Money Reflections™
Observations From A Lifetime Study of Personal Finances

June 27, 2019

Three Ways to Pay for Education

There are three ways to pay for your child’s education. Before, During or After. Ideally you save funds before your child goes to school and then you have the assets available. If your income has increased you may be able […]
May 9, 2019

Life Lesson # 1

After many years of studying personal finance I have concluded that every question has the same answer.  The answer is “It depends”. Can I retire early? – It depends.  What are your savings, your current age, your life expectancy, etc.? […]
May 9, 2019

What is Lagniappe?

Lagniappe is a term in Louisiana that means something extra, a freebie, much like the 13th donut in a baker’s dozen.  On this website Lagniappe will be filled with fun stuff and anecdotes that will make your day.  A little […]
April 30, 2019

Taxes are Everywhere

If one were to add up all the taxes you pay you might begin to wonder if there is any money left to save and to fund your goals.  There are Federal and State income taxes, social security taxes and […]
March 28, 2019

The Retirement Sweet Spot

There are many decisions that need to made between the ages of 50 and 70 ½.  These are the ages where lifetime events occur. 50 – Eligible for making additional retirement catch up contributions in addition to the maximum contributions. […]
March 28, 2019

Bond Laddering for All

Frequently, an investor will have cash and they would like to earn additional income without the risk of investing in equities.  An effective investing strategy is to implement a bond ladder.  As an example, if you have $120,000 in cash […]


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– Tennessee Williams