Woodworking offers retirees a fulfilling hobby that blends creativity with practicality. It's a great way to spend your free time creating beautiful and useful items for your home or as gifts. Here are some woodworking projects that can help retirees improve their skills and enhance their living spaces: Kid's Bookshelf A kid's bookshelf is a [...]
Establishing financial wellness is a personal, ever-changing state of being that enables one to exercise choice while feeling in control of finances. The individual determines financial wellness, which often includes working toward financial goals by completing specific actions. Some actions are time-sensitive, but others can occur anytime throughout the year. Here are ten actions that [...]
Many view pets as part of their family and essential to their happiness and mental health. Pets can be an added expense as they may need special diets, require veterinary services, and in some cases, pet daycare. Pets are not considered dependents when it comes to taxes, but if your pet plays a specific role [...]
As a financial advisor, I've had the privilege of working with many clients from Generation X—the often-overlooked cohort born between 1965 and 1980. And I can say with certainty that this generation is facing some unique challenges when it comes to preparing for retirement. Nearly half of Gen Xers, a staggering 48%, say they won't [...]
Image source: https://www.amazon.com/Debt-Updated-Expanded-First-Years/dp/1612194192 Debt: The First 5,000 Years by David Graeber is a captivating journey through the global history of debt, credit, and money, offering a profound look at the concepts of debt and their impact on human relations, markets, and societies over millennia.[1] For retirees seeking a deeper understanding of the economic [...]
Project 2025, a policy blueprint developed by the Heritage Foundation, has stirred significant attention due to its controversial tax proposals. This 900-page mandate from the conservative think tank outlines profound changes that could fundamentally alter the federal government, including the tax system. Here's what you need to know about Project 2025 and its potential impact [...]
Summer vacation is a time of relaxation and fun. But sometimes, our plans can change abruptly, and we find ourselves planning a last-minute trip. Preparing your finances for this sudden expenditure is essential to avoid financial stress and enjoy your vacation fully. Here's how you can prep your finances for a last-minute summer vacation: Establish [...]
Given the constantly fluctuating economic climate, developing strategic planning methods to ensure a comfortable retirement has become more critical than ever. One such strategy to complement this is tax planning. Effective tax planning before and during retirement can enhance the longevity of your retirement savings by lowering your tax bill. Here are six tax-reducing strategies [...]
Many people are familiar with budgeting, providing a roadmap for spending habits. While there are many ways to budget, one standout tool is the personal budget calendar, which helps track your income and expenses spread over days, weeks, and months. Personal budget calendars help you plan and control spending, resulting in financial confidence. Here are [...]
Planning for retirement involves more than just setting aside money in a retirement account. It's a complex process that requires familiarity with various financial concepts and terms. To enhance your retirement planning strategy, it's essential to acquaint yourself with some key terms. Here are three important concepts that you should be aware of: RMD (Required [...]
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