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	<title>Comments on: Excess Risk Isn&#8217;t Your Only Option</title>
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	<link>http://www.thewisdomjournal.com/Blog/excess-risk-isnt-your-only-option/</link>
	<description>Wise Choices. Improved Finances. A Better Life.</description>
	<lastBuildDate>Wed, 08 Sep 2010 20:06:13 +0000</lastBuildDate>
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		<title>By: financial planner</title>
		<link>http://www.thewisdomjournal.com/Blog/excess-risk-isnt-your-only-option/comment-page-1/#comment-11888</link>
		<dc:creator>financial planner</dc:creator>
		<pubDate>Mon, 12 Oct 2009 16:33:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thewisdomjournal.com/Blog/?p=886#comment-11888</guid>
		<description>Living frugally and saving more early are definitely important. As for a side job, many retirees won&#039;t have a choice. People used to work until they died quite often, it&#039;s only been within the past 50 years of increasing life expectancies that people have dreamed of a 20 year retirement.</description>
		<content:encoded><![CDATA[<p>Living frugally and saving more early are definitely important. As for a side job, many retirees won&#8217;t have a choice. People used to work until they died quite often, it&#8217;s only been within the past 50 years of increasing life expectancies that people have dreamed of a 20 year retirement.</p>
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		<title>By: Ron</title>
		<link>http://www.thewisdomjournal.com/Blog/excess-risk-isnt-your-only-option/comment-page-1/#comment-11859</link>
		<dc:creator>Ron</dc:creator>
		<pubDate>Thu, 08 Oct 2009 22:31:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thewisdomjournal.com/Blog/?p=886#comment-11859</guid>
		<description>&quot;Debt is the biggest enemy to retirement.&quot;
Truer words were never spoken. I guess the best way to think about it is to count up all your non-mortgage expenses like food, taxes, property taxes, utilities, and spending money. If that was all you needed, you really COULD survive on considerably less.</description>
		<content:encoded><![CDATA[<p>&#8220;Debt is the biggest enemy to retirement.&#8221;<br />
Truer words were never spoken. I guess the best way to think about it is to count up all your non-<a href="http://www.thewisdomjournal.com/Blog/go/mortgage.php/" onclick='window.open(this.href); return false;'>mortgage</a> expenses like food, taxes, property taxes, utilities, and spending money. If that was all you needed, you really COULD survive on considerably less.</p>
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		<title>By: Matt</title>
		<link>http://www.thewisdomjournal.com/Blog/excess-risk-isnt-your-only-option/comment-page-1/#comment-11858</link>
		<dc:creator>Matt</dc:creator>
		<pubDate>Thu, 08 Oct 2009 20:52:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.thewisdomjournal.com/Blog/?p=886#comment-11858</guid>
		<description>This is a good post.

Debt is the biggest enemy to retirement.  If you have no debt at retirement (especially if you own your home outright), then you don&#039;t need much money at ALL to retire.

On the other hand, people who are strapped have to work forever (even if they have a lot of money saved).</description>
		<content:encoded><![CDATA[<p>This is a good post.</p>
<p>Debt is the biggest enemy to retirement.  If you have no debt at <a href="http://www.thewisdomjournal.com/Blog/what-retirement-means/" target='_blank'>retirement</a> (especially if you own your home outright), then you don&#8217;t need much money at ALL to retire.</p>
<p>On the other hand, people who are strapped have to work forever (even if they have a lot of money saved).</p>
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