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Retirement: Do You Have a Plan B?

With coronavirus spreading across the globe, hopefully you’re staying safe and you’ve been able to stock up (or at least find) hand sanitizer and disinfectant wipes. Even toilet paper and bottled water are being rationed in many stores. Nobody really knows the extent or duration of this pandemic so it’s prudent to be prepared.

Things are happening at such a dizzying rate that it’s hard to even stay focused on what to do next, so we want to remind you to keep an eye on your future as well.

Specifically, what’s happening with your retirement savings? Have you even had the courage to check your balances recently? The stock market has been on such a stomach-churning ride that it’s understandable if you haven’t. Spoiler alert: the news isn’t good.

Everyone’s hoping once this worldwide illness runs its course things will quickly bounce back to normal. But what if that doesn’t happen? Do you have a Plan B if you’re close to...

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Expat Life: How Do You Celebrate the Holidays When Living Abroad?

The famous Andy Williams song proclaims, “It’s the most wonderful time of the year.” But what about when you’re living abroad? How do expats celebrate the season? Or do you celebrate at all? And what about the locals?

Like so many things in life, the answer is---it depends. Not so much on the country as the individual. There are expats who go all out during the holidays and others who do nothing. We’ll give you an “insider look” at what goes on during Thanksgiving, Christmas, and New Year’s in Cuenca, Ecuador where we live.

Thanksgiving ~ It should come as no surprise that for locals this holiday is just another day here. But that doesn’t mean expats aren’t able to celebrate. Turkeys are a specialty item generally available in grocery stores only around this time of year for Christmas. So numerous restaurants host a traditional Thanksgiving dinner for the expat community.

Plus many friends celebrate together in their homes....

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Retirement: Liar, Liar, Pants On Fire!!

Edd:  I read an article about lies people tell themselves in retirement.

Cynthia:  Yeah? We’re retired. What lies are we telling ourselves?

E:  The author covered three, but one of them I thought was particularly interesting: “I’m busier than ever… I don’t know how I ever fit work into my schedule.”

C:  That’s a lie? We’ve said it ourselves many times and so have a lot of our friends.

E:  That’s why I found the article interesting. The author says the translation of this “lie” is, and I quote, “I fill my life with whatever I can because I don’t know what else to do with it.”

C:  Huh. Well, I’m guessing this “expert” on retirement is not retired, and he obviously doesn’t know anybody in Cuenca! I mean, as an example, here’s a story from one of our lunch outings. 

A group of ladies met for a midday meal and were spending the afternoon...

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Retirement: Isn't It Supposed to Be Fun??

“My goal is to work as long as I possibly can. At least until 70. In fact, I hope I work so long that when I finally do retire I’ll be too old, too tired, and too sick to enjoy the few years I have left.”

Said no one, EVER!

If you listen to the experts...

Yet to believe what most financial writers say, that’s the hand you’ve been dealt. You haven’t saved enough so you’ve gotta work, work, work. And slash your current budget immediately because you’ve gotta save, save, save. Even Suze Orman proclaims that 70 is the new 65.

Oh, and after all that working and saving, downsize those retirement dreams of yours too because, well, by then you’ll probably be a candidate for long-term care so there goes the old nest egg.

Wait a minute... 

Isn’t retirement supposed to be fun? 

Didn’t you enter the workforce way back when with a vision of your future that included relaxation, the freedom to travel, maybe spending...

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