The information below was gleaned from William Perry’s post of the obituary published on Legacy.com by Logan Funeral Home, Inc earlier today.
A Memorial Service will be held on November 8, 2025 at 11:00 am at:
St. Peter’s Episcopal Church
313 Pine Street
Philadelphia, PA 19106
A light luncheon reception for family and friends will follow at:
The Hill-Physick House
321 S. 4th Street
Philadelphia, PA 19106
(A three-minute walk from the church)
My question is: Are any readers planning on attending?

Jonathan Clements Obituary
Obituary published on Legacy.com by Logan Funeral Home, Inc. – Philadelphia on Sep. 26, 2025.

I thought many of the readers of Humble Dollar would want to google and read the published obit.

Dear Bogdan, would you please send your email address to the HD writers group? There are times when we need to reach you, such as when WordPress holds a new piece whenever it has embedded web links.
Best,
-David

Prompted by Mark’s thread I’m having a bash, although I’m sure that this will be a subject that’s been covered before.
Having lived experience  to wherever you’re at now and with the superpower of hindsight (not to be spent on putting every cent you theoretically had in 1980s and subsequent into Apple) what are the key things you’d say to your younger self at say the following points:
i) Starting out in the serious working world at age 21ish
ii) Into middle age and pre-retirement working life at say 45-50
iii) On the cusp of retirement or making the decision of when to go
iv) 5 years into retirement
 

I own Treasury Inflation Protected Securities (TIPS), a small amount of I Bonds and my wife and I are both receiving social security benefits  so I have a lot of interest in what the federal government will do as far publishing the appropriate indexes that determines the upcoming inflation adjustment for TIPS, I Bonds and our social security benefit given the 10/01/2025 shutdown.
Looking around on the internet I came across this 10/15/2013 Boglehead’s article.
In the article there is a link to the federal register on the topic which Appendix C,

Each year in Seattle, our exquisite summer weather exits stage left in September, pursued by a bear worthy of Shakespeare: pervasive gloomy clouds and steady rain persist until next July. More rain accumulates in other cities, but we have more gray, cloudy days (usually 226/year).
Those many days of non-stop summer sunshine lead even the most careful to grow forgetful, leaving home without a rain shell, driving with joyous abandon on newly slick and dark roads.

I’m truly a bit of a techno refusenik when it comes to social media and much of the current online content. For example, I’m honestly not 100% sure how you’d find or listen to a podcast. Vlogs are a total mystery to me. I don’t know what they are, and I simply don’t have the curiosity to find out.
Obviously, I’m not a total dinosaur. After all, I’m writing this post for Humble Dollar, a most decidedly online retirement and personal finance forum.

Well, what can I say? When I wasn’t paying attention, I seemed to have turned into a responsible adult. That’s the thought running through my mind as I signed the consent form for my grandkids’ school, allowing them to contact me with any issues during the school day. I’m second on the list after my much more sensible wife, Suzie, so I’m moving up in the world!
Getting elevated to the contact form is a direct result of retirement.

Christine Benz at Morningstar has published an update to the article. I think this is one of the better summaries on the internet.
It provides the steps and options available when determining an RMD. She lists the “key steps to take to improve your portfolio at the same time you’re meeting your obligations with the IRS.” She also discusses penalties for non-compliance and approaches to pruning and asset re-allocation.
Using Morningstar Style Box and sector exposure is suggested as a tool,

The purpose of this post is simply to illustrate that the world of retirement planning and living is vastly different than that of many, if not most, in the HumbleDollar community of writers and readers. No judgement intended.
While we debate, saving, budgets, annuities, investment and withdrawal strategies, the real world, doesn’t or can’t save or invest adequately let alone accumulate wealth. 
According to the Federal Reserve, the median retirement savings for individuals age 55-64 is $185,000 and the average $537,560.

I was in Cartagena yesterday, the beautiful Spanish deep water port city once contested by the Roman Empire and the other great power of the ancient world, Carthage of “Hanniball marching elephants through the Alps” fame. After visiting the ruins of a Roman theater, I was paying for an eagerly anticipated beer when a thought crossed my mind.
As always I had used my multi-currency prepaid debit card, the same one I’ve used in many different parts of the world.

I’ve been observing the traits and habits of people I would consider successful.  Not only with finances (that goes without saying here)  but with life in general. Here are some traits I’ve noticed:

Get up early
Exercise regularly, eat right, sleep well
Have an active social life (friends , family, etc)
Follow a daily routines
Keep their minds engaged, whether it be some work in retirement, reading ,doing puzzles, etc.
Have good financial habits.

What are some traits or habits that you have,

If you have young children or grandchildren, you may know the answer to this question.
How much do families spend on their children’s sports activities? 🏈🏒🥍⚾️⚽️
The answer is a lot, often thousands of dollars a year. I know that from experience in our family. My children each spend four thousand more or less for their children’s equipment, team fees, travel costs and in some cases lessons.  
And then there are the fund raisers each team conducts.

HUMBLEDOLLAR FOUNDER and longtime Wall Street Journal columnist Jonathan Clements passed away earlier this week. He was 62.
I reached out to several of Jonathan’s close friends and colleagues to ask for their remembrances. Taken together, they paint a picture of someone who was as beloved by his peers as he was by his readers.
As Jason Zweig put it, “I have just lost a friend, and so have you.”
Christine Benz,

WE LOST A brilliant mind and generous writer, Jonathan Clements, whose words guided thousands on life, finance, and happiness. Even as he faced the unimaginable, he continued sharing wisdom with clarity, humor, and humanity.
I wanted to take some time and dig into Jonathan’s earliest posts on HumbleDollar. Posts that even the most loyal readers may not have read. With that, I also summarized some main takeaways and learnings that can help us all better navigate our own complex lives.