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26/10/2026

Picture your child having to spell this when you call the electric company.

42. Blackout. Third time.

A meaningful/unique name can be an amazing choice but adding extra letters just because "it's too common" will mean someone has to explain why you've done that for years.

At least try it out somewhere other than the birth announcement.

You probably should put a bit more thought into naming a person than you would your Wi-Fi.

26/10/2026

She received her first paycheck including an American Revolution unit!

She calculated how much per hour they were earning, then received their deposit including a group task.

As an economics teacher, I love that she had an argument rather than being annoyed with the calculator.

In reality although teens do not pay Federal income tax due to low earnings they will still pay Social Security and Medicare Tax.

This is why children should look at their pay slip before creating a budget. They can see how many hours they have worked, their gross pay, what has been taken out and their net pay.

No teenager is more interested in government than when they realise they have already paid into it with their paycheck!''

26/10/2026

"I deserve it"

After a long busy week, and feeling tired, hungry and wanting someone else to cook.

Sometimes you will feel that it is worth it. Whether it is an anniversary meal, eating with friends or just having a couple of hours with your spouse without having to help them find their shoes.

Problems can occur if we start thinking that we deserve it, and our emergency fund is always left with whatever we have left.

So next time you are trying to decide if you should buy something, try this. Take the full price of what you want and divide it by how much you make per hour (after tax). This should include any tip, fees or other costs you actually pay.

Then think about whether it is really worth that much effort for you. Sometimes it will be.

You can enjoy your money but remember to take into consideration the effort it took to earn.

26/10/2026

One of the biggest decisions you will make in your retirement is whether to take your social security at 62, 67, or 70.
After being a Financial Advisor for almost 20 years, I have seen people do more research on what truck to buy for $40k than what age to take their social security. 🤦‍♂️
Let’s look at the numbers.
If you are entitled to $2,500 per month at your full retirement age of 67, you will receive:
$1,750 if you take at 62.
$2,500 if you take at 67.
$3,100 if you take at 70.
That’s a difference of $1,350 per month.
Over 20 years this becomes $324,000 before taking into account cost of living increases.
Now I know some of you will be saying "Always take at 70!" but there is something important to note.
You don’t get those 8 years back.
If you take at 62 you have 8 years of payments whereas if you take at 70 you get nothing.
You would have taken $1,750 per month, that’s $168,000 before your 70th birthday.
However, if you take at 70 you will get a much larger monthly payment. However, it will take a while to catch up.
For example, this would break even at around 80.
If you are going to live into your 80s or 90s then waiting until 70 could be a great idea. If however you pass away at 73 then taking at 62 would have given you more overall.
Unfortunately we don’t know how long we will live for! It would be great if we did though. 🙃
The most important things to think about when approaching retirement are:
1. Taking early isn’t always a bad idea.
If your health is deteriorating, you don’t expect to live as long or you genuinely need the money to live then taking at 62 may be the right thing to do.
There is no reason to risk your financial stability because someone on Facebook said you should wait until 70.
2. Working whilst taking can change everything.
This catches a lot of people out.
If you are under your full retirement age for the whole of 2026 you can earn up to $24,480 from work and not have any social security deducted.
Once you earn more than this, social security will generally deduct $1 for every $2 of what you earn.
However, when you hit your full retirement age social security will recalculate your payment to take into account the months you didn’t receive payments.
If you are going to work full time whilst taking at 62 then you need to know this.
3. Married couples should think differently.
This can be a great tool for social security.
If you are married and you are the higher earner, by waiting to take your social security you could increase the amount your spouse receives as a survivor.
You could be impacting how much your spouse receives for another 10, 15 or 20 years.
Sometimes it makes sense to have the higher earner wait until 70 even if the lower earner is taking early.
You need to think about your household.
4. Your social security isn’t based on your last salary.
Social security is generally calculated based on your top 35 years of earnings. Adjusted for wage growth.
If you haven’t worked for 30 years then those 5 years will be zeros.
If you are still working and earning more than you have earned in previous years then these can replace the lower earning years to increase your social security.
The amounts shown in this graphic are examples. Two people earning $80,000 now could have very different amounts based on their earnings throughout their life.
5. Don’t forget taxes and medicare.
Up to 85% of your social security could be taxed depending on your other income.
This doesn’t mean you are paying 85% tax. It means up to 85% of your social security could be taxed.
Even if you are waiting until 70 to take your social security, medicare generally kicks in at 65. If you miss out on your medicare window and don’t qualify for an exception then you could face costly penalties.
Overall, the most important thing to remember after helping many people plan their retirement is:
It isn’t about getting the largest social security payment. It’s about making the best choice for your retirement.
If someone has $2 million invested, excellent health, and a family history of living into their 90s has a completely different decision than someone with $40,000 in savings, health issues and a mortgage they can barely afford.
They shouldn’t be taking the same advice.
Before you take your social security head to SSA.gov and look at your personal estimates. You can see how much you would get if you took it at different ages.
Consider your health, spouse, savings, taxes and how much guaranteed income you need in later years.
Once you make your decision it isn’t always easy to change.
Considering you could receive hundreds of thousands from social security throughout your lifetime, I would argue it’s worth thinking about a bit more than what vehicle you want...

