James

James retired in 2005 after serving 21 years in the United States Army. During the latter part of his career, James' interest in personal finance was piqued based on his 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. His most valued education has been lessons learned from personal experience and through conversations with smart, savvy friends.

Smoke ‘Em If You Got ‘Em … or Not

Smoking, and its impact on physical and fiscal fitness, has been addressed multiple times here at RetirementSavvy. I noted in Manage Your Fiscal and Physical Fitness that not only are there numerous health consequences associated with smoking, it is an expensive habit. Money used to buy cigarettes cannot be used to build an emergency fund or contribute to retirement …

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The Four Money Bears

As I have often noted, education is a key, if not THE key to achieving financial freedom; and the earlier someone begins the process of learning about various personal finance concepts, practices and philosophies, the better. Over the last couple of years I have identified two sources for teaching kids about money. There is Money As You Grow.  This web …

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Income Funds

During the course of previous discussions, we have identified three general stages in an individual’s investment life-cycle: building a fiscal foundation (conducted during your 20s and 30s), accumulating wealth (occurring between the early 40s and mid-50s), and pre-retirement, the five-year period prior to your desired retirement age. During the pre-retirement stage, debt is eliminated and a plan – considering the …

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Stronger – A SavvyReview and Giveaway

Interestingly, the authors of Stronger: Develop the Resilience You Need to Succeed bring together three diverse backgrounds. George Everly Jr., Ph.D., is a founding father of modern stress management and a pioneer in the field of human resilience; Douglas Strouse, Ph.D., is the Managing Partner of an international management consulting firm and a recognized expert on business …

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Money and Happiness

I don’t know about you, but over the course of the last year or so I have heard a lot of chatter about the connection between money and happiness. Actually, there have always been discussions about the connection between money and happiness. We are all familiar with the phrase, “money can’t buy happiness.” Is that true? More …

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