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Comments

• Thank you for your article. I always appreciate reading and understanding investment options. Thank you for explainingTips

  Post: Feeling TIPSy?

  Link to comment from August 26, 2026

• I agree that"we are common sense people" that are a minority. But I disagree with your statement"we are not blessed". Knowing that ALL that we have ARE Blessings helps me to stay appreciative every day for our finances, our health, our family, and our accumulated stuff. For all of it, we thank God

  Post: Americans and their credit cards

  Link to comment from August 25, 2026

• Good question. I truly believe everyone and there journeys are different. After 33 years of commission route sales and the hectic pace and hours that went along with it I knew I didn't want to sit around or start a similar rat race in retirement. Living in a smaller town it's all about connections, everybody knows someone so it's fairly easy to find a job. A lot of it is not what you know but who you know. I retired for three days 😂 before starting to work at our Middle School as a teachers aide. After almost fifteen years of that I retired again. I have now worked seasonally for the last eight years in our city's Parks department, enjoying the outdoors at a much slower pace along with no pressure of any kind

  Post: How Did You Find Paid Work After Retiring from Your Primary Career?

  Link to comment from August 25, 2026

• Even though I am retired, I cannot bring myself to settle for accepting low returns in exchange for "feeling" safe. Because of our high income stream we have always been and still are 100% invested in Index etf's.

  Post: Feeling TIPSy?

  Link to comment from August 22, 2026

• I'm one that isn't willing to adapt. Actually I would but I don't feel the need to. For the last thirty years my reason for buy, hold, and stay 100% in stocks with no bonds is if I had kept adapting such as holding bonds I would lose more upside than is I always stay in stocks and take ten or twenty percent drop in my portfolio.

  Post: Risk Management

  Link to comment from August 17, 2026

• This is one thing I've started to do at least five or six times. Every time I stop because it's feeling overwhelmed. You list three that you say make short work of it. Which of the three is the simplest to use. Lastly, can a password manager be installed using my Android phone. I didn't have a computer

  Post: Beefing Up Security

  Link to comment from August 15, 2026

• As I read your article I realized two things. First, you worried about money in your twenties and thirties, I kind of wish I had but I'm also thankful I didn't. The pension from staying with one company (Hostess Cake) for over thirty years and multiple pensions along with S.S. take care of us very well. Secondly, your last line " some of you are real characters , you know who you are" ... If you don't think you hang out with"real characters" you might be the"real character" 😉

  Post: Looking Back On My Hard Luck Days

  Link to comment from August 15, 2026

• I totally agree with your premise. I always think that seeing our children and grandchildren actually living out life lessons we've shared along the way is really valuable. And the best way to see that is by spending time with them and being present

  Post: The Paradox of Wealth

  Link to comment from July 16, 2026

• Thank you the response Richard. The answer is "No". It's just a car not an experience for us. Our cars end up like our cell phones. Most people "have to" run out and buy the newest, shiniest, powerful, $1500 cell phone every year that can do soooo much. And they only make calls, texts, and emails 90% of the time. That's not us. They point of my comment was that we can definitely afford the fancy name brand car that is twice as comfortable, twice as expensive, and lasts half as long. But, we revert back to our frugal ways because after three decades of saving and investing, we are having a struggle getting used to letting loose and freely spending our financial resources P.S.- When we want comfort and a change of pace we drive our Ford Expedition Limited

  Post: Buying a car in retirement

  Link to comment from July 15, 2026

• First let me say that as a retired commission salesman, I actually enjoy the car buying process. We own two types of cars. A large suv to pull our travel trailer and a smaller one for economical purposes. As I researched the size vehicle I was interested in I convinced myself that the cost wasn't a factor, comfort and reliability were. But when the time came and I knew exactly which vehicle we wanted to purchase I went back to my old way of thinking. I went with reliability and cost, over comfort. When I buy a car I want to "know" that it'll last us 300,000 miles or more, so we bought another Honda CRV Touring trim level. I enjoy the 33+ mpg and all of the fancy non-essential bells and whistles. My wife on the other hand hates bells and whistles, and doesn't care about the mpg's. She wanted comfortable and we both agree that it is not. Old habits die hard, and so do old mindsets

  Post: Buying a car in retirement

  Link to comment from July 15, 2026