Adam Chapman
@adamchapman519.bsky.social
Helping retirees intentionally die with less. | Founder of www.yesmoney.ca | Hugger of trees | Self-proclaimed black sheep
Pinned
Adam Chapman
@adamchapman519.bsky.social
· Nov 18
People think "getting into investing" means learning how to trade.
When, in reality, it's picking an index fund and learning how to save.
When, in reality, it's picking an index fund and learning how to save.
Legalized Theft = Disrupt the market + The poor panic + The rich buy it all—on sale.
April 9, 2025 at 8:32 PM
Legalized Theft = Disrupt the market + The poor panic + The rich buy it all—on sale.
Just remember, narcissists never admit when they are wrong.
April 7, 2025 at 12:36 AM
Just remember, narcissists never admit when they are wrong.
When saving is the goal, the obstacle between you and saving money is you.
When it's finally time to spend money, the obstacle is still you.
When it's finally time to spend money, the obstacle is still you.
March 28, 2025 at 5:38 PM
When saving is the goal, the obstacle between you and saving money is you.
When it's finally time to spend money, the obstacle is still you.
When it's finally time to spend money, the obstacle is still you.
Retirement is a whole new stage of life—one the path to retirement doesn't prepare us for.
I'm so pleased Meera Ramen took the time explore the kind of planning available beyond traditional portfolio management.
Thanks to @theglobeandmail.com for sharing.
www.theglobeandmail.com/investing/pe...
I'm so pleased Meera Ramen took the time explore the kind of planning available beyond traditional portfolio management.
Thanks to @theglobeandmail.com for sharing.
www.theglobeandmail.com/investing/pe...
Financial adviser or life coach? The growing hunger for advice on retirement’s ‘softer side’
More retirees are expecting financial advisers to help them navigate the emotional side of retirement
www.theglobeandmail.com
March 10, 2025 at 4:16 PM
Retirement is a whole new stage of life—one the path to retirement doesn't prepare us for.
I'm so pleased Meera Ramen took the time explore the kind of planning available beyond traditional portfolio management.
Thanks to @theglobeandmail.com for sharing.
www.theglobeandmail.com/investing/pe...
I'm so pleased Meera Ramen took the time explore the kind of planning available beyond traditional portfolio management.
Thanks to @theglobeandmail.com for sharing.
www.theglobeandmail.com/investing/pe...
I once spoke with a retiree with $2M in savings. When she asked her advisor, ‘How do I start drawing income in retirement?’ he replied, ‘Why would you take money out?’
He manages her investments but has no plan for her retirement income—and worse, refused to help create one.
He manages her investments but has no plan for her retirement income—and worse, refused to help create one.
February 11, 2025 at 3:12 PM
I once spoke with a retiree with $2M in savings. When she asked her advisor, ‘How do I start drawing income in retirement?’ he replied, ‘Why would you take money out?’
He manages her investments but has no plan for her retirement income—and worse, refused to help create one.
He manages her investments but has no plan for her retirement income—and worse, refused to help create one.
Before retirees buy a big insurance policy, remember, if you're healthy enough to qualify for insurance, you're healthy enough to use the money instead of leaving more behind.
My latest collaboration with Globe Advisor.
www.theglobeandmail.com/investing/gl...
My latest collaboration with Globe Advisor.
www.theglobeandmail.com/investing/gl...
Life insurance is a useful estate planning tool, but purchasing a policy in retirement isn’t for everyone
Clients often use life insurance to help heirs cover the capital gains tax on a family cottage or other asset after their death
www.theglobeandmail.com
February 10, 2025 at 2:36 PM
Before retirees buy a big insurance policy, remember, if you're healthy enough to qualify for insurance, you're healthy enough to use the money instead of leaving more behind.
My latest collaboration with Globe Advisor.
www.theglobeandmail.com/investing/gl...
My latest collaboration with Globe Advisor.
www.theglobeandmail.com/investing/gl...
You reach a point in life when saving money isn't your problem, it's spending it.
We simply call this stage retirement.
