Judy Ann Michael
I am not going to work until I die!
That’s my rallying cry. I have been a professional for the last 30 years, having performed consulting projects at 50 companies and over 100 hospitals. Yet despite my coast-to-coast travels, I’ve led an imperfect financial life. I’ve been married, divorced, overworked, and overlooked. I’ve been a daughter, caretaker, good friend, and mom to four dogs. I enjoyed my life, but what did I end up with? No retirement money.
After watching my career and finances dissolve over the last three years, I’d had it. The traditional lifestyle of working and saving wasn’t working nor was I saving anything for retirement. Sound familiar? The more I dreamt about retirement, the further off it seemed to be.
I am a bit of a numbers and financial geek, so I decided to take a deep dive and research retirement issues. And frankly, none of the facts and figures made sense to me. Conventional advice says you need to be a millionaire to retire, yet less than 10% of Americans have reached that milestone. The same advice says that you will need $40,000 a year in income to live. Who are they kidding? What happens if you live in an expensive urban area or have aging parents, adult children or grandchildren to support? A mere $40,000 won’t cut it.
I also discovered that Social Security and traditional social safety nets for the elderly are disappearing. If you were planning to depend on the government, your spouse, or your kids to help you as you age, it probably won’t happen. They are not going to be there in the future. It’s more important than ever to have your own nest egg, understand your costs, create more income and pave your own path for the future.
Out of desperation and necessity, I created the DIY Retirement Planning system. It’s a passion of mine. It’s why I write books. It’s why I coach people. I want you to be prepared for retirement. I want you to be in control of your money. I want you to understand the numbers behind what you spend and what you need to save.
I want you to wake up and smell the coffee, before it’s too late!
And that’s why I’m sharing the DIY Retirement Planning system with you. My life is about sharing my knowledge to make other people’s lives better. What makes my life better? My friends, my family, my home, and my dog. It’s the simple things. I just want to make sure that I continue to enjoy my life but have enough money for the future. And I wish the same for you, too.
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