Life After Full-time Work Blog

Learn about preparing for life after full-time work through posts from Don's upcoming book.

#51 Wealth Zones: Essentials, Lifestyle, Bequest, Endowed

in Finance

So now, through the personal funded ratio calculation, you have an idea of where you are, relative to your target. What if you’re above your target? Or below? How does that affect your lifestyle options?

#50 Variations On A Theme

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Our exemplary couple decide that they want to play with the numbers, a little bit.

#49 An Example Of The Use Of The Personal Funded Ratio Calculator

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It’s time to assemble the facts required for a funded ratio calculation. If you’ve never done it before, gathering the information is not always easy. Here’s how one couple did their best, even though it was far from perfect.

#48 How To Use The Personal Funded Ratio Calculator

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In this post I explain how to use the Personal Funded Ratio calculator that’s on the website: the principles it’s based on, the questions it can answer, the information you need to provide, where and how I’ve imposed limitations on its flexibility – that sort of thing.

# 47 Inheritances And Bequests

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In practice we may add to our savings if we receive an inheritance, and we may want to leave bequests in addition to providing for life after full-time work. In this post we look at how to accommodate those aspects.

#46 Your Personal Funded Ratio

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There’s a simple concept that is extremely useful. Just compare how much you’ve got with how much you need! Here’s how to apply that concept to see how far you’ve come.

#35 Is Your Home Part Of Your Portfolio For Life After Work?

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Wouldn’t it be great if we had enough money to create a lifetime income stream, and could live forever in the home we own? Sure! But all too often we need to use our home to help generate that income stream. This post explains four ways to do so.

#33 Decumulate: Four Ways To Generate Sustainable Income

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So here we are, we’ve saved and invested, and we’re ready to stop working and convert our assets from a lump sum into a flow of retirement income that can be sustained for the rest of our life. How can we do that?

#32: Three Things That Could Derail Your Plan

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There are things that we should be aware of, that could upset our post-work lives from evolving as we hope. Here’s what we can consider, in case one of them appears in our path.

#30: Good Advisors Will Speak Our Language

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Financial professionals often tell us that they want to speak our language, then retreat into jargon. I’ve learnt about the difference.