We simply call this stage retirement.
February 9, 2025 at 4:42 PM
You reach a point in life when saving money isn't your problem, it's spending it.
We simply call this stage retirement.
We simply call this stage retirement.
When @thewallstreet.bsky.social quoted me as saying, "If you die with a lot of money, it means you sacrificed too much and lived too small," commenters bashed the sentiment as reckless.
They're not wrong...
They're not wrong...
February 3, 2025 at 10:52 PM
When @thewallstreet.bsky.social quoted me as saying, "If you die with a lot of money, it means you sacrificed too much and lived too small," commenters bashed the sentiment as reckless.
They're not wrong...
They're not wrong...
A few advisors have asked how to complete the special LIF unlocking I posted last week.
Here's what you need for your back office and clients.
Here's what you need for your back office and clients.
January 19, 2025 at 9:10 PM
A few advisors have asked how to complete the special LIF unlocking I posted last week.
Here's what you need for your back office and clients.
Here's what you need for your back office and clients.
When someone suggests they can help you "get smarter with investing," what do you imagine they're going to share?
January 14, 2025 at 5:34 PM
When someone suggests they can help you "get smarter with investing," what do you imagine they're going to share?
Living off your retirement assets is a difficult adjustment.
Ease the leap from earning a salary to spending your savings with this simple trick. ⬇️
Ease the leap from earning a salary to spending your savings with this simple trick. ⬇️
January 13, 2025 at 7:11 PM
Living off your retirement assets is a difficult adjustment.
Ease the leap from earning a salary to spending your savings with this simple trick. ⬇️
Ease the leap from earning a salary to spending your savings with this simple trick. ⬇️
Imagine paying taxes on a tax bill you didn't need to incur to avoid a tax change that never happened...
financialpost.com/personal-fin...
financialpost.com/personal-fin...
Prorogation kills capital gains tax changes
Justin Trudeau's move to step down and prorogue parliament has killed changes his government proposed to capital gains. Read for more
financialpost.com
January 6, 2025 at 6:20 PM
Imagine paying taxes on a tax bill you didn't need to incur to avoid a tax change that never happened...
financialpost.com/personal-fin...
financialpost.com/personal-fin...
My 2025 Resolution... Buy even more books I won't have time to read.
January 2, 2025 at 3:48 PM
My 2025 Resolution... Buy even more books I won't have time to read.
Retirees with a LIF that received double-digit investment returns in 2024 have a RARE opportunity to unlock a large chunk of their LIF accounts. ⬇️
January 1, 2025 at 5:38 PM
Retirees with a LIF that received double-digit investment returns in 2024 have a RARE opportunity to unlock a large chunk of their LIF accounts. ⬇️
Family and finances never mix... unless you're trying to spend your hard-earned retirement dollars. 🧵
December 31, 2024 at 5:22 PM
Family and finances never mix... unless you're trying to spend your hard-earned retirement dollars. 🧵
Ending 2024 with a feature in The Wall Street Journal alongside top retirement income researchers David Blanchett and Michael Finke is pretty damn cool.
Thanks, Anne, for including me. I had a blast sharing one of the many reasons retirees struggle to spend the money.
www.wsj.com/personal-fin...
Thanks, Anne, for including me. I had a blast sharing one of the many reasons retirees struggle to spend the money.
www.wsj.com/personal-fin...
Even Rich Retirees Fear Outliving Their Money
Spending makes retirees happier. Many are afraid to do it.
www.wsj.com
December 30, 2024 at 6:58 PM
Ending 2024 with a feature in The Wall Street Journal alongside top retirement income researchers David Blanchett and Michael Finke is pretty damn cool.
Thanks, Anne, for including me. I had a blast sharing one of the many reasons retirees struggle to spend the money.
www.wsj.com/personal-fin...
Thanks, Anne, for including me. I had a blast sharing one of the many reasons retirees struggle to spend the money.
www.wsj.com/personal-fin...
Morning coffee tastes better when you have retirement income guaranteed to last as long as you do.
