Many people focus on investment returns and how much money they will have when they retire. There are countless articles and countless “retirement calculators” to choose from. And with people getting pounded in various media sources about how much they have NOT saved for retirement, and how they will be eating dog food because their health care costs are going to eat all of their savings, we can easily see why people are depressed about this topic. Because face it, based on typical calculations and projections, a very large chunk of Americans will not have enough for their fantasy retirement. … Continue reading Cutting Expenses Just as (or More) Important as Investment Growth for Retirement