Christy and her husband, Bryce, retired in 2014 at age 31; they had about $1.16 million saved, which includes about 4 years of living expenses ($160 thousand–my estimate). Can two people make the money last in Toronto, Canada, where they live? What if they have kids? Continue reading
Last winter, my younger brother, Bill, showed me a notebook I left at home over 50 years ago. It had two pages of expense entries from the summer of 1962, after graduating from high school, and from 1963, when I attended the New York State Ranger School, a forestry technician school in the western Adirondack Mountains of New York. Money spent: I wanted to see what the entries might tell. Continue reading
The Atlantic magazine recently published a piece about the West entitled The Graying of Rural America, which argues that, “As cities attract young people, rural America has become older, whiter, and less populated.”
The authors focus on Fossil, Oregon, the county seat of Wheeler County, which they describe as slowly dying. According to The Atlantic, the town began “bleeding jobs” after a lumber mill closed in 1978. Young people leave for educations and jobs in larger cities, and old people become trapped. They exist mostly on investment earnings or government checks like Social Security. Continue reading
If the interior West exudes space, solitude, and silence, the Pacific Coast offers drama: isolated beaches, quaint towns, high cliffs, shifting mist and rain, and a coastline littered with large rock formations. We visited the Pacific Coast in early June, before the travel season peaked and, luckily, when the weather was good. Continue reading
On the pages of many outdoor or hunting magazines, photos of the West show mostly places in the Rocky Mountains. As a boy in western New York, I spent hours reading those magazines and came to believe that the West and the Rockies were one in the same. I was 24 years old when I made my first trip west. At that time, I taught high school math, and when school ended in June, I packed some essentials on a motorcycle and headed out. Among other things, I learned that the West was more than the Rockies. Continue reading
A Short History of Later Living
I’ve neglected this blog for some months, but I’m now ready to revive it.
Back in late 2011 when I started, two motives dominated. First, I wanted to see if I could write a weekly post or column (it’s not easy). Second, I wanted to figure out retirement for myself (how should I live in retirement?). Continue reading
Barbara and I are in Vermont for some weeks this winter, and last week we witnessed how an ice jam causes flooding during late winter rains, which then created a remarkable winter scene. The story occurred in north central Vermont on the Lamoille River, which is about 85 miles long and drains a watershed of roughly 700 square miles. The river begins in eastern Vermont and flows generally west into Lake Champlain.
Here’s a short version of the story: Continue reading
My wife and I recently took a short road trip through parts of Maine. Maine attracts visitors, mostly to the southern part of the coast and mostly in summer. The northern coast, northeast of Acadia National Park, attracts fewer visitors and is much less populated; this is the coastline of Down East Maine. In winter the roads are mostly empty, the coast is windy and solitude is available almost everywhere. Continue reading
In 2003, a year after I retired but when my wife was still working, I took Anna, our dog, and headed west to see some of the country I’d visited in times past. Anna and I camped most of the time, and one particular night I remember finding a small Bureau of Land Management campground on Antelope Reservoir in eastern Oregon. We could see a long way across the reservoir and surrounding desert landscape. I remember preparing dinner while Anna, sitting at the edge of the campsite, watched the landscape for signs of life. Continue reading
I recently taught a course to retirees on passive investing at the University of Georgia’s Osher Lifelong Learning Institute (OLLI). Many in the class had portfolios with various brokers or financial planners, some local, some far away, and the portfolios were complicated and laden with high-cost mutual funds as well as individual stocks and bonds. They were not making much money, and they wanted to hear about a different approach. Continue reading