Has your home insurance premium skyrocketed lately? Has your insurance company stopped writing policies in your area? Is the home insurance market broken?

Welcome to the crazy world of getting your home insured against disaster. In particular in the great state of California.

Thinking about retiring?

There’s a lot to unpack. Lots to consider.

Just to get the juices flowing, here are 15 quick ideas.

“We should have an emergency kit.”

We’ve been married for 20 years now and we’ve been saying that for…about 20 years now.

Natural disasters seem to be happening more and more often. A cyberattack causing a disruption to the power grid and/or other essential systems is more likely than ever. Even a nuclear attack doesn’t seem so far-fetched anymore. Any of these happening is out of our control.

But what IS in our control is putting together an emergency kit and plan so we aren’t completely unprepared if/when an emergency happens.

This is Part 1, which deals with how we decided what to include in our kit.

How should you be invested during retirement? Where will your spending money come from? What happens if the stock markets go down? Are your investments safe enough? Let’s take a look at the concept of Investment Buckets.

FSAs can be fantastic tools to essentially get a discount/deduction on health care and/or dependent care. And there’s a temporary rule in effect for 2020-2021 that can allow even more flexibility.

Several of my clients are in the process of either buying or selling a home. The top two questions for those who are buying are:

1. Should I buy a house now or should I wait?

2. How much house can I afford?

Here are some high-level thoughts.