E.J. Smith

1 week ago | youngresearch.com | E.J. Smith

Your Survival Guy was driving to an appointment Tuesday morning when one of my West Coast clients called my cell. “Hey, did you get the RUSH 50 box set?” he asked. “No, I haven’t,” I said. “I just got mine,” he said, “and it’s really well done,” explaining how he opted for the CD version. “It was only $75, and I figured it was worth it.”Later, when I checked out Rush’s website, I realized the vinyl and CD versions were sold out, then typed my way to Amazon.com to find a secondary seller asking $99.

1 week ago | youngresearch.com | E.J. Smith

OK, so you’re retired. You made it. Much like getting through school, it may have been touch and go along the way. But that’s for another day. Here you are, and you’re wondering, “Hey, Survival Guy, what are your retired clients doing?” Good question. As I scan my long list of retired or soon-to-be-retired clients, and some I spoke with today, I can tell you the number one goal is making sure there’s enough money to live on. That’s a given. But what about filling the days?

1 week ago | youngresearch.com | E.J. Smith

When you graduate from school into the real world, it can be jolting. Suddenly, you’re going from cookouts on the quad to a 9-5 job, living for the weekends. As I’ve written to you in the past, it’s a wonder you got out alive. But somehow you did, and the last thing you want is to do that all over again. Sure, being in your 20s is cool, but being broke? Not so much. Which brings us to your graduation from work into your retirement life.

1 week ago | youngresearch.com | E.J. Smith

When you graduate from work to retirement, it’s an emotional time. It’s right up there on the stress meter as one of the most stressful times in your life. It’s right up there with graduating from school and getting into the real world. How about some other stressful times financially? How about getting married? Or having children? All are examples of the happiest times in our lives, but now, financially, more lives depend on you. When we’re young, we just plow ahead.

2 weeks ago | youngresearch.com | E.J. Smith

When you graduated from school and got your first job, you probably didn’t make a ton of money, but you did get paid. And so, as we talk about the transition from graduating work and entering retirement, think about what you did all those years ago: You got paid. Because in retirement, you may not have a steady paycheck, but you can still have a steady stream of income. Sure, some will buy stocks in hopes of selling at a higher price, but as Dick Young says “Survival Guy, hope is not a strategy.