Camille Gaines, AFC

What Are Defensive Investments?

Proactive investors buy defensive investments to manage risk, particularly as financial markets become less stable or overvalued.      What are defensive investments? Defensive investments are assets that tend to increase or maintain their value during financial threats such as high inflation, recessions, Black Swans, and bear markets. Defensive stocks, Treasury bonds, T bills, gold, money market funds, puts and …

What Are Defensive Investments? Read More »

Woman Lightbulb | Creative Income Streams

Creative Income Streams

Creative income streams have been the saving grace for my family. I think they can be for millions of retirees willing to think and act outside the box.   In this post I’ll share what I’ve learned after testing and implementing over 15 creative income streams from investing, consulting, online business and real estate along with my husband. While I’m …

Creative Income Streams Read More »

Scale Time Money | Difference Between Cash Flow and Capital Gains 

Difference Between Cash Flow and Capital Gains with Chart

  There are two major reasons you invest; for cash flow or for capital gains. What’s the difference between cash flow and capital gains investing? Cash flow investing buys assets that generate income while capital gains investing buys assets with the expectation they will increase in value.   There are some important nuances with both …

Difference Between Cash Flow and Capital Gains with Chart Read More »

Pencil Questionnaire | Ready for Retirement Quiz

Ready for Retirement Quizzes | 4 Reviewed

Quizzes can be a great way to gain insight and direction quickly.  I scoured the internet for a good ready for retirement quiz for Retire Certain readers. Here is what I found.   The AARP Ready for Retirement Quiz  Like most of the quizzes here, this quiz is more information based than geared toward whether you have enough money saved to retire. Nevertheless, there …

Ready for Retirement Quizzes | 4 Reviewed Read More »

Money Sign | Retire at 55 with 2 Million 

Can You Retire at 55 with 2 Million Nowadays? [Videos]

  Can you retire at 55 with 2 million? The inspiration for this post came from exploring this possibility recently with a wealth coaching client.   Like my client, the answer for you will depend on your expenses, chosen retirement method plus current and future income streams. In this post we’ll address each of these factors.   This question hits close to …

Can You Retire at 55 with 2 Million Nowadays? [Videos] Read More »

man sailing into retirement with income streams

How to Increase Income Before Retirement [With Video Challenge Series] 

It’s stressful knowing that the consistent (and delightful!) monthly deposit into your bank account will end when you retire.  But there are many ways you can increase income before retirement to ease the abrupt end of that sweet reliable employment income. Stock dividends, covered calls, alternative investments, various real estate investments, and even consulting or online …

How to Increase Income Before Retirement [With Video Challenge Series]  Read More »

Burning Franklin | How Long Will a Million Dollars Last in Retirement

How Long Will a Million Dollars Last in Retirement?

A million dollars no longer guarantees a comfortable retirement complete with cruises and luxury cars.   How long will a million dollars last in retirement?   In this post, you’ll see.   The inspiration for this article comes from working with a 55-year-old wealth coaching client who was wondering how long her million dollars would last in retirement. Let’s …

How Long Will a Million Dollars Last in Retirement? Read More »

Piggybank Compare | Wealth Building Vs Income

Wealth Building Vs Income

Wealth building and income generation are the two primary investment objectives. As such, these factors are the starting point for selecting investments.   Is it better to focus on wealth building vs. income as a primary objective? Wealth building is typically the main objective until enough wealth has been accumulated to provide for a comfortable retirement. …

Wealth Building Vs Income Read More »