Helping retirees intentionally die with less. | Founder of www.yesmoney.ca | Hugger of trees | Self-proclaimed black sheephttps://bsky.app/profile/adamchapman519.bsky.socialhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lmftjohxxc24Legalized Theft = Disrupt the market + The poor panic + The rich buy it all—on sale.09 Apr 2025 20:32 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lmftjohxxc24https://bsky.app/profile/adamchapman519.bsky.social/post/3lm6pqynvik2yJust remember, narcissists never admit when they are wrong.07 Apr 2025 00:36 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lm6pqynvik2yhttps://bsky.app/profile/adamchapman519.bsky.social/post/3llhe6tiuk22bWhen saving is the goal, the obstacle between you and saving money is you. When it's finally time to spend money, the obstacle is still you.28 Mar 2025 17:38 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3llhe6tiuk22bhttps://bsky.app/profile/adamchapman519.bsky.social/post/3ljzxafwbpk2wRetirement is a whole new stage of life—one the path to retirement doesn't prepare us for. I'm so pleased Meera Ramen took the time explore the kind of planning available beyond traditional portfolio management. Thanks to @theglobeandmail.com for sharing. https://www.theglobeandmail.com/investing/personal-finance/retirement/article-financial-adviser-or-life-coach-the-growing-hunger-for-advice-on/10 Mar 2025 16:16 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3ljzxafwbpk2whttps://bsky.app/profile/adamchapman519.bsky.social/post/3lhvx37vkvk2tI once spoke with a retiree with $2M in savings. When she asked her advisor, ‘How do I start drawing income in retirement?’ he replied, ‘Why would you take money out?’ He manages her investments but has no plan for her retirement income—and worse, refused to help create one.11 Feb 2025 15:12 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lhvx37vkvk2thttps://bsky.app/profile/adamchapman519.bsky.social/post/3lhtelc4xkc23Before retirees buy a big insurance policy, remember, if you're healthy enough to qualify for insurance, you're healthy enough to use the money instead of leaving more behind. My latest collaboration with Globe Advisor. https://www.theglobeandmail.com/investing/globe-advisor/insurance/article-life-insurance-is-a-useful-estate-planning-tool-but-purchasing-a/10 Feb 2025 14:36 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lhtelc4xkc23https://bsky.app/profile/adamchapman519.bsky.social/post/3lhr36etgvk2gYou reach a point in life when saving money isn't your problem, it's spending it. We simply call this stage retirement.09 Feb 2025 16:42 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lhr36etgvk2ghttps://bsky.app/profile/adamchapman519.bsky.social/post/3lhcn25ttzs25When @thewallstreet.bsky.social quoted me as saying, "If you die with a lot of money, it means you sacrificed too much and lived too small," commenters bashed the sentiment as reckless. They're not wrong...03 Feb 2025 22:52 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lhcn25ttzs25https://bsky.app/profile/adamchapman519.bsky.social/post/3lg4qcllfjc2yA few advisors have asked how to complete the special LIF unlocking I posted last week. Here's what you need for your back office and clients.19 Jan 2025 21:10 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lg4qcllfjc2yhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lfprwmxylk2uWhen someone suggests they can help you "get smarter with investing," what do you imagine they're going to share?14 Jan 2025 17:34 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lfprwmxylk2uhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lfngv2zqtk2mLiving off your retirement assets is a difficult adjustment. Ease the leap from earning a salary to spending your savings with this simple trick. ⬇️13 Jan 2025 19:11 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lfngv2zqtk2mhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lf3qr677222gImagine paying taxes on a tax bill you didn't need to incur to avoid a tax change that never happened... https://financialpost.com/personal-finance/taxes/prorogation-kills-capital-gains-tax-changes06 Jan 2025 18:20 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lf3qr677222ghttps://bsky.app/profile/adamchapman519.bsky.social/post/3lerggpcv3n24My 2025 Resolution... Buy even more books I won't have time to read.02 Jan 2025 15:48 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lerggpcv3n24https://bsky.app/profile/adamchapman519.bsky.social/post/3lep43smbul24Retirees with a LIF that received double-digit investment returns in 2024 have a RARE opportunity to unlock a large chunk of their LIF accounts. ⬇️01 Jan 2025 17:38 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lep43smbul24https://bsky.app/profile/adamchapman519.bsky.social/post/3lemkpxspxs24Family and finances never mix... unless you're trying to spend your hard-earned retirement dollars. 