DAN SMITH

Comments

• Kathy, I suppose that would be Afternoon Delight.

  Post: Morning Delight

  Link to comment from June 21, 2025

• Your theoretical plan is totally workable. The difficult part, as you mention in your final sentence, is getting the youngsters started early.

  Post: A theoretical, simplified road to retirement income without a pension. I’ve learned it doesn’t exist. 

  Link to comment from June 21, 2025

• Anytime during the weekdays suits us. Evening and weekend shopping should be reserved for people with jobs. The worker bees don’t want to be behind a bunch of slow moving old retired folks anyway.

  Post: Morning Delight

  Link to comment from June 21, 2025

• Funny, I thought about posting that yesterday.

  Post: Let’s Get Happy

  Link to comment from June 20, 2025

• Well Dave, you'll get no down arrow or argument from me. I'm in agreement with the US News article you provided. Still, it's hard to discuss this without injecting politics. Having said that, it's not impossible to be happy here in the US. While I hate that some people have become polarized, Chris and I have a great life.

  Post: Does a Happy Country Lead to Happy Individuals?

  Link to comment from June 20, 2025

• Great song DrLefty!

  Post: The Surprising Gift of Unhurried Time: My Retirement Revelation

  Link to comment from June 20, 2025

• Our HO and umbrella have 6 months to go, but our auto just suffered a pretty big increase. I'm getting quotes but haven't found anything significantly better.

  Post: Gimme a Reason

  Link to comment from June 5, 2025

• Regarding Umbrella policies, a client was at fault in an accident that resulted in the death of a motorcycle rider. He had no Umbrella, and the award exceeded his car insurance limit by $80K.. He had to dip into his IRA to satisfy the judgement. An umbrella policy would have covered it.  Regarding those who rent their living space. Many renters skip renters insurance either because they don’t know it exists or because their furniture and clothing doesn’t have much value. However, like a typical home owners policy, renters insurance protects far more than just your possessions. And it’s affordable; I once bought renters insurance, and the multi-policy discount was actually greater than the cost of the renters policy premium.

  Post: Gimme a Reason

  Link to comment from June 5, 2025

• Mark, It’s fantastic that you guys are of one mind about retiring at the same time, and impressive that you are financially prepared at such a young age.  My insight, in a word; structure.  We have an idea of things we’d like to get done every day, but we don’t knock ourselves out getting to them. Coffee and morning news, a chore or two, lunch with old friends, a good book, the gym, maybe even a nap. Eventually and unfortunately doctors appointments will creep into your structure.  I enjoy reconnecting with old friends, and I lunch with or talk to them often. We are not avid travelers like some, but if that’s your thing, and it fits in your budget, by all means go for it.  Best wishes for you guys. Dan

  Post: When the Spreadsheet Gets Real

  Link to comment from June 4, 2025

• David, years ago while channel surfing on my car radio during a road trip, I came across a left wing talk radio show. When it came time for commercials, there were ads for buying gold, and also for lawyers promising to end your tax problems with the IRS. Later on in my trip I came across a right wing radio show, and guess what, same advertisers. It seemed to me like their target market was gullible consumers. I don't bite either.

  Post: What About Gold?

  Link to comment from June 4, 2025