Every now and then I read an article and think “Wow, I wish had written than”. I’m sure I’m not alone.
Recently I came across this article from Safal Niveshak, which is part tribue to Jonathan Clements, and part ode to simplictiy.
Money Is Simple. Why Do We Make It Complicated?

My favourite passage:
“A simple equity fund, a fixed-income option, and plain insurance are enough for most of us. But the industry thrives on multiplying choice because that’s how assets are gathered.

Times have changed. Six months ago, ten minutes of sitting still felt impossible, I got restless very easily. Since retiring, I can happily sit in the sunroom for an hour simply watching the clouds float by. I actually find it very therapeutic. It reminds me of my ten-year-old self, drifting off watching clouds from the classroom window instead of doing my work.
I keep coming back to this topic. Having time that’s truly mine has changed something fundamental in me.

I’ve heard it many times, it’s all over social media. I earned my Social Security benefits, I paid for them.
We certainly paid taxes (actually under a separate law) to fund Social Security and all its benefits beyond retirement income, but we did not pay for OUR benefits. 
According to SSA actuaries and Congressional Budget Office studies:

A typical medium-wage worker retiring at full retirement age (66–67) usually recoups their own payroll contributions within about 3–5 years of collecting benefits.

This is  just in case you missed it. 
Dave Lancaster was kind enough to post all the information for Jonathan’s memorial on Saturday, November 8: 
https://humbledollar.com/forum/information-on-jonathans-memorial-service/
He also asked if there was interest in HDers meeting for pizza at Pizzeria Vetri on Chancellor St on Friday 11/07. I would sure like to put faces with the names of my HumbleDollar friends. I hope you can add your name to the list.

LARRY ELLISON, THE 81-YEAR-OLD cofounder of Oracle Corporation, recently became the world’s wealthiest person.
Oracle, a software company, isn’t nearly as large as its peers. So how did Ellison’s net worth manage to surpass that of Bill Gates, Jeff Bezos and the founders of other much larger companies?
The answer is simple: In the nearly 50 years since Oracle’s founding, Ellison has almost never sold a share of his company’s stock. According to an analysis by Smart Insider,

IMAGINE YOU ARE already doing all things possible to minimize your taxes:

You are maxing out your pre-tax 401k
You do tax loss harvesting
You did tax efficient placement
You are maximizing Roth IRA through Backdoor Roth

But what other strategies can you use to minimize taxes? You also might not want to start a business or buy real estate.
Another option that many people aren’t aware of is the cash balance plan (CBP).

Ah, retirement. That grand, glorious moment when I traded the frantic pace of business ownership for… well, for whatever mischief I could inflict on my wife Suzie. I don’t like spreadsheets, the temptation to take a stab in the dark when your spreadsheet adverse is strong.
It’s easy to do, isn’t it? You look at your savings, you subtract a few zeros, and you just decide—right there, in a sudden burst of confidence—that you can safely withdraw,

Within the archives of HD is this comment:
“I built a spreadsheet and proved that the math worked for me and my wife with our facts and assumptions.”
Making assumptions means accepting something as true or certain without proof, often based on your own beliefs, past experiences rather than on concrete evidence. You can’t prove an assumption, but you can test it. 
The exact subject associated with the above comment, is not important. Suffice to say though that it related to lifetime retirement income security –

Significant changes to tax law took effect in 2018. I heard some interesting comments from clients. Some didn’t believe taxes went down because their refunds didn’t increase. To be fair, taxes did go down for most people, but so did tax withholding from paychecks, keeping many refunds level with prior years. I guess people didn’t notice the extra take home pay. 
The other thing I sometimes heard was that they thought their tax return would fit on a single piece of paper.

When I first started investing, my father-in-law, a longtime investor, gave me advice that echoes in my mind almost every day: “It is a business.”
At first, it sounded simple, maybe even boring. But the truth is, that advice has kept me from making a lot of mistakes. It runs contrary to the old adage, “Set it and forget it.” A business owner doesn’t forget their business. They know their numbers, track results, and adjust when circumstances change.

The daughter of a close family friend got married a few months ago. My wife Suzie and I recently had dinner at the newlyweds’ home. It was a lovely evening hearing the details of their honeymoon to New York and onward to Mexico.
Being a keen observer of the human condition, although Suzie suggests I’m just nosy, I couldn’t help but notice the material abundance this couple starting out in life have already acquired. It’s a stark contrast to our own humble beginning to married life.

The information below was gleaned from William Perry’s post of the obituary published on Legacy.com by Logan Funeral Home, Inc earlier today.
A Memorial Service will be held on November 8, 2025 at 11:00 am at:
St. Peter’s Episcopal Church
313 Pine Street
Philadelphia, PA 19106
A light luncheon reception for family and friends will follow at:
The Hill-Physick House
321 S. 4th Street
Philadelphia, PA 19106
(A three-minute walk from the church)
My question is: Are any readers planning on attending?

Jonathan Clements Obituary
Obituary published on Legacy.com by Logan Funeral Home, Inc. – Philadelphia on Sep. 26, 2025.

I thought many of the readers of Humble Dollar would want to google and read the published obit.

Dear Bogdan, would you please send your email address to the HD writers group? There are times when we need to reach you, such as when WordPress holds a new piece whenever it has embedded web links.
Best,
-David

Prompted by Mark’s thread I’m having a bash, although I’m sure that this will be a subject that’s been covered before.
Having lived experience  to wherever you’re at now and with the superpower of hindsight (not to be spent on putting every cent you theoretically had in 1980s and subsequent into Apple) what are the key things you’d say to your younger self at say the following points:
i) Starting out in the serious working world at age 21ish
ii) Into middle age and pre-retirement working life at say 45-50
iii) On the cusp of retirement or making the decision of when to go
iv) 5 years into retirement