10 Amazing Retirement Locations, My Podcast Debut, and Living the Hallmark Christmas Movie Experience

Leaf covered path bridge

My mind is definitely wandering toward travel if these links are any indication. I think it’s the knowledge that winter is upon us up north and I will be seeing way more of the inside of my home. This dread coupled with the promise of a vaccine before too long has me thinking about the next trip. What I’ve been reading:


Retirement

Find out where you measure up when it comes to 401k savings – (U.S. News & World Report)

If you reach $1 million in your 401k by the time you retire, you’ll be ahead of the pack by many multiples. Start saving aggressively, and increase the amount every year. If you can meet the 401k max, you’ll be in good shape.

 

The top 10 countries to retire in – (Business Insider)

Have you ever dreamed about retiring overseas? It’s never too early to start scoping out potential locations.


Investments

I had the privilege of joining Kyle Hill, CFP®, on his podcast – Personal Finance from the Hill-Top. We talk about the basics of stocks, bonds, diversification, and more.


Travel

It’s going to be a long winter – embrace it! – (The Washington Post)

“Friluftsliv…translates to open-air living and exemplifies the tradition of making time outdoors part of daily life — whatever the season.” Take it from the Norwegians, because they know how to do cold. When you get tired of the indoors this winter, make the outdoors your friend.

19 hotels you’ll want to book just for the bathtub – (The Points Guy)

I haven’t take a bath in 40 years. Yes, I said it! I’m solidly in the shower camp, but I could change my mind if I had these views.

Towns to visit in Pennsylvania if you want to feel as if you’ve been dropped into a Hallmark Christmas Movie – (Travel Awaits)

This might not be the best year for a Hallmark Christmas Movie experience, but save this link somewhere special, and when travel conditions improve, you’ll have a Christmas destination mapped out.


If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

 

 
 
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    How Much Do You Need to Retire (and Travel), What Makes You Happy in Retirement, and Soup – Links

    Path bridge through the woods with leaves turning colors

    Now that Halloween and Election Day have passed, is it too early to put up the Christmas tree? The old stand-by of waiting until Thanksgiving is over doesn’t seem to make sense in 2020. 

    The most common question I hear from people who reach out to my firm is – “How much do I need to retire?” I walk you through the process for do-it-yourselfers who want a quick answer. Also included below, the best of what I’ve been reading on retirement, travel, and, yes, soup. 


    Retirement

    How Much Do I Need to Retire (and Travel Like Royalty)? – (PBF)

    I walk you through a quick-and-dirty way of coming up with your number, using readily available online retirement calculators. If you’ve ever asked yourself – “How much do I need to retire?”, this is the article for you. If you enjoy traveling, I also discuss why it’s crucial to incorporate travel expenses into your budget before and after retirement.

    Over 55? Your retirement is more uncertain than ever before – (Forbes)

    It’s a warm and fuzzy feeling when you have a well-developed comprehensive financial plan. That is until your age 65 retirement suddenly, and without your consent, is forced upon you a decade early. Moral: always plan for retirement conservatively, erring on the side of an earlier than expected retirement. You may not have to retire at 55, but it’s nice to be prepared if it’s forced upon you.

    What makes you happy in retirement according to financial advisors? – (U.S. News & World Report)

    No earth-shattering surprises here, but a good reminder that it’s a mix of financial and social factors that will make you happy in retirement. If you ignore either side, your happiness will likely suffer.


    Travel

    Holiday Travel Report – (ThePointsGuy)

    Are you traveling for the holidays? Mix a little Mad Max with ER. Ok, it’s probably not going to be that bad, but I have to imagine stress will be elevated even more than usual, and everyone will be concerned about health.

    Financial Independence / Abbreviated Retirement – (New York Pilot)

    Think mini-retirement coupled with life-changing adventure. I believe we’re going to see a huge spike in this once the coronavirus is under control. We are all learning the valuable lesson of not waiting to do things you love. Do it now; you might not have a second chance.


    Soup

    26 soup ideas for the upcoming winter from around the world – (MSN)

    It’s that time of year! Are you ready to get your soup on! If you’re looking for ideas, here are 26 recipes to keep you warm.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    A Haunted Hotel, How to Deal With an Unexpected Retirement, and 34 of the Best Travel Podcasts – Links

    The figure of death walks across a pathbridge

    The next week is going to be action-packed with Halloween and the election. Take some time this weekend, turn off the onslaught of political ads, and enjoy the first full moon in 76 years! Enjoy it while you can, because you’ll be waiting for nineteen years to see the next one. Happy Halloween!