🧵31 Dec 2024 17:22 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lemkpxspxs24https://bsky.app/profile/adamchapman519.bsky.social/post/3lek7nowzjc24Ending 2024 with a feature in The Wall Street Journal alongside top retirement income researchers David Blanchett and Michael Finke is pretty damn cool. Thanks, Anne, for including me. I had a blast sharing one of the many reasons retirees struggle to spend the money. https://www.wsj.com/personal-finance/retirement/retirement-spending-longer-life-savings-4b511053?st=hDuTWE30 Dec 2024 18:58 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lek7nowzjc24https://bsky.app/profile/adamchapman519.bsky.social/post/3lek5lgogak24Morning coffee tastes better when you have retirement income guaranteed to last as long as you do.30 Dec 2024 18:21 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lek5lgogak24https://bsky.app/profile/adamchapman519.bsky.social/post/3ldqdx2h3ac2bGamblers at the casino know the odds are stacked against them, but investors seem to think they have a strong chance to beat the markets. They’re almost always wrong. “He is haunted by the rising price of bitcoin—and the riches that could have been his, he said.” https://www.wsj.com/finance/stocks/stock-market-trading-apps-addiction-afecb07a?st=Ub2vZb&reflink=article_copyURL_share20 Dec 2024 12:06 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3ldqdx2h3ac2bhttps://bsky.app/profile/adamchapman519.bsky.social/post/3ldcf6iobws2jSo much time is wasted trying to analyze the markets instead of doing the one thing that matters—putting money in the markets.14 Dec 2024 22:51 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3ldcf6iobws2jhttps://bsky.app/profile/adamchapman519.bsky.social/post/3ld7gnxl3kk2xRetirees end up spending less over time, because they're afraid to make inflationary adjustments to their income payments. Instead, retirees restrict their spending to the confines of the income they receive, reducing their spending in real terms over time.13 Dec 2024 18:39 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3ld7gnxl3kk2xhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lcvhpjvjls2vFinancial planners tie the HOW to your WHY. Money decisions can be mentally taxing, even when you've done the research and know your options. This is where financial planners can help in ways the internet can't. They explain why, for your situation, one option is better than the rest.09 Dec 2024 19:31 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lcvhpjvjls2vhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lcfwhlltuc2fMany people plan their finances as if retirement is the finish line. 👇03 Dec 2024 15:13 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lcfwhlltuc2fhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lc4cxpvjyk2bThis is Charlotte, doing what most retirees are afraid to do–cut a big cheque to charity BEFORE they die. To add all those zeros, she had to overcome her own fears first. 👇29 Nov 2024 19:30 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lc4cxpvjyk2bhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lc3kqj6b4s2eIt's a pretty cool day for a retiree when they realize they've withdrawn more from their retirement portfolio than they contributed to it.29 Nov 2024 12:16 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lc3kqj6b4s2ehttps://bsky.app/profile/adamchapman519.bsky.social/post/3lbuxfqghg226Investors lose more money to poor decision-making than anything else. Fixing the problem is as simple as removing the humans making decisions.26 Nov 2024 21:14 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lbuxfqghg226https://bsky.app/profile/adamchapman519.bsky.social/post/3lbq3wzbdek2jBased on my personality type, I shouldn't be a financial planner. 👇24 Nov 2024 22:52 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lbq3wzbdek2jhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lbpfh5o6ak2hRetirement is when we expect to spend more time with family. By the time we arrive, our parents are elderly, and our kids are busy building the stage we’re trying to exit. Time never cooperates the way we believe it will.24 Nov 2024 16:10 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lbpfh5o6ak2hhttps://bsky.app/profile/adamchapman519.bsky.social/post/3lbn3zhfhes2sAt 26, I thought rentals were an excellent way to build wealth. I hated every minute of it. I couldn't handle how people treated my property in ways I never would. What works for some people didn't work for me. I'm happy to say I'm now a passive investor. There are far fewer headaches.23 Nov 2024 18:16 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lbn3zhfhes2shttps://bsky.app/profile/adamchapman519.bsky.social/post/3lbkozfa43k2xFinancial plans are not a forecast of your future. They are projections of future possibilities to help guide your actions today.22 Nov 2024 19:18 +0000at://did:plc:pg2cpshgynw5alerndim7brc/app.bsky.feed.post/3lbkozfa43k2x