{"id":57,"date":"2021-08-11T17:54:05","date_gmt":"2021-08-11T17:54:05","guid":{"rendered":"https:\/\/bwfinancialplanning.com\/2021\/08\/11\/what-ive-been-reading-august-11-2021\/"},"modified":"2025-08-06T16:15:06","modified_gmt":"2025-08-06T16:15:06","slug":"what-ive-been-reading-17","status":"publish","type":"post","link":"https:\/\/bwfinancialplanning.com\/?p=57","title":{"rendered":"Do I Have Enough to Retire?"},"content":{"rendered":"<p class=\"\">Here\u2019s what I\u2019ve been reading this past week or so.<\/p>\n<h3><a href=\"https:\/\/www.kiplinger.com\/retirement\/retirement-planning\/603228\/can-i-afford-to-retire?rid=EML-retire&amp;rmrecid=4454071548&amp;utm_campaign=20210805-retire&amp;utm_medium=email&amp;utm_source=retire\"><strong>Can I Afford To Retire?<\/strong><\/a><\/h3>\n<p class=\"\">People don\u2019t normally wake up and say \u201chey, I need a financial planner today\u201d. They reach out because something in their lives triggers the need to find a resource to help them with a life transition like a job change, marriage\/divorce, inheritance, and the most common, pending retirement. After years of accumulating assets, it is daunting to think about spending for 30+ years in retirement without running out of money.<\/p>\n<p class=\"\">The questions then become:<\/p>\n<p class=\"\"><em>Do you want to figure this out alone?<\/em><\/p>\n<p class=\"\"><em>Are you okay with the risk of missing a detail that may cost you in dollars or emotional energy and frustration?<\/em><\/p>\n<p class=\"\"><em>Will you put in the time and effort required to ensure you are on the best path?<\/em><\/p>\n<p class=\"\">If the answers are yes, then this article is a good place to start. If the answers are no, then seek out a\u00a0<a href=\"https:\/\/www.napfa.org\/financial-planning\/what-is-fee-only-advising\">fee-only fiduciary financial planner<\/a>.<\/p>\n<div class=\"\n          image-block-outer-wrapper\n          layout-caption-hidden\n          design-layout-inline\n          combination-animation-none\n          individual-animation-none\n          individual-text-animation-none\n        \" data-test=\"image-block-inline-outer-wrapper\"><\/p>\n<figure class=\"\n              sqs-block-image-figure\n              intrinsic\n            \" style=\"max-width: 300px;\"><\/p>\n<div class=\"image-block-wrapper\" data-animation-role=\"image\"><\/div>\n<\/figure>\n<\/div>\n<h3><a href=\"https:\/\/www.forbes.com\/sites\/brucebrumberg\/2021\/07\/27\/4-ways-bidens-proposed-tax-laws-could-impact-stock-compensation\/?sh=2267500357ad&amp;ct=t(EMAIL_CAMPAIGN_5_18_2021_13_40_COPY_01)&amp;mc_cid=390d457c0a&amp;mc_eid=UNIQID\" target=\"_blank\" rel=\"noopener\"><strong>4 Ways Biden\u2019s Proposed Tax Laws Could Impact Stock Compensation<\/strong><\/a><\/h3>\n<p class=\"\">Many of my clients have stock compensation as part of their overall comp. Stock compensation includes stock options, restricted stock, Employee Stock Purchase Plans (\u201cESPP\u201d), and Stock Appreciation Rights (\u201cSAR\u201d). The tricky part of stock compensation is its effect on your taxes. To make things more complicated, each type of stock compensation effects your taxes differently. There are also additional nuances if you work for a private versus public company. Yay. Bruce Brumberg is THE resource for financial planners when it comes to stock compensation. If you have stock compensation, you should give his\u00a0<em>Forbes<\/em>\u2019s article a read.<\/p>\n<h3><a href=\"https:\/\/www.investopedia.com\/personal-finance\/if-your-kid-18-you-need-these-documents\/\"><strong>If Your Kid Is 18, You Need These Documents<\/strong><\/a><\/h3>\n<p class=\"\">As parents, we have been intimately involved in all of our children\u2019s medical details and decisions. We have experienced the can\u2019t-believe-this-is-my-life-now medical moments to the truly awful ones. I\u2019m thinking of one particular can\u2019t-believe-this-is-my-life-now moment when my son at age 4 said \u201cMommy, my nose feels funny, I don\u2019t know why.\u201d Hmmm\u2026 There was a red lego lodged so far up his nose that I swear I could see his brain next to it. It had to be removed by a doctor on my birthday. The point is that we have been privy to <em>every single medical detail and decision<\/em>\u00a0since the second the little boogers (pun intended ?) entered our lives.<\/p>\n<p class=\"\">Imagine my shock when I was told to wait in the waiting area for my oldest son\u2019s well visit at age 13. Excuse me, what?? Then I was \u201cinvited\u201d to come at the end of the visit to talk with the doctor and my son for 5 minutes. Well, once kids turn 18, we as parents don\u2019t have the legal right to our children\u2019s medical information at all. This is thanks to the Health Insurance Portability and Accountability Act (\u201c<a href=\"https:\/\/www.hhs.gov\/hipaa\/index.html\">HIPPA<\/a>\u201d) aka the annoying form you have to sign every year at every doctor\u2019s office.<\/p>\n<p class=\"\">Not a problem under most circumstances, but what if Joey is away at college, hits his head, and is unconscious in a hospital? Legally without written permission, the hospital and doctors can not share any information when you frantically call to see if he is ok. Worse, you don\u2019t have the legal right to chime in on any medical decisions like surgery.