The Real Cost of Fitness

Ok the headline of this post is kind of a joke.  In a perfect world there should be no cost to fitness.  Of course this isn’t a perfect world, and we have to make do with what we have.  I...

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Structured Saving

I’ve read before that the wealthiest people don’t use daily or monthly budgets.  Maybe that’s true in some respects.  But those wealthy people got that way through fiscal responsibility, which at some point had to include some measure of a...

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Cryptodiversification for Retirement

I thought I’d take a moment to write some initial thoughts about crypto currencies.  These have been all the rage in 2017. Am I a participant in that rage?  Yes I am.  Do I recommend it for most investment or...

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