Random Roger's Retirement Planning

DECEMBER 20, 2023

Yet another piece from Yahoo Finance about the jackpot that Gen-X is in when it comes to being able to retire. The article started with a rehash of the latest numbers we mentioned the other day that Gen-X on aggregate expects to be $439,000 short of what they think they need, $661,000 versus $1.1

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Random Roger's Retirement Planning

SEPTEMBER 27, 2023

Once you've allocated risk correctly, more of a top down process, I would encourage focusing on the bottom line number of the portfolio first. If you have bonds that mature in 2035 or 2040, maybe they haven't done what you would have hoped for but in terms of figuring out what to do, you're in a bad spot. That's how it works.

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Random Roger's Retirement Planning

DECEMBER 28, 2024

It would take an extreme move up in rates to cause a big move in the price of a two year instrument, very extreme, but if that happened, the time needed to bail you out would be very short as opposed to be far underwater on an issue that matures in 2035 or 2040. The argument I've been making has been simpler.

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WiserAdvisor

MAY 3, 2023

This amplifies the medical costs that come with it and brings the need to factor in potential medical expenses in your financial plan, including insurance premiums, deductibles, and co-pays. The average national cost of individual health insurance for a 40-year-old in 2023 is $560, a 4% increase from 2022 for silver plans.

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