Why I was a disbeliever of the 4% retirement rule!

For those of you not familiar with the 4% rule, it is a general rule of thumb used by financial professionals (or commentators) on a safe annual withdrawal rate during retirement.  The general idea is if you never withdraw more than 4% (I believe the exact rate is 4.2%), in any given year, you will …

Why start a blog?

Why start a blog? Good question and one I am trying to answer myself.  My best guess is my desire to help others and get some thoughts out of my busy mind. Why the name "Grateful Banker", well there is a meaning behind the name, but I will save that for a future blog.  First …