How To Create Investing Efficiency Show 52

Many people have experienced amazing stock market returns over the last decade. It becomes addictive. A lot like always becoming more competitive on the bicycle, but life changes. Our circumstances change and we need to change our mentality. Ten years ago, you were younger and may have still been working. You could afford to have more risky allocations, but when you are retired, you’re typically no longer categorized as a long-term investor. You may need your money sooner rather than later. It makes sense to begin taking some risk out of your equation if you can’t wait for your money to come in a stock market correction.

I’ve had my eye on a single speed basic bike. It has one gear and is made for cruising around, nothing too serious. I found a shop in Shelby, NC, that had one and last Saturday we drove up there to buy it.

When Mallory and I went on our first date, we met in Shelby. It was about halfway between where we were both living. So, we had lunch at the pizza restaurant where we met the first time. Enough with the sap! Back to the bike analogy.

With a single speed bike there is little that can go wrong with it. Even an inept mechanic like myself can work on it. As we age, it makes sense to begin simplifying our financial plan and having a quarterback that can help you oversee what you have going on. It’s no secret that if we live long enough, we won’t always be as mentally sharp as we are today.

In today’s world, it’s not uncommon to have several jobs in our careers. At each of those employers people will commonly begin a new retirement plan. It’s important to have your accounts working in harmony to create your masterpiece financial plan.

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