Ever heard the phrase “work smarter, not harder”? It’s one of my favorites and one of the key drivers behind my interest in computers and investing. I learned fairly early on in life how to use computers to get more done with less time and money. I also spent a good portion of my career helping people prepare for and get the most out of retirement with their investments. Plus, I have learned a lot by helping my parents, in-laws and other retirees.

Now, to answer the question that caught your attention: Am I smart enough to retire?

Yes, I am. Over the years, I have learned a lot about saving and investing for retirement, maximizing Social Security income, minimizing taxes, laddering CDs, structuring annuities and more. Aside from the financial aspects of retirement, I know how to plan travel, make new friends and find adventures. If it were my time to retire, I would totally be ready.

Am I ready to retire? No. I’m only 50 and still love working. Nor do I have enough money to maintain my current lifestyle if I were to retire.  If my health holds up, I will probably work until I’m 70 or so. In the meantime, I’ll keep earning, saving and investing to prepare for that day.

Here’s the real question: Are you smart enough to retire? If you answered “No” or even hesitated, be sure to follow this blog and I’ll help you get there.

Have a question? Post it here and I’ll answer the best I can.