Short Answer: No plan can predict your exact health, lifespan, or the economy decades from now – and that’s okay. The goal isn’t a perfect forecast. It’s a retirement plan with enough built-in flexibility to absorb surprises without knocking you off course. Automating your savings and building in a cushion for the unexpected does more … Read more
Have you ever stopped to think about what your retirement could look like? Will you be paddling peacefully in your canoe or struggling to stay afloat? For many Canadians, the idea of retirement feels distant and abstract. Yet, the decisions you make today can dramatically impact your quality of life in the future. This post … Read more
Have you ever dreamed of retiring at 50 or 55, spending your days travelling, pursuing hobbies, or just relaxing with loved ones? It’s a vision many of us share, but making it a reality requires careful planning and discipline. The traditional retirement age of 65, as defined by the government and private pensions, feels like … Read more
There’s always that tempting thought: “If only I could win the lottery, all my problems would be solved.” We’ve all been there. But the truth is, waiting for a lottery win isn’t a financial plan. Whenever I ran into a financial situation that I thought I couldn’t solve, I would buy a lottery ticket. While … Read more
The Journey of a Lifetime Imagine this: during our lives, we will spend upwards of 500 months working for a living. That’s about 42 years of earning, learning, and hopefully, saving. Some might work less, some more, and an unfortunate few might never get to stop working. If we estimate an average monthly paycheck over … Read more
Bridges allow us to get from one place to another by crossing a difficult barrier like a river or deep canyon. Without that bridge, it would be very difficult or even impossible to cross over. The journey from the working world to retirement also requires crossing a difficult obstacle: no longer collecting a paycheck. How … Read more
We live in a world where life moves quickly. Whether it’s rushing along the road to get to work on time, getting the kids to sports activities or attending meetings, everything seems to move us along quickly. There’s nothing wrong with living life quickly. Unfortunately, we’ve developed the poor habit of expecting quick results from … Read more
Keep It Simple, Already These days most people want an easy painless method to achieve financial security. Sorry, but that magic bullet simply doesn’t exist. Having now written two books on this topic I can say there are a four essential steps to getting your finances in order. Let’s review: Step one: Commit to saving … Read more
During my working career I’ve seen important people come and go and sometimes wondered why well intentioned professionals were axed. In most cases, people were shown the door because they didn’t meet expectations placed upon them. What I didn’t realize until after the fact was that sometimes the expectations were unrealistic and simply used to … Read more
Imagine a simple world where we don’t have to worry about our future. We work our entire lives and the government simply sets a magical age for retirement. We get loads of pension money as our reward. While this is a novel idea, it doesn’t sit well with our leaders for many reasons. Costly Idea! … Read more
