Bad Habits = Higher Retirement Spending

Nothing makes me more stressed than listening to Alison Janey on those Kaiser Permanente commercials encouraging preventative care so that we all “Thrive.”  She’s a highly paid actress.  What about the rest of us who worry about our money lasting through retirement?   First, a terminology lesson.   Life Expectancy, a term that’s used a…

Using Annuities in Retirement

Annuities are a big business.  In 2019 $57.8billion in annuities were sold according to the Insured Retirement Institute.   What’s the appeal?   First, let’s remember that there are many kinds of annuities: Fixed, variable, immediate, and deferred are the main categories.  There are about 1,000 permutations under those categories. Second, I don’t sell any…