A few times a month, someone sits across from me and says it like gospel: “I figured I can pull 4% a year and be fine.” I never blame them for believing it. The 4% rule has been repeated so often it sounds like a law of nature. But here is what most people do not know about it, and what I ...

By the time you read this, I will be on vacation in Mallorca, which means I am doing what every traveler does now: taking too many pictures, deleting half of them, then wondering why the sunset looked better in person. Today’s phone cameras have significantly improved over the years, but you ...

So, what happened next? To summarize, last week we left off where I had allowed a man claiming to be a hot tub repair technician into my backyard. After locking the doors, hiding a baseball bat under a blanket, and convincing myself I was probably overreacting, I went into my office to write ...

Maybe it was the domestic goddess in me that took over or the fact Scout Camp is in less than a week and the safety pins I’ve been using to hold on my boys’ badges may not hold but I decided it was time to thread the needle and sew. This was a costly mistake. It was two days later, ...

One of the great iconic — and ironic — pop culture lines comes from Star Wars: The Empire Strikes Back. That's when — after a prolonged lightsaber between hero Luke Skywalker and villain Darth Vader that includes Luke having his hand severed — Darth Vader (voiced by the incomparable ...

For most of the Utah retirees I work with, Medicare feels like the one part of retirement that finally runs itself. You enroll, the premium comes out of your Social Security check, and you stop thinking about it. It looks like smooth sailing. Then, one day, a letter arrives from Social Security ...