Retirement – Let’s Practice

Have you ever thought of taking a trial run at retirement?  What???  Yes, try living on your retirement income to the best of your ability.

Determine what your income and expenses will be in retirement.    Could you live within those parameters for 6 months starting now?  How do you feel about this trial?

Are You In Denial When It Comes to Retirement? 

Although many of you might be in denial and refuse to try the trial run, others will dive right in by getting the budget done and living up to that budget for 6 months revealing all kinds of good financial data.

So, what expenditures might have to be cut when you retire, such as expensive vacations, expensive wine, dining out?

How will you feel if this trial doesn’t work too well?  What adjustments to your retirement plan need to happen?  I had one client that said, “As long as I can have my cigars, I can live with any adjustments!” 

Many people want to retire so badly they think they can give up whatever it takes.  But, 1-2 years into it and that determination to stick to a budget goes down the drain.

Journal honestly about this.  This is your private journey.

“An ounce of practice is worth more than tons of preaching.”   – Mahatma Gandhi

Check out other blogs on journaling your goals at


My long career as a CPA and Certified Financial Planner has kept me locked into numbers for a long time. But, over those years, I have come to understand the power of journaling or writing ideas and thoughts on paper. My hope is for one of these books to resonate with you and to provide you the tools to get what you want in life.

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