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Wednesday, January 16, 2019

Expand Your Spending Categories in 2019 for Better Personal Retirement Budgeting & Planning

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To help you develop a more robust spending budget and facilitate your retirement planning, we encourage you, in this post, to consider alloc...
Monday, December 31, 2018

2018 Year-End Review and 2019 Budget Development - Part II

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As part of our ongoing effort to encourage you to think more like an actuary when it comes to your personal finances, this post will recomme...
Thursday, December 20, 2018

2018 Year-End Review and 2019 Budget Development-Part I

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At the end of every calendar year, we encourage you to take just a little bit of the time that you might otherwise spend watching college fo...
Tuesday, December 4, 2018

Top 10 Reasons Why the Smoothed Actuarial Budget Benchmark is Superior to IRS RMD for Developing Spending Budgets

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Since the name of our website is “How Much Can I Afford to Spend in Retirement,” we frequently receive requests from readers to comment on a...
Tuesday, November 27, 2018

Optimal Equity Allocation?

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Since we are retired actuaries and not financial advisors, we don’t advocate any particular investment strategy in this blog.  For example, ...
Tuesday, November 6, 2018

Budgeting for Real-World Situations

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This post is a follow-up to our post of March 3, 2018 where we discussed the distinction between Systematic Withdrawal Plans (SWPs) and Su...
Monday, October 29, 2018

Retired Actuary Comments on Proposed Changes to Actuarial Standard of Practice No.32 (ASOP 32) Applicable to Social Security

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Because Social Security benefits are, for most people in the U.S., a major component involved in determining how much they can afford to spe...
Tuesday, October 23, 2018

It is not “Absurd” to Express Expected Future Healthcare Costs as a Lump Sum Present Value

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In his October 17 post, “Getting Real About (Annual) Health Care Costs in Retirement” , Michael Kitces discusses that, while the lump sum pr...
Monday, October 15, 2018

ALRIE is a Better Nest Egg to Lifetime Income “Translator”

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In his October 10, 2018 article, “ Retirement savings:  How to translate your nest egg into monthly income ,” Robert Powell suggests two pos...
Sunday, September 16, 2018

What’s the Plan, Betty and Stan?

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Periodically in our blogposts we take the time to remind you that in addition to using the Actuarial Approach to help you develop a reasonab...