If he charges you based on a percentage of assets on a yearly basis he loses if you die a year early.

Hope he realizes that or not much of a planner for his own income.

If I can't buy it at Aldi's, I don't eat.

Don’t you mean on a negative note, your home will be reaccessed and your property taxes will get jacked up.

I agree with you. Things are bad all over the world, but the US is starting to turn the corner.

We also have enough to last us, unless the bottom falls out completely. We would like to leave as much as possible to our kids, so we are usually "frugal" and now is not any different for us. We mostly cook at home, (eat out when we go to Gainesville to the VA Doctor) and that is about all the eating out we do. We typically don't drive much of anywhere, so the gas we drive is for our trips to the doctor - a few times per month.

Many pension plans and SS have built in increases that however only very rarely keep pace with buying power of the dollar, working people have the option of finding employment elsewhere if their employer cannot or will not compete with other business they lose workers , Inflation is and always has been a function of more money chasing the same amount of goods and services, this is controlled by monetary policy and fiscal policy of our government, the money given out by our government to make for a soft landing and ,they said prevent a recession, was too soft causing a rebound in inflation, we now are seeing an inverted yield curve something that historically prestages a recession

Wife and I both came from very poor families, inherited nothing, but worked our socks off to give ourselves a better life.
We look at at inheritance from a different angle, ie. the kids can have anything left over!

covered calls
 

hope you own the stock if you are writing covered calls.

I consider myself semi-retired and will continue to take part-time marketing jobs for websites the rest of my life. The only difference is I don't have to get up at 7:00 in the morning to commute an hour and a half to New York anymore

If you have your money in a savings account you have been losing money your whole life. To make money, you have to invest it. No cd/savings account interest rate will make you money compared to investing it in the market, never had, never will. Last year, I averaged over 35% gain in my portfolio, why would I think of putting my money in a cd that gets 2% or less?
But now isn’t the time to jump all into the market either IMO.
IMO, learning finances at an early age in life is critical so you have enough money in your later years to not have to worry about these inflation periods. If you don’t know how to invest, hire a good person to do it for you but you need to learn what they are doing and why so you can do it yourself in the long run.

Totally agree. Kids(many) today are living much better than we did. We had it hard, often working three jobs to provide for the bills and food on the table. The kids don't even remember and told us that they had a great childhood. My kids are living better than we are, so why should we cut corners just so we can leave them a decent nest egg? Sorry, but we will continue to save only for emergencies and the ability to eat out once a week. Our grocery bill has doubled, and we purchase a lot of store brand products now. And we do have the option to move to an area where we would not have to pay all the fees we pay to live in the Villages. We are on a fixed income, but we have no intention of sacrificing just to GIVE our kids a gift of our dying. What little we could give them would be gone in a flash anyway. My only concern is leaving enough for my spouse to live comfortably and not have to rely on the "kids." Even though life insurance is not the optimum investment, I have enough to provide my spouse with a respectful sustainability. If not used, THEN the kids get what is left over. We were gifted nothing by our parents, except funeral bills but we managed. We won't be leaving our kids funeral bills.
Inflation is aggravating to us that are on fixed incomes.
Food seems to be doubled
Utilities have gone up
Fuel has doubled
Eating out has gone way up
But, we can hang on again and will enjoy a breather eventually, where we will be able to catch our financial breaths before then next economic fiasco.

the increased assessed value of our house was the prime reason our home insurance went up a little this year....not the 'roofing scams'

I never invest in bonds, so my answer is yes to all stocks/index funds. I have in the past invested in hybrid funds where they are more balanced say 50/50 stocks/bonds. They are laggards and not much safer. How have bonds been doing the last few years?
When I was all in in the market before this year, I was 98% in 1 stock and 6 index funds and last year averaged 35% gains.
When things change later this year and I get back in the market, I will buy exactly what I had before.

Sounds like you and I were brought up with similar values

Have slow the traveling.
I had to order cat litter refill trays…..they are up 60%……60% in the last 18 months
This is getting out of control

Swap the cat litter for sandy dirt.
Plenty of that free in Florida.