Almost daily, there’s an article about how poorly prepared we Americans are for retirement. Sure, we may not be the best savers on the planet; but sometimes, our long-term plans take a detour. A loved one is stricken by illness or we’re still drowning with only a fraction of our savings after the last economic collapse. In my fifties, I’ve lived through four of these boom-bust cycles – from the eighties to the most recent worldwide subprime meltdown. Despite massive unintentional donations (investment losses) over the years, the lessons of my frugal parents have enabled me to also make […]
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