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“How much money do I need to retire?”….is an often asked question. If you google the question, you will find ten+ pages of references to websites, articles and retirement calculators that attempt to answer the question. While, many of these references can be helpful if your situation matches the criteria or situation discussed, I believe that your finances are personal and so are the answers to your financial planning questions. Therefore, in my opinion, you need to start by discovering the answers to specific questions about you.

Why has the stock market done so well through the first half of 2021? 1)Jobs; 2) Company earning (profits); 3) Consumer spending; 4) Anticipation

Is your glass half empty or half full? From where do you receive news? What do you read? Whose opinions do you agree with or disagree? How does all of this impact your daily activities, mental, emotional, and physical health? Do you really make up your own mind or are you influenced by others? While many of us may take pride in feeling as if we are independent thinkers, it is quite possible the opposite could be the truth.

Is the United States headed for another Depression? I hear this question periodically. It is usually asked when “the other party” is in power in Washington and someone disagrees with “the other tribe’s policies.” Allow me to talk a bit about the causes of the Great Depression and the state of the U.S. and the world at that time.