Some say the world will end with fire.

Others say with ice.

From what I've tasted of desire

I hold with those that favor fire.

But if I had to perish twice,

I think I know enough of hate,

To say that for destruction ice,

Is also great and would suffice.

Robert Frost


"Good things come to those who wait, but, only the things LEFT by those who hustle." - Unknown (at least by me)

"Life is wonderful, without it you are dead." - Hy "Pete" Peterson - Park City and Kenecott Miner

"Don't worry about those people in your past---there is a reason they are not in your present." - Unknown

"Life's tough - it's even tougher if you're stupid." - John Wayne

"The only place success comes before work is in the dictionary!" - Vince Lombardi

"If you aren’t living on the edge, you’re probably taking up too much space.” ~ Attributed to Jim Whittaker by Doug ‘Swani’ Swantner, Alaska Smokejumper and Air Attack Base Manager (Ret.)

About Me

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I am married and have seven children and twenty grandchildren. I retired January 1, 2010 after working 39+ years for the Forest Service...NEW CHAPTER IN MY LIFE HAS BEGUN!

Friday, November 20, 2009


I decided today to vent about my lack of retirement planning and maybe that will help some of the young ones that read my blog to figure out that the time to start putting money away for retirement was a few months ago - not a few months in the future.

If you start when you are 21 and put money away for retirement consistently at 10% of your salary you will be able to retire with a lot of money. I firmly believe that you should pay 10% of your salary to the church first then pay 10% to your own savings/IRA/ROTH or whatever you are doing to save for retirement. If you can't put away 10% put something away and don't touch it---DO NOT TOUCH THIS MONEY---NOPE---NOT FOR ANYTHING. In addition to this you need to put $500.00 minimum into an account for emergencies--$1000 is better but $500 will cover nearly 95% of emergencies. I believe that if you can't do this you are living beyond your means and need to figure out a way to either cut your spending or increase your earnings. Those are the only two ways to fix this.

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