I remember when I had my financial moment. I earned raise at work like I had many times before. However, each time I was given a raise in the past my standard of living changed but not my financial situation. You see, my wife and I had accumulated $68,000 of debt. The debt consisted of…

How much retirement income is enough is the most important question facing anyone trying to plan for retirement.  Many people want to know if they can maintain the same lifestyle as when they were working.  If you go back to and listen to episode number 23 (7 most common retirement dreams), you will find that…

In this episode we talk about the two different paths people take to help accumulate their first one million dollars.   Work for the employer path There are two traits required for those that wish to accumulate wealth by working for an employer.  First, decide right now that you are going to be brave and…

Equity markets have experienced a sharp decline to start 2016, leading some investors to reevaluate their asset allocation. As US stocks have outperformed developed ex US and emerging markets stocks over the last few years, some investors might consider reevaluating the benefits of investing outside the US. From January 1, 2010, through February 29, 2016, the S&P…

Are My Investments Too Risky? This week I discuss how to measure risk in a portfolio.  We because less stressed out about the day to day market once understand what risk means and how risky our portfolio is.  Do you understand risk as it pertains to investing?  Do you know how to measure risk in…