    Retirement

    “Paying too much attention to politics can be harmful to your wealth.” – (Forbes)

    Elections can be stressful times, and the stock market has a history of volatility during times of perceived uncertainty. However, if you’re investing for the long haul, you have nothing to worry about.


    Unexpected Retirement – (Vanguard)

    Unfortunately, many people don’t work as long as they had planned – especially given today’s coronavirus-fueled layoffs. Vanguard has put together a solid list of steps to take if this happens to you.


    Early Retirement – Steps to Take – (Forbes)

    Planning is easier when it’s broken into two phases – pre and post-retirement.


    Travel

    Staying in a Haunted Hotel – The Terror and the Humor – (PBF)

    Happy Halloween! Ever stay in a haunted hotel all alone? This is my story.


    34 of the best travel podcasts – (Travel Massive)

    If you’re looking for a travel podcast, I got you covered!


    Would you fly if everyone on the plane is tested for COVID before takeoff? – (CNBC)

    A vaccine would be fantastic, but small things like rapid-results testing add up and might be just as important to getting life back to normal.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    The Problem with Living on Social Security Alone, Longevity and Retirement Savings Disconnect, and Missing the Airport – Links

    A wooden bridge spans a small brook with colorful trees in the background

    I know you have other things on your mind right now, but don’t forget about retirement planning. If your only income is from social security, it’s going to be a lean ride.

    Are you missing the airport? Yeah, me too. There’s something about the energy, the potential, the anticipation of the next adventure.


    Retirement

    Can you live on social security alone? – (USA Today)

    Of course, it depends. But if you do, don’t expect much extravagance in your life. How you can supplement your retirement savings.


    The retirement savings disconnect – (Barrons)

    “Americans’ optimism about their longevity comes at a time when planning for retirement has become more complex.”

    Along with this longevity comes a healthier and more active retirement. Make sure your savings keep up with this new reality.


    Travel

    A lifelong traveler takes a journey inward – (The Washington Post)

    I hope that we will be able to travel, interact with, and witness the world again shortly. When we do, it will certainly seem strange. But when has travel not been strange?


    There’s a second wave of COVID-19, so be careful where you travel – (Chriselliotts.com)

    Use common sense and avoid crowds. The article contains some useful links if you’re researching a location. It’s going to be a long winter, folks.


    Missing the airport – (The Points Guy)

    I miss the buzz of an airport. I miss the mass of people in motion to see loved ones or going on vacation. I miss the anticipation of far-flung destinations. Now, if I could only get there without going through a metal detector.  


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    The Vanlife, the Emergency Fund and Struggling to Save for Retirement – Links

    3 Arch Path bridge in Greece, surrounded by fall trees

    Retirement

    Your friend and mine – the emergency fund – (PBF)

    Why start an emergency fund? My article for the week.


    How to avoid RMD mistakes – (Yahoo Finance)

    You’ve finally made it to retirement, and you’re looking forward to spending the hard-earned money you’ve been collecting for decades. Leave it to the government to make it a royal pain in the butt – the complexity of RMDs.


    Americans are struggling to save enough for retirement – (Forbes)

    Only read this if you have a strong stomach. The synopsis – you need to take retirement planning and savings into your own hands as the traditional aids such as pensions are disappearing. I can’t emphasize enough to save aggressively from a young age because you are ultimately responsible for your retirement standard of living.


    Francisco Cervelli retires – (CBS Sports)

    Francisco Cervelli was more than a catcher for the Pittsburgh Pirates; he was a colorful character the fans loved. I have no doubt it was the same in New York, Atlanta, and Miami. Some of his best years were spent with the Buccos, and I was fortunate to see him play more than a few times. His energy was always high, and his love of the game was always apparent. You didn’t need to be a Pirates fan, or a fan of baseball at all, to be swept up in his enthusiasm and fun-loving spirit.

    Unfortunately, he battled concussions throughout his time in baseball, and his retirement announcement is at least partially the result of this struggle. Cervelli has decided to put his health before his career, and I applaud him.

    I keep thinking that the current pandemic will go away one day, and everything will return to near-normal. However, as time goes by, the further away from our old normal we get. One thing that we won’t see is the ever-smiling Francisco Cervelli playing baseball.

    Good luck, Francisco!


    Travel

    The #VanLife – (TDAmeritrade)

    Have you been dreaming of the vanlife in retirement?


    Travel contests – (theLuxuryTravelExpert)

    Who doesn’t love free stuff! Ok, I’m usually not one to start signing up for free things on the internet, but I think this pandemic is taking its toll. The majority of these are only for U.K. residents, but there are a few in there for everyone else. A couple of free nights in Rome and five all-inclusive nights in Antigua jumped out at me. Caveat – don’t blame me if you get overwhelmed with emails after entering one of these.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    Don’t Wait to Save for Retirement and Can You Have Too Much Travel Insurance? – Links

    Stone path leading to a castle

    Retirement

    Common retirement mistakes – (The Retirement Manifesto)

    The danger of waiting to save for retirement is clear as 48% of retirees retired earlier than expected. This can lead to some significant shortfalls in the retirement bucket, including the travel portion. The moral of this story is to save often and early.


