*** Check out our New EXCLUSIVE Special Report: What Is an Expat? You'll find the LINK on our Home Page ***

Imagine ~ Intend ~ Create

Retirement: What's It Like to be in Your 70s?

Edd here and going solo for this one.

“Septuagenarian” is your word for the day. It means “someone in their 70s,” which is what I am.

To be exact, 71 as of a few days ago.

You may wonder, “What’s it like to be that old (careful with that ‘old’ word )?” Not because you care what it’s like for me. What you’re really curious about is what it might be like for you.

Of course, I can’t help you with that one. But I’d like to share what my world looks like at this age as a possible glimpse into your own future. Let’s run through the trifecta of mind, body, and spirit.

Mind ~

Yeah, I can’t remember stuff sometimes. Not important matters like “Who/where am I?”  

Usually it’s someone’s name or when an event happened. Or I’ll use the wrong word and think, “Did I just say that?”

Guessing I’m not the only one with a paddle in that rowboat.

But the old...

Continue Reading...

Retirement: Let’s see how you stack up...

A recent study by Charles Schwab found that on average Americans believe they need $1,700,000 to retire. And according to another study by the Employee Benefit Research Institute, two-thirds of U.S. workers said they are very or somewhat confident they’ll be able to live comfortably throughout retirement.

Encouraging stuff, right? Except other studies pull back the curtain to reveal the shocking gap between our collective fantasy world versus harsh reality.

Let’s start with this—the 2019 Retirement Confidence Survey finds a jaw-dropping 47% of Americans age 35-44 have less than $25,000 saved for retirement. “Well,” you’re thinking, “those younger folks have a lot of time to catch up.”

Yes and no. Check out this chart from the same survey:

Amount Saved for Retirement

Ages 55 and Older

Less than $1,000


$1,000 to $9,999


$10,000 to $24,999


$25,000 to $49,999


$50,000 to $99,999



Continue Reading...

Expat Life: Sunday Surprises in Cuenca, Ecuador

It's never a surprise anymore that unexpected things happen around here. The surprise is finding out what's next. Case in point: this morning we look out the window and see a race happening down our street.

There was another race a few weeks ago so no big deal for us. But gotta ask...how often do races go by your window?

Then during brunch we hear music in the direction of a park across the street from our building. Not salsa or hip-hop for a change. Religious sounding music. H-m-m---let's go investigate.

Sure enough, there's a big stage set up

and the park is packed.

You may be wondering, "What's up with all the coats and puffy jackets?" Remember, it's winter here (although for us North Americans it only feels a little chilly). 

This turns out to be a full-on Catholic service with even communion being taken.

So maybe there was a tie-in with the earlier race. "Jogging for Jesus?" Now you language purists may be thinking, "That can't be right. The J in Spanish is pronounced...

Continue Reading...

75% Complete

Webinar Is Starting Soon!

Almost there... Enter name & email to reserve your spot.