Author Archives: John Cummuta

I thought it was just a fable, but it’s true!

We’ve all heard the Aesop Fable about the Tortoise and the Hare. A hare ridicules a slow-moving tortoise until the tortoise challenges the boastful rabbit to a race. The hare soon leaves the tortoise in the dust, and is so confident of winning, he stops to take a nap. However, when the hare awakes, he… Continue Reading

How You Retire Determines How Much $ You’ll Need

How You Retire Determines How Much $ You’ll Need

According to an excellent blog article by Financial Advisor, Michael Kitces, there are 3 common ways people retire: An extended semi-retirement Traditional retirement Mini-retirements What’s eye-opening in his presentation is the effect these choices have on how much you’ll need to save, depending on which “retirement” you plan to do. I’ve included one of Kitces’… Continue Reading

What does “WEALTH” mean to You?

What does “WEALTH” mean to You?

We, at SMARTEST Wealth Systems, love acronyms. So, for my high-level answer to this question, I’ll “Acronymize” it. Of course, wealth can mean many different things to each of us. It certainly involves more than money, although that’s most people’s immediate interpretation when the word is used. In this post, I’m going to list 5… Continue Reading

Are You Building a Life…Or Just Renting a Lifestyle?

Are You Building a Life…Or Just Renting a Lifestyle?

It was the mid 1980’s, and life was humming. I had a business that was paying me more in a month than many people were making in a year. I firmly believed I had achieved the American Dream. Ahh, the boundless confidence of inexperience. One Friday our business’ sole supplier called to tell us they… Continue Reading

Your Best Life Is in Your Bubble

Your Best Life Is in Your Bubble

When it comes to your money…it’s not really about the money. I’ve been an entrepreneur for 4 decades, and a personal finance author and educator for more than 25 years. I’ve seen money, and the pursuit of it, from every angle. My conclusion: it’s not about the money. It’s about the life you want to… Continue Reading

Suddenly My Dog Lunges For The Courtyard Gate!

Suddenly My Dog Lunges For The Courtyard Gate!

She’s spooked by someone hurrying past. It’s only Dr. Mark, my neighbor, hoofing it to his nearby practice to start another workday. The dog repeats her performance as a few cars drift by on our normally quiet street. So many people off to work. Not me. I’m sipping coffee and recording this drama for you.… Continue Reading

How to Increase Your Income

If I asked any group of Americans if they believe their lives would be better if they could increase their income, probably 90+% would respond, “Yes!” But, in the reality of our full financial lives, it’s not just how much money we make. It’s how much money we end up with that determines our financial quality of… Continue Reading