December 30, 2024 at 6:21 PM
Morning coffee tastes better when you have retirement income guaranteed to last as long as you do.
Gamblers at the casino know the odds are stacked against them, but investors seem to think they have a strong chance to beat the markets.
They’re almost always wrong.
“He is haunted by the rising price of bitcoin—and the riches that could have been his, he said.”
www.wsj.com/finance/stoc...
They’re almost always wrong.
“He is haunted by the rising price of bitcoin—and the riches that could have been his, he said.”
www.wsj.com/finance/stoc...
More Men Are Addicted to the ‘Crack Cocaine’ of the Stock Market
Gamblers Anonymous meetings are filling up with people hooked on trading and betting.
www.wsj.com
December 20, 2024 at 12:06 PM
Gamblers at the casino know the odds are stacked against them, but investors seem to think they have a strong chance to beat the markets.
They’re almost always wrong.
“He is haunted by the rising price of bitcoin—and the riches that could have been his, he said.”
www.wsj.com/finance/stoc...
They’re almost always wrong.
“He is haunted by the rising price of bitcoin—and the riches that could have been his, he said.”
www.wsj.com/finance/stoc...
So much time is wasted trying to analyze the markets instead of doing the one thing that matters—putting money in the markets.
December 14, 2024 at 10:51 PM
So much time is wasted trying to analyze the markets instead of doing the one thing that matters—putting money in the markets.
Retirees end up spending less over time, because they're afraid to make inflationary adjustments to their income payments.
Instead, retirees restrict their spending to the confines of the income they receive, reducing their spending in real terms over time.
Instead, retirees restrict their spending to the confines of the income they receive, reducing their spending in real terms over time.
December 13, 2024 at 6:39 PM
Retirees end up spending less over time, because they're afraid to make inflationary adjustments to their income payments.
Instead, retirees restrict their spending to the confines of the income they receive, reducing their spending in real terms over time.
Instead, retirees restrict their spending to the confines of the income they receive, reducing their spending in real terms over time.
Reposted by Adam Chapman
When selling their business, I see the concept of a Vendor Take-Back loan, which makes many business owners stop and ask, "Why would I let them pay for my business with my money?"
I get it. You own a business, and it produces x free cash flow.
I get it. You own a business, and it produces x free cash flow.
December 9, 2024 at 6:44 PM
When selling their business, I see the concept of a Vendor Take-Back loan, which makes many business owners stop and ask, "Why would I let them pay for my business with my money?"
I get it. You own a business, and it produces x free cash flow.
I get it. You own a business, and it produces x free cash flow.
Financial planners tie the HOW to your WHY.
Money decisions can be mentally taxing, even when you've done the research and know your options.
This is where financial planners can help in ways the internet can't.
They explain why, for your situation, one option is better than the rest.
Money decisions can be mentally taxing, even when you've done the research and know your options.
This is where financial planners can help in ways the internet can't.
They explain why, for your situation, one option is better than the rest.
December 9, 2024 at 7:31 PM
Financial planners tie the HOW to your WHY.
Money decisions can be mentally taxing, even when you've done the research and know your options.
This is where financial planners can help in ways the internet can't.
They explain why, for your situation, one option is better than the rest.
Money decisions can be mentally taxing, even when you've done the research and know your options.
This is where financial planners can help in ways the internet can't.
They explain why, for your situation, one option is better than the rest.
Many people plan their finances as if retirement is the finish line. 👇
December 3, 2024 at 3:13 PM
Many people plan their finances as if retirement is the finish line. 👇
This is Charlotte, doing what most retirees are afraid to do–cut a big cheque to charity BEFORE they die.
To add all those zeros, she had to overcome her own fears first. 👇
To add all those zeros, she had to overcome her own fears first. 👇
November 29, 2024 at 7:30 PM
This is Charlotte, doing what most retirees are afraid to do–cut a big cheque to charity BEFORE they die.
To add all those zeros, she had to overcome her own fears first. 👇
To add all those zeros, she had to overcome her own fears first. 👇