Early Retirement Blog

After two brutal years in the stock and bond markets, 2009 may bring seniors in retirement, some relief and added income. In 2008 alone, seniors watched as the S&P 500 fell an incredible 40%, and bond yields declined to near zero.  Usually, and as everyone knows these are unusual times, bond yields and stock market [...]

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Not This Christmas – I’m Going Green! After 44 continuous years of celebrating Christmas with a tree, this year I have decided not to have a Christmas tree, I’m celebrating a Green Christmas.   Last year I was shocked by the number of discarded Christmas trees, that littered the sidewalks of my San Francisco neighborhood, [...]

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What is the first thing you should consider if you have been laid off?   Retirement. Before you write your resume, look for jobs on the internet, or buy a new suit, you should first eliminate the possibility of early retirement.   Why consume your retirement savings, looking for another job, if you can retire [...]

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Baby I’ve Changed – Please Take Me Back! What do picking-up chicks and saving the U.S. economy have in common?   Confidence.   Without confidence, no one, not foreign chicks, nor American chicks, are willing to invest in the U.S. economy.   The American economy can’t get a date.   Everyone now   knows that [...]

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Living a green lifestyle can save your retirement, and allow you to achieve your retirement plans, even after the housing and stock market crashes.   Living a green lifestyle and consuming less,   allows you to save more for your retirement,  need less savings to retire, and enables you to retire much earlier. A green [...]

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Dear President-elect Obama: I want a Green Job. I don’t want more wars, more prisons, or more corporate bailouts.  I want Green Jobs.  Your plan to create 2.5 million Green Jobs is not enough.   The nation has lost 1 million jobs so far this year, our nation has lost millions of good paying jobs [...]

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How much savings do you need for retirement? Traditional retirement planning says that you need to be able to spend, the equivalent of 70%-80% of your current salary, every year in retirement.  Is that correct? No, it is not, it is a complete guess.  And this guess, causes most people to save more than is [...]

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