Category: Retirement

10

Caution when investing in employer stocks

Lately I’m reading the book “Nudge” by Richard H. Thaler and Cass R. Sunstein.  Mr. Thaler is an economist, and won the Nobel Prize because of his research on behavioral economics. One section of the book talks about Company Stock.  One employee of former Enron invested all his money into the Enron stocks, during his 30+ year career.  One time his investment peaked to $1.3 million. He retired...

7

Three-minute fame

Lately I had an interview with Brian Bienkowski, a staff writer of debt.com.  Brian published an article about me: “After Almost Losing Her Investments, Helen Retired At 49 – Not bad for a person who never heard of a 401(k)”. I was joking with my family, and called this interview my three-minute fame. You can see that, Brian’s excellent and professional writing is very different from my amateur...

12

Does retirement guarantee a happy life?

Many people wonder: does retirement guarantee a happy life?  This is how I feel:  not necessarily.  It depends on each individual. Here are some personal stories. My dad: My dad retired when he was close to the age 60.  He had been teaching the primary school students for over 30 years.  At the end, he was too tired to deal with the young kids.  I don’t blame him. ...

8

Delayed gratification

Delayed gratification or instant gratification?  This is the choice we have to face every day. Nowadays, the vacation has not started yet, the message is already out:  Jane Doe is going to see Asia.  Once she is there, the pictures are like a waterfall: it never stops on the Facebook, Twitter, Instagram, etc. What are you thinking after seeing your friends’ beautiful pictures?  “I wish I were there”,...

12

An early retiree’s rhapsody

This is a collection of my random thoughts as an early retiree. As the weather is getting nicer, it’s more tempting for me to get out of the house, and do something: go fishing, smell the roses, see the concerts and air show, and witness the hot balloons festival.  Blogging is pushed to the back burner. In central Ohio, winter is a better time to sit down inside...

8

Roadblocks to retiring early

Retiring early is a tough decision.  There are so many factors to consider.  People do the best they can in terms of planning.  But the roadblocks are always there. Money is definitely at the top list.  Do I have enough money to retire early?  There are a lot of emotions involved as well.  Am I ready to retire? Some might say, I don’t want to retire.  I fully...