You weren’t put on this world to sit in an hour of traffic in order to slave away at a cubicle for 8 hours only to sit in another hour of traffic to get home to your family!
You’ve got bigger things to accomplish!
To use your talents in a way that gets you fired up, motivated and ready to take on the world.
Oh, I can hear you now. “Easy for you to say, Josh. But I’ve got a mortgage. I’ve got this to pay for. I’ve got that…”
Interesting. But how do you know it still can’t be done? Because some online tool? Because some ‘advisor’, who gets paid by managing YOUR money, says you need 8 times salary to retire? Because health care costs could bankrupt you?
Where is the evidence that these things are true???
Maybe, just maybe, it’s time for a different viewpoint, from someone who doesn’t get paid to sell you stuff. Maybe, just maybe, TODAY is the day to plan on living the life you were meant to.
Blessings to you!
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Take the Retirement Readiness Quiz here: heritagewealthplanning.com/retirement-readiness-quiz/
The 3 questions you need to answer BEFORE you hang up your work boots:
1. How much income will you need in retirement?
2. How much is your Primary Insurance Amount?
3. Subtract 2 from 1 and[wp_quiz id="1012"]Your Social Security benefit is based on your Primary Insurance Amount (PIA).
Your PIA is based on your Average Indexed Monthly Earnings (AIME).
However you can reduce or increase your PIA by retiring before or after your FRA (Full Retirement Age).
Having fun yet?
And it gets better. TheAIME, PIA, FRA, DECs... WHAT THE????
Unfortunately, these are the acronyms used regularly in regards to YOUR Social Security benefits.
You really need to understand how these topics work together because many retirees rely heavily on Social Security. In fact, there are studies done that showsOne of my pet peeves is how the financial planning industry had allowed itself to be consumed by the investment advisory industry. The two are not the same!
Financial planning is truly ALL encompassing, taxes, insurance, investments, college, debt, estate etc. are all part of the