Wait, Sign What?

We’re back in Florida for our fourth year snowbirding from cold Minnesota. We toured models at the giant Latitudes Margaritaville/ Daytona Beach development yesterday. A weird thing happened when they asked us where we were from. Being from Minnesota, we had to sign an “Out-Of-State Non-Solicitation Affidavit” to acknowledge that we arrived “voluntarily”. What? Yes, apparently it is against Minnesota law for a Florida developer … Continue reading Wait, Sign What?

Bucket List or Garbage Can?

We’re back in Florida this winter, snowbirding from the Minnesota cold. One bucket-list item I got to do today was drive down the sands of Daytona Beach in a bright red Jeep with the roof panels taken off. That was fun! Recently, I’ve been reading about people’s disappointments with some of their bucket list experiences. It started with THIS POST on EarlyRetirement.org, where people shared … Continue reading Bucket List or Garbage Can?

ChatGPT Retirement Advice

This may be the shortest post that I have ever written. It’s one of my first experiences with artificial intelligence. If you haven’t heard of ChatGPT yet, it’s an artificial intelligence (AI) program that seems to be a real breakthrough. To test it out, I asked 5 common retirement questions and am posting the ChatGPT answers. All were copied word-for-word, from the first answers provided. … Continue reading ChatGPT Retirement Advice

A Bad Year, A Good Place …

I spent the evening of New Year’s Day (observed) tallying up the ugliness of our 2022 year-end financial performance. The returns weren’t great. Not at all. It looks like our retirement savings took a huge dive. Our retirement nest egg fell a whopping -16.9%. That’s much worse than I had imagined. Our losses were all centered in the plunge in our equities. The S&P 500 … Continue reading A Bad Year, A Good Place …

Slower, Older, and Smarter

I took Thanksgiving weekend off from writing, but thought I would share this funny bit I saw posted on Reddit recently. It’s perfect for framing life in the ‘slow lane’ of early retirement… An Airbus 380 is on its way across the Atlantic. It flies consistently at 800 km/h at 30,000 feet, when suddenly an Eurofighter with a Tempo Mach 2 appears. The pilot of … Continue reading Slower, Older, and Smarter

Who Do You Spend Your Time With?

I recently ran across this interesting chart that shows how much time people spend with others at different points of their lives. Alone time and time with your partner, children, family, coworkers, and friends. It’s apparently from an annual ‘Time Use Study’ by the Bureau of Labor Statistics. At first glance, I was a little depressed to see the ebb & flow of the lines … Continue reading Who Do You Spend Your Time With?

Inadequate Advice for Saving

It’s as if the financial press WANTS people to be poorly prepared for a happy retirement. This chart from CNBC – dubiously thought of as a business channel – suggests the amount of savings people should have at different ages before retirement. A friend sent it to me a while ago and I think it’s simply terrible. First, the chart starts with the frequent financial … Continue reading Inadequate Advice for Saving