Financial Security

Now it starts.  The Golden Years.  These are the years you worked for.  Your kids are off and totally self-sufficient.  You have some financial security because you kept up the discipline of saving.  All the experience of the years behind you are now leveraged with some choices about working or not, and leisure time.   You may still have another 20 to 30 years ahead to rely on your savings.. this is not the time to sit back and rest on your laurels.


  1. Be aware of overspending in early retirement, budget with caution.
  2. Swear off credit cards and any new debt.
  3. This is not the last chapter, it’s the first chapter in a new book, that’s a continuation of a series you have really enjoyed.  There’s still lots of opportunity to grow your wealth, lots of need to continue to exercise discipline, and lots of time to enjoy the rewards of a life well spent.


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