaker.” Not knowing their travel plans just yet but knowing they would be available at this specific time, I was curious. “What’s up? Where are you guys?” I asked. “We just picked up an RV,” they said. “We flew into Minneapolis last night, we’re in Iowa now, and just left the lot. For a dollar … [Read more...]

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