    What to do if you’re near retirement and get laid off – (Forbes)

    All too many people are suffering through untimely layoffs during the pandemic. Here’s what to do if you take this opportunity to retire. The same moral as above applies.


    Travel

    Resource Guide for Travelers – (PBF)

    I put together a comprehensive resource guide for travelers trying to decide when to hit the road again. If you’re like me, you’ve been ready for months. 


    How do you know if you have too much travel insurance? – (Forbes)

    There are thousands of articles telling you to load up on travel insurance, but only a handful that will walk you through the process of determining if you have too much. It was great to have the chance to contribute to Christopher Elliott’s article.


    30 of the Best Nature Views in the World – (TheSuiteLife)

    There’s no better place for social distancing than nature. And while you’re out there, it’s nice to have an unforgettable view. Of course, “out there” in this instance appears to be some rather posh digs, but beggars can’t be choosers.


    Are you aching for a road trip? Every state’s restrictions on interstate travel – (ValuePenguin)

    If you are like me, you’re dreaming about fall road trips. Unfortunately, not everyone wants you to visit their state. Here are each state’s restrictions.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    How Not to Screw Up Your HSA or Social Security, and Dogs May Help Us Travel Again – Links

    A wooden pathbridge fords a creek green field

    Retirement

    Beware the Bucket List – (PBF)

    Most people mention travel as one of the main things they would like to do in retirement, yet 67% don’t budget for it. If you’re a traveler, this lack of planning can be devastating to either your retirement savings or your retirement travel dreams. 


    No one tells you this about taking social security early – (fedsmith)

    This is why you need a financial advisor! (Extreme bias here.)


    In your 50’s? Time to reassess your retirement plan – (CNBC)

    You’re running out of time to course-correct.


    Not investing HSA funds is a huge mistake – (USA Today)

    An HSA could be one of the best retirement accounts in your arsenal.


    Travel

    Coronavirus sniffing dogs – (AP News)

    A vaccine would be fantastic, but until then, steps like this will go a long way to getting us back to some sort of “normal” travel environment. I wonder if it would be possible to just walk around all day with one of these dogs?


    Travel wipes out ethnocentricity – (The Washington Post)

    I have been a huge fan of Rick Steves ever since my first trip to Europe. His guides are never afraid to offer an opinion – a good interview during the pandemic.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    The Best Revenge is Traveling Well, Moving in Retirement and Travel Trends for Fall – Links

    A small Japanese Garden bridge with a lush green background

    Retirement

    Living an upscale lifestyle on a Social Security budget – (CNBC)

    Is COVID-19 making you want to retire, but your retirement savings are lacking? Retiring abroad is an option. A list of things to consider before making the move.


    The 5 Biggest Mistakes Made by Travelers Planning for Retirement – (PBF)

    There are plenty of landmines on the path to retirement, but these five are especially relevant to travelers. 


    Moving in retirement – housing decisions to consider – (CNBC)

    A thoughtful article about retirement and the critical decision-making process regarding where to live. Retirees discuss their experiences and share their conclusions. 


    Travel

    How boomers are dealing with Covid-19 and the loss of freedom – (nextavenue)

    This is exactly why you shouldn’t wait to travel and mark items off your bucket list.


    The best revenge is living traveling well – (The Points Guy)

    I think the Points Guy is spot on. 2021 could be a huge year for travel. I hope I’m lucky enough to take out my revenge on 2020 through a phenomenal trip for the ages.


    Travel trends for the fall – (Travel Pulse)

    There is no doubt – people are ready to travel. In fact, 59% of travelers are ready to jump on an international flight. I know! Seems high, but I’ll take their word for it. Trends for the rest of the year and 2021. 


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    Travel Insurance, Bridges That Breath Fire, and Medieval Wine Windows – Links

    Dragon bridge in Vietnam. The sky turns pink and purple in the distance, the dragon bridge in the foreground

    Retirement:

    Travel insurance for seniors – (Forbes)

    What kind of travel insurance is crucial in retirement? I’ve got you covered…my quote in Forbes.


    Try not to be pessimistic about retirement – (The Motley Fool)

    Your financial plan should allow you to sleep soundly. If not, it’s time to revisit your plan.


    Creating a retirement budget – (the balance)

    One of the most important steps in determining when you can retire is to put together a detailed retirement budget. If you’re a traveler, make sure to include those bucket-list items that can be significant.


