This may be a stretch for the forum but I’m going to throw it out there and hope it helps someone.
When my first wife told me that I held my breath while sleeping I didn’t think much about it. Then Chris (new wife) told me that I stop breathing and probably have apnea, and should do a sleep study.
So I did. And I hated it. Dozens of wires attached all over my body. The worst of them on my head,

WHO’S YOUR FINANCIAL hero? This should be someone whose qualities and character lend themselves to emulation in your own financial life.
Let’s set some ground rules here for picking a financial hero. First, your hero probably shouldn’t be the usual suspect: Warren Buffett. While Buffett is certainly a very successful investor, the investment game that he’s playing is very different from the one most of the rest of us are.
The same goes for folks like Elon Musk,

Jonathan asked what advice I give my children related to their retirement.
Our children are ages 54, 53, 50 and 49.
I don’t give our children advice about retirement planning or money and I don’t expect to ever be in a position to do so. But even if I was, giving any advice requires detailed knowledge of all the related facts which I don’t have.  I will do my best to answer a question if asked. 

I WAS FORTUNATE to find enough time during my working years to pursue various hobbies and other personal interests. My part-time work arrangement allowed me to have four-day weekends. I’d hoped that, after retirement, I would have even more time to take on personal projects.
But surprisingly, I found myself with less free time. Not only was I failing to start new projects, such as writing software for the website of the nonprofit I cofounded,

Jonathan was interviewed by Christine Benz on The Long View podcast produced by Morningstar which can be found anywhere podcast are found or here:
Jonathan Clements: ‘Life Is Full of Small Pleasures’ | Morningstar

MOTIVATIONAL SPEAKER Jim Rohn said, “You are the average of the five people you spend the most time with.” His contention: We should carefully pick the folks who surround us because, over time, we’ll become more like them.
Recent research offers some support for this idea. For instance, if we have a close friend who becomes obese, one study found we’re 57% more likely to become obese as well. If that’s so, we might also want to cozy up to skinny friends who count exercise as fun recreation.

My wife is retired and I will be retiring at the end of the year.  With pensions and SS we will have all of our expenses covered.         We have 300k in IRA accounts.  (50% Roth,50% Traditional) .  I don’t like the idea of buying an annuity so I am considering investing in Dividend stocks for additional income and reinvesting the income until the time would possibly come in the future that we might choose to use the income.

The year was 1988 and I was sitting across the table from my employer and his attorney, I was not a happy camper when they proposed to freeze the defined benefit (DB) pension. Instead, they would divert their contribution into a new 401k plan. I had been a pension trustee representing the union’s interest and had some awareness of some funding issues looming. Most employers are desperate to freeze those DB plans in order to escape the financial liability that can plague their bottom line.

I talked about my first paying job, at the local public library, in Learned From Less. I discussed experiences from my second job in Not Long Remembered. My third job, as a temporary factory worker, also made a big impression on me.
During the second part of the summer after my college freshman year, I signed up with a temporary employment agency. They would call me most weekday mornings to offer work assignments at pay slightly above minimum wage.

I posted the following as a comment on another forum topic, but I think maybe it merits a stand-alone conversation. In my time as a tax preparer I witnessed at least a dozen instances where large refunds were held up either by the IRS or the state.
I have mentioned this cautionary warning before regarding over withholding. A client had about $8k withheld from a $10k distribution. Her situation changed one year and she was due an $8k tax refund.

BENJAMIN GRAHAM was Warren Buffett’s teacher and mentor. He also ran an investment fund that specialized in uncovering demonstrably undervalued stocks.
One day in 1926, Graham was at his desk, reading through a government report on railroads, when he noticed a potentially important footnote. It referenced assets held by a number of oil pipeline companies. But there wasn’t a lot of detail, so Graham boarded a train to Washington and found his way to the Interstate Commerce Commission (ICC),

There are alternatives to the 4% rule that are not complicated. Here are three ways to calculate your first-year spending rate. All the calculations show the percentage of your investment assets so you can compare them against each other and the 4% rule.
The first one is from the Society of Actuaries:
Retirement age / 20 / 100
At 65 the calculation would be 65 / 20 / 100 = 3.25% and if you retire at 75,

According to the Federal Reserve, 64% of current retirees age 65 and older have a defined benefit pension. That includes me and today (last work day of the month) is payday as Connie calls it. Our “house” checking account as it’s labeled, is replenished. The pension deposit has not changed in fifteen years and will not change in the future.
The second and fourth Wednesdays are also paydays when our Social Security arrives at our bank.

AT A FAMILY DINNER in the early 1980s, I remember one of my brothers—probably then age 20 or so—saying, “But isn’t the economy built on sand?”
My economist stepfather offered one of his trademark droll responses: “The economy’s always built on sand.”
The same could be said for the stock market. In the minds of many investors, it’s always teetering on the verge of collapse. After two years of rising share prices, and amid concerns about high stock valuations,

Ran across this. Not HD content or indeed probably the average HDer being discussed but interesting on the general problems faced by over 60s
https://sherwood.news/personal-finance/boomers-money-secrets-millennial-gen-z-troubles/
I’ve always thought inheritance would eventually be the only way many of their grandkids would achieve real financial security but it seems some may be passing on a millstone in legacy.