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What Every Investor Should Know About Planning And Saving For Retirement
I have a special message for those of you that may be in your fifties or for those of you that may be about to go into your fifties. So if you’re in this age bracket, you may be about to go into One of the Best Cashflow Periods of Your Entire Life.
So let me explain. If you’re in your fifties, hopefully your career’s going well and hopefully maybe you’re making more money today than you’ve ever made before in your history. And I believe that for many of you your cashflow situation may be about to take a complete 180 for the positive, for the better. So let me explain to you a little bit about my own personal situation. So I’m going to be 46 years old this year and we’ve got a couple of kids. I’ve got a senior in high school that’s going to be graduating this year and going off to college so my expenses are about to really pick up there a little bit as he goes into college and then my daughter’s a couple of years behind this. So about five or six years from now hopefully our kids are going to be out of college, we’re going to have that expense that’s going to be gone. Our house is getting closer to being paid off and we’re really going to see a pretty tremendous cashflow situation and a lot of it really has to do with our kids kind of getting out and moving on their own as well as us continuing to do well financially with our work situation.
So think about it for a second. Think about all the things that you may spend money on regarding your kids, not just college expenses but if you’re like us, we’ve gone through braces, we’ve gone through kids’ sports and now that we have a couple of high schoolers, we have the prom and the homecomings, the suits and the dresses and the shoes and nowadays you have to pay for the sports that you participate in and uniforms and equipment. So all of that stuff adds up and I haven’t really tallied it up, I probably should or maybe I shouldn’t, I don’t know but anyway I think once we get through that we’re likely to see a pretty substantial shift. So what I wanted to do is I wanted to make this quick little video here so you’re kind of aware of already of what’s going on there, and as you go into that where you start to see your cashflow turn around for the positive so utilize that. Utilize that I think in a couple of different ways.
One is to really understand your cashflow and understand where you’re at currently and maybe take some of that excess cashflow and use that to hopefully ramp up your retirement savings if you’re maybe trying to catch up or possibly a little bit behind in that regard. So anyway I think that’s one thing, and then also two, I just made another video blog where I talked about living for today and not waiting for retirement. So as your cashflow improves, maybe that’s an opportunity for you to do some of those fun things that maybe you’ve been putting off as your kids have been growing up and there’s been a lot of expenses for that.
What I Do
I help individuals make the transition from working to retirement.
As you approach retirement you will be making some of the most important financial decisions of your life. Most of these decisions don’t get a do-over, once you’ve made them your stuck.
My goal is to help you get the most out of your retirement resources. I do this by coordinating and optimizing what I call the 7 Core Elements of Retirement Planning.
It all starts with a plan!
We use advanced financial planning software to help you understand your retirement cash flow so you know where the gaps are.
Understanding your retirement gap is the foundation to getting the most out out of your retirement resources and avoiding costly mistakes.