    Housing

    What it’s like to buy a house in a pandemic – (Bankrate)

    If you’re one of the many Americans looking for a new home (my hand is raised), you will find this article interesting. Three families discuss their experience. 


    Travel

    I went on my first trip since the pandemic started and here is what it was like – (PBF Blog)

    My first trip since the pandemic started was just what I needed. My account of easing back into travel.


    Simply planning a trip can work wonders for your mental state – (Travel to Wellness)

    I knew it! So there’s a reason I enjoy planning a trip tremendously…science!


    Medieval ‘wine windows’ are reopening in Italy – (New York Post)

    When the world gives you lemons…spruce up your Medieval wine window.


    Considering the whole bridge theme here at PathBridge Financial, how come I’ve never heard of the Dragon Bridge in Danang, Vietnam? There are many ways to describe a bridge: scenic, powerful, tranquil, but firebreathing!?! Cap tip to Kara and Nate for introducing me to this water spitting, firebreathing structure.


    Off the beaten path in South America – (Travel Pulse)

    It may be because I had a Patagonia jacket when I was a little kid, but I’ve always been fascinated with the area.


    Would you like to receive the PathBridge Financial newsletter? You’ll receive about 4 emails a month. My promise, only the best stuff and never any spam.

     
     
  •  

     

    Financial Advisor David Tuzzolino

     

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel. 

    Retirement Spending and How Much Uber Drivers Make in Your City – Links

    Forest PathBridge

    Retirement:

    Spending before and after retirement can be filled with apprehension. However, the best way to relieve yourself of this dread is to plan ahead and know what is likely to be important and what isn’t. If there was only someone who could help you with this stuff…hmm. (Shameless plug.)  


    What you should and shouldn’t spend money on in retirement – (next avenue)

    There is typically an initial three-to-five-year period of retirement “jubilation,” where many retirees overspend, often with more frequent travel as they start checking off their “bucket list” goals, Jenkin said. That’s usually followed by a longer period of “stabilization” — when spending normalizes for the next decade or so. Jenkin calls the last spending period the “five-mile radius,” when older retirees mostly stay closer to home and their spending (except for health care) typically decreases.


    Expenses that go away in retirement – (Curtis Financial Planning)

    Ann felt fortunate about being able to retire at 60 after working 10-hour days for many years. However, as the date approached last year, she felt apprehension about ending her salary income. She knew that a portion of her daily spending while working was mostly for convenience, but she never took the time to figure out how much. 


    It’s never too early to start a Roth IRA even if you’re a teenager – (the free financial advisor)


    The Gig Economy

    How much do Uber drivers make in your city? – (Small Business Trends)

    If there is one company that symbolizes the gig economy, it is Uber. The issues the company has with its drivers and how much they make highlights the growing pains of the gig economy. Speaking of how much they make, a new report from Zippia looks at where in the U.S. Uber drivers make the most and least money.

    Author Kathy Morris says you can make a good wage in some cities, but in others, you will be better of working at McDonald’s. 


    Credit Cards

    January is a good time to review your credit card choices – (Frugal Travel Guy)

    I used to carry the Chase Sapphire Reserve card for dining and travel at 3X with a value in my mind of 1.5 cents per point. I recently product changed back down to the Sapphire Preferred card at 2X dining as I have enough cards with travel credits and at a net cost of $150 when you take away the $300 travel credit, I think I’m getting more out the Gold card.


    Travel

    January cold often gets me dreaming about the beach: the best places to stay in Seychelles – (Wild Junket)

    Empty beaches, spearmint blue water, pristine jungles and lost world islands: Seychelles really is a fabled paradise that lives up to its name. Picture-perfect beaches abound, backed by lush green hills, swaying palm trees and larger-than-life boulders. Centuries-old giant tortoises roam freely, while elegant birds fly overhead.

    To help you plan your perfect Seychelles itinerary, I am sharing my tips on where to stay in Seychelles and the best Seychelles hotels on each island.


    I’m not sure if this should go under investing, retirement, or travel – buying a home in Italy for $1 – (CNN)

    Bisaccia, a picturesque destination in Italy’s southern Campania region, is putting 90 dilapidated buildings on the market for one euro, joining other places across Italy trying to save dying communities by incentivizing people to move there.


    Would you like to receive the PathBridge Financial newsletter? You’ll receive about 4 emails a month. My promise, only the best stuff and never any spam.

     
     
  •  

     

    Financial Advisor David Tuzzolino

     

    David Tuzzolino, CFA, CFP®, is a Pittsburgh, PA fee-only financial advisor. He is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are within 15 years of retirement.