I've been retired since '08.
A couple of years ago I dumped $500,000 into Keith DeGreen's Capital Management scam.
A Phoenix area "financial advisor" - Sat. mornings on 550 AM, in case you'd like to avoid him.
After 12 months of his taking 1.25% commission on that chunk of cash and his idea of investments, I closed him out.
Got my half mill. minus $1,800.
I make my own investment mistakes now.
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When I bought here in '11, I wrote a check for my 2,600 sq. ft. house on an acre.
Now I only have basic living expenses...including dental floss and dog food (my little private joke).
Oh, and a new Nitecore TM26 flashlight coming from Amazon - I blame our Pelican brother, look 171, for that silly purchase.
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I live fairly meagerly on SS and one small annuity and if I want something that I think I can't live w/o...I take the $$$ out of my slush fund or my Schwab portfolio.
I'd say the biggest threat to an affable galoot such as myself is the whore politicians who tend to phuq up everything for the rest of us.