26/10/2026

Costco needs a second kind of membership where a disappointed mom follows you around.

You reach for something and she says, “Where are you going to put that?”

You mention the sale and she says, “You didn’t need it at full price either.”

Then she makes you explain why a household that came in for eggs is suddenly considering a kayak.

Honestly, let her check the cart before checkout. She’d probably save more money than the membership costs.

26/10/2026

The question many working people are asking.

And honestly its a fair question!

Most people will notice they pay into Social Security each and every pay check. They can feel concerned when they hear that it will be insolvent by 2032.

So ‘Where has all that money gone?’.

The basic answer is that Social Security is not an individual savings account. You are paying into it through your Payroll Taxes. This pays out to retirees currently. The idea is to have workers pay into it to help fund your benefits.

This used to work well as there were more workers for each retiree. People also had more children and life expectancy was different.

However, things are becoming a bit tighter.

The latest Trustees Report shows that the retirement trust fund is expected to become exhausted in late 2032. This does not mean Social Security will stop but without Congress stepping in it would only have enough money coming in to cover approximately 78% of benefits.

So no, I don’t think you should be panicking.

But I don’t think you should ignore it either.

The real take away from this is that whilst Social Security will still be there, you probably shouldn’t rely on it too much.

Save more than you think you need to, invest sooner than you feel comfortable and keep an eye on what Washington is doing. Don’t rely solely on politicians making the right decisions at the last minute.

As you may need...

A contingency plan for your contingency plan!

26/10/2026

I’ll pay a cleaning fee and want to wrap up my time there as a guest.

The new policy will apply to any bookings made on or from November 20, 2026. Hosts will generally not be able to request guests to strip the beds, do the dishes and put them away or remove the rubbish.

There can be reasonable requests to tidy the property. The rubbish rule is about removing it from the property. There are exceptions to the rule depending on local circumstances.

Respect the property they’re staying at and put rubbish in the right place.

Even getting your family ready, finding the charger under the bed and making sure no-one has left one shoe on the couch is a huge part of the checkout process.

Adding a laundry and resetting the kitchen means your last morning becomes a bit like doing chores.

You should have some freedom from being the clean-up crew when paying a cleaning fee.

26/10/2026

America keeps telling parents to have more kids while making childcare impossible to afford.
Using the federal affordability benchmark, childcare should take up no more than 7% of a household’s gross income.
At today’s prices, that means a family could need to earn more than $100 an hour for infant childcare to technically be considered “affordable.”
That’s over $225,000 a year.
And that’s just childcare.
Not housing.
Not groceries.
Not health insurance.
Not diapers, clothes, formula, activities, or saving for college.
For a lot of families, daycare doesn’t feel like another monthly bill.
It feels like a second mortgage they have to pay just so both parents can keep working

26/10/2026

You can be there all day for your kids and go to bed thinking about those 10 minutes you messed up.

You played the game, replied to the school email, listened to the story that needed a whole explanation of a video game you’ve never played.

But then you lose your temper at bedtime and that is your official review.

Your phone suggests 17 other things you should be doing. Spend more time outside, have better lunches, meaningful traditions. It seems like you need a project manager for your child’s childhood.

Some of it is good advice but can leave you feeling that you are always falling behind if you are already a very hands on parent.

Say sorry, adapt and give yourself a fair go for the rest of the day.

Those 10 minutes won’t undo the hours you were there.

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