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Home > How I'm Defending My Retirement

How I'm Defending My Retirement

April 29th, 2014 at 06:09 am

(I now blog weekly on frugal living, personal finance & earlier retirement at:
Text is retiredtowin.com and Link is

I would hate having to look for a job because my retirement income has crapped out on me. Or because some huge unforeseen expense has totally ruined my financial plans and left me in need of immediate extra income. So I've done something about it.

I have reduced my basic living expenses down to $15,000 a year.

I have set up emergency cash reserves to cover one year of my living expenses.

I am maintaining several types of insurance to make sure some catastrophe doesn't wipe me out financially.

I have structured my investing to throw off dividend income to cover my living expenses without having to dip into my principal. So it can be held back as another last-ditch reserve.

And more.

All this I discuss in much greater detail on my RetiredToWin.com main blog in a post entitled "My Six Lines of Financial Defense."


# # #

* My Financial Independence Key:
Text is http://retired-to-win.savingadvice.com/2013/12/17/my-financial-independence-key-separating_106169/ and Link is

*** How I Do Frugality Without Sacrifice:
Text is http://retired-to-win.savingadvice.com/2014/04/12/how-i-do-frugality-without-sacrifice_108298/ and Link is

**** A Discretionary Fund, Not a Discretionary Budget:
Text is http://retired-to-win.savingadvice.com/2014/03/29/a-discretionary-fund-not-a-discretionary_107992/ and Link is

***** My High Yield, High Risk Investing:
Text is http://retired-to-win.savingadvice.com/2013/12/20/my-high-yield-high-risk-investing-strate_106216/ and Link is

****** My Unrecoverable Cost of One-More-Year:
Text is http://retired-to-win.savingadvice.com/2014/04/05/my-unrecoverable-cost-of-one-more-year_108143/ and Link is

******* My Stash-Shielding Insurance:
Text is http://retired-to-win.savingadvice.com/2014/04/10/my-stash-shielding-insurance_108254/ and Link is

******** Making Over My Reserves Plan:
Text is http://retired-to-win.savingadvice.com/2014/01/04/making-over-my-cash-emergency-reserves-p_106516/ and Link is

2 Responses to “How I'm Defending My Retirement”

  1. Petunia 100 Says:

    You've done a great job. Kudos to you. Smile

  2. Retired To Win Says:

    Petunia 100 Says:

    "You've done a great job. Kudos to you."

    Thank you, Petunia. But it is not rocket science. Anyone can do it. Wink

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