Budget — Retirement

November 2017 SWM Letter

This month we're looking at Safe Withdrawal Rates.  It’s our good fortune NOT to have been born into the royal family of Saudi Arabia.  Several of them are awaiting formal charges on corruption so they have been withdrawn.  Today's letter focuses on the much happier thought of choosing a safe income which will...
Read more

PENSION and two greatest ANXIETIES …6

Are you surprised that people with higher income and significant business experience would be worried about money for their retirement?   Two greatest worries in this group focus on money (life-income) and health (personal and family).  Don't assume by the house, car, or lifestyle that people are set for...
Read more


How would you possibly budget for an experience you’d never had?   For instance in the first home you ever owned, were you surprised how many expenses arose and how tight your  money could seem in that first year of home ownership?  But the question now isn’t cash-flow for a short time, but...
Read more