Yes Subra, I agree with you I need X amount for retirement, after all you may end up spending a fortune on medical expenses during retirement ——-Most people tell me this. Wrong. You may or may not spend much on medical expenses (hey I am not saying you do not need medical insurance). I am […]

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Last week I was speaking to one of the bright kids I work with. For practical purposes let us call him George Orwell. This kid (25 years old)  was born in 1984 and has just started on a nice salary. He spends well but can put away a nice amount on a regular basis, but […]

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