<\/p>\n<p class=\"\">Most people don\u2019t want to be helicopter parents and\/or think having your 18 year old sign a Medical Power of Attorney document is overkill. BUT do you want a stranger in another state making medical decisions for your little Joey?<\/p>\n<div class=\"\n          image-block-outer-wrapper\n          layout-caption-hidden\n          design-layout-inline\n          combination-animation-none\n          individual-animation-none\n          individual-text-animation-none\n        \" data-test=\"image-block-inline-outer-wrapper\"><\/p>\n<figure class=\"\n              sqs-block-image-figure\n              intrinsic\n            \" style=\"max-width: 480px;\"><\/p>\n<div class=\"image-block-wrapper\" data-animation-role=\"image\">\n<p><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Another fun tidbit is when our kids turn 18, we don\u2019t have the right to their financial information or school records (even if we are footing the bill!!) unless our children give explicit permission. Read this article for more documents to consider when your kid turns 18.<\/span><\/p>\n<\/div>\n<\/figure>\n<\/div>\n<h3><a href=\"https:\/\/awealthofcommonsense.com\/2021\/08\/can-you-change-the-way-you-feel-about-money\/\"><strong>Can You Change The Way You Feel About Money?<\/strong><\/a><\/h3>\n<p class=\"\">Money = Emotions<\/p>\n<p class=\"\">I see this every day at work. This article is food for thought. The author states \u201c<em>Your relationship with money is determined by a number of factors ranging from your upbringing, your parents, money habits you were taught or observed growing up, your personality, how much or how little money you\u2019ve had at various points of your life, your ability to delay gratification and your emotional make-up.<\/em><\/p>\n<p class=\"\"><em>This stuff doesn\u2019t change simply because you hit some income, net worth or debt level. Money may amplify certain aspects of your personality but the money itself doesn\u2019t change you.<\/em>\u201d<\/p>\n<h3><a href=\"https:\/\/www.psychologytoday.com\/us\/blog\/people-are-strange\/202106\/why-rewatching-tv-shows-feels-so-good\"><strong>Why Rewatching TV Shows Feels So Good<\/strong><\/a><\/h3>\n<p><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">It\u2019s been established that I obsessively love TV. I have many TV shows that I have enjoyed and think are amazing. I have shows that if nothing else is on, I will leave on the background like <\/span><em style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Friends<\/em><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">\u00a0or any shows from NBC\u2019s late 80\u2019s\/early 90\u2019s Thursday night line up (RIP Markie Post!). But I don\u2019t really have a show that I watch when I need some comfort. I have teen rom com flicks that I will watch because there is always some sort of makeover, dance number, and happy ending. Does that count? I\u2019m going to work on this. In the running so far:\u00a0<\/span><em style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Arrested Development, Schitt$ Creek<\/em><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">,\u00a0<\/span><em style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Ted Lasso<\/em><\/p>\n<div class=\"\n          image-block-outer-wrapper\n          layout-caption-hidden\n          design-layout-inline\n          combination-animation-none\n          individual-animation-none\n          individual-text-animation-none\n        \" data-test=\"image-block-inline-outer-wrapper\"><\/p>\n<figure class=\"\n              sqs-block-image-figure\n              intrinsic\n            \" style=\"max-width: 420px;\"><\/p>\n<div class=\"image-block-wrapper\" data-animation-role=\"image\">\n<div class=\"sqs-image-shape-container-element\n\n              has-aspect-ratio\n            \" style=\"padding-bottom: 55%; overflow: hidden;\"><br \/>\n<span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Do you have any shows that you rewatch when you want to feel good?<\/span><\/div>\n<\/div>\n<\/figure>\n<\/div>\n<p class=\"\"><em>Disclosures:<\/em><\/p>\n<p class=\"\"><em>BW Financial LLC dba BW Financial Planning is an Investment Adviser registered with the State of Colorado.<\/em><\/p>\n<p class=\"\"><em>All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication&#8217;s conclusions. This communication is for informational purposes only and should not be construed as legal, accounting and\/or tax advice. Should you have any questions and\/or issues in these areas, please consult your legal, tax and\/or accounting adviser.<\/em><\/p>\n<p class=\"\">\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s what I\u2019ve been reading this past week or so. Can I Afford To Retire? People don\u2019t normally wake up and say \u201chey, I need a financial planner today\u201d. They reach out because something in their lives triggers the need to find a resource to help them with a life transition like a job change, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":332,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,12,18],"tags":[22,21],"class_list":["post-57","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-equity-compensation","category-financial-planning","category-retirement","tag-financial-planning","tag-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do I Have Enough to Retire?<\/title>\n<meta name=\"description\" content=\"Do I have enough to retire now? 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