Author Archives: Jay Butchko
The Better Than Nothing Retirement Plan
One day, as if out of nowhere, you realize that you are much closer to retirement age than you think. You might receive greetings from the AARP on your 50th birthday, or you might receive an exorbitant medical bill and mentally calculate how many years it will take you to pay it off and… Read More »
How To Face Your Fears About Retirement
Most people retire earlier than they plan to, but not you. A common piece of retirement advice goes that, when you are 61, you should count the number of years you want to continue working and divide that number in half to find out how soon you will probably retire. Since you have no… Read More »
Precautionary Moves To Prevent Or Simplify Probate Disputes
You have spent years trying to keep the peace between your feuding family members, and you have reached the conclusion that you only have a limited amount of time on Earth. Meanwhile, you figured out long ago that your financial resources are limited. Even with the nimblest estate planning sleight of hand, there is… Read More »
Are You Prepared For The Time And Cost Of Probate?
It is for good reason that people say that your 40s and 50s are the most stressful time in your life. You are part of the “sandwich generation,” caring simultaneously for your children and your parents; both generations sometimes seem like they don’t need your help, only to catch you off guard with their… Read More »
Florida’s Sun Coast Never Goes Out Of Style As A Retirement Destination
If you are looking for a peaceful, affordable place to retire, you could do worse than Florida’s Sun Coast. The Sun Coast gets its name from the fact that it has, on average, more sunny days per year than anywhere else in Florida, making it one of the sunniest places in the United States. … Read More »
Practical Gifts To Celebrate Your Retirement
Being boring is underrated. Boring gift recipients are the best kind. It’s stressful to buy gifts for adults because they might take them the wrong way; they might think your gift is a subtle criticism about their appearance or financial habits. The most fun adult relative to buy gifts for is the one who… Read More »
When Seniors Try To Get Dental Care, Medicare Only Bares Its Teeth And Snarls
Almost everyone dreads going to the dentist, but you must admit that the advances in dentistry over the past decades have made the experience less pleasant than it used to be when you were young. If you have to do extensive dental work, dentists will use intravenous sedation, so you will only fall asleep… Read More »
Would You Take On Debt To Retire To Florida?
Retirement is supposed to be about getting out of the rat race. After you have spent decades basing all of your decisions on money, you are looking forward to thinking about something else for once. That means no more keeping up with the Joneses, no more risky investments and backup plans for survival if… Read More »
Keeping Money In Your 401(k) After You Retire Can Make Your Savings Last Longer
It is not possible to make detailed financial plans about your retirement until you decide what age you plan to retire and when you plan to begin drawing Social Security benefits. If you have an employer provided 401(k) retirement account, then between this and your Social Security retirement income, you can probably afford a… Read More »
Your Decision To Sell Your Empty Nest Just Got $10,000 Easier
The percentage of Americans who continue working for as long as their health allows and then retire with little or no savings, and it is likely only to get bigger, but another major reason why the Americans over the age of 65 who remain in the workforce are still there is inertia. It is… Read More »
