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There will certainly come a point where it is 5, 10, and 15 years in the future. Of that there is no doubt. The only real question is, “where will you be in that future?” This blog is committed to sharing ideas and information to help readers gain a better understanding of personal finance concepts and prepare themselves for a comfortable retirement; and to the idea that knowledge should be shared, particularly knowledge that has the profound ability to change lives.

As you survey the personal finance landscape, you are bound to take in a lot of information. Perhaps you hear a tale of financial woe from a family member, friend, or co-worker one week; watch a retirement related documentary the second week; and read the latest “state of retirement” study from a trusted organization during the third week. It should be clear to you that many American families are in trouble with regard to preparing for a satisfying retirement.

If you understand intuitively that you should be doing something to prepare for retirement but do not know how or where to start, this site is for you. If you are currently saving and investing but are admittedly doing it blindly, without a ‘nest egg’ number in mind and a concrete plan that addresses how to achieve that number, this site is for you. If your desire is to be a savvy consumer of information and use that information to secure your future, and that of those you hold closely, this site is for you. While there are no easy answers, educating yourself to the greatest extent possible, will serve you well as you seek to attain financial freedom.

“I’d rather aim high and miss, than aim low and hit.” Les Brown

James Molet - The JM GroupI retired in 2005 after serving 21 years in the United States Army, where I had a chance to travel the world and engage with a diverse, eclectic group of people and enjoy incredible experiences. During the latter part of my career, my interest in personal finance was piqued based on my own experiences and observations of the way most Americans plan – or more accurately, fail to plan – for retirement and the difficulty many face in starting the process. During this period I made a concentrated effort to understand key personal finance terminology, concepts, and philosophies.

During the course of my journey to achieving fiscal fitness, I have often spoken to family and friends about the topics of budgeting, saving, investing, and preparing for retirement. However, it seems as though I often feel like I forgot a key point or did not give better context to something that I may have mentioned. My first book, RENDEZVOUS WITH RETIREMENT: A Guide to Getting Fiscally Fit, started as a way to give family and friends a means of verifying the things we may have discussed; and captures some of the finer points which I may have missed during the course of our conversation. I am hopeful that others that may be struggling with personal finances find value in its pages and the posts that appear on this site.

While I hold an MBA from Wayland Baptist University, my most valued education are the lessons I have learned from personal experience and through conversations with smart, savvy friends.

James C. Molet

Interviews: With Jean at Nearly Retired and with the Debt Free Guys.

Reviews: Reviews of RENDEZVOUS WITH RETIREMENT: A Guide to Getting Fiscally Fit can be found at the following sites: One More Cup of Coffee, Valerie Talks Books and Generation Y.

“Just read and recommend RENDEZVOUS WITH RETIREMENT: A Guide to Getting Fiscally Fit~ Jason Vitug, a Phroogal founder

“As a former investment adviser and CFP who transitioned into senior management of one of the largest health insurance companies in the US, I’ve been consistently amazed at the lack of financial knowledge the general public has about investments…Mr. Molet’s book, while not a panacea nor a guarantee to investment success and retirement happiness, is a practical guide to preparing for retirement. His language and styling is easily understood by a neophyte and his advice is worthy of a PhD. Take his lessons to heart and you will avoid many, if not most, of the obstacles of reaching your financial goals. It is a good read with excellent advice, and more than a bargain at the price. I recommend it without reservation.” Amazon review by Michael R. Lewis.

Financial Disclosure: Posts within this blog may contain links to external websites, either informational or business related in nature. Compensation for the placement of external links may have been received by the management of this site. The mention of products or services; or links to their respective websites, does not necessarily constitute the endorsement of said products or services.

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