20 Year Treasury Yielding 5%

I'm buying the 20 year Treasury since it's yielding 5%.  Yeah, there are risks with locking up money that long.  Inflation could increase significantly.  The U.S. government could default. 

A worst scenario for our retirement is the 20 year Treasury yield goes down for a long period to 1% as it did in 2020, or hovers around 2.5% as it did from  2012 to 2019.   That would reduce our retirement income significantly.

I am ok with the risk that interest rates go up, even if it is to 7-10%, since I don't think it would be more than for a couple years, which is survivable.  And we would still have some cash to invest at those higher rates.

For more on Strategies and Plans, check back every Monday  for a new segment.

This is not financial, investment nor fixed income advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Buy the "Right" Stock and Hodl

"It's hard to make predictions, especially about the future." ~ Yogi Berra

One way stock investors make millions is to have a future great stock and hold, even when it declines 50% or more several times.   I would have been a millionaire several times over if I had never sold APPL, AMZN, and GOOGL, all of which I owned at least 100 shares in their early days.  

However, back then was still working and I was particularly sensitive to volatility of my stock investments.  All three stocks fell after I purchased them and took several months or even a year to recover and be positive gains.  By then, I was anxious about not losing money and sold for a only about a 10-15% profit. 

Ah, would've, should've, could've.

Of course, there are some formerly great stocks that dropped and took years to recover past their previous highs.  Examples include:  GE, CSCO, and INTC, all of which just exceeded their previous all time high from 26 years ago during the dot.com bubble in 2000.   Then there are the great stocks that crashed and stayed low or went to zero: Pets.com and Inktomi are examples.

So finding those future great stocks is a big challenge.

It seems that most people that make big gains are from stock in the company that employed them, examples include Bill Gates, Jeff Bezos, Warren Buffet, and Elon Musk.  A small factoid is that Bill Gates would have been trillionaire if he had kept all his MSFT stock, instead of diversifying based on Buffet's recommendation.  For me, great returns have been hodling my company stock which I owned through an ESOP, but definitely not as big as Gates, Bezos, Buffet and Musk.   

For my kids accounts, I may try to buy a few potential great stocks for them and hodl.  However, for the majority of the account, I will invest in US and International Stock Index funds which routinely hodl the best stocks and cull out the worst.

For more on Strategies and Plans, check back every Monday for a new segment.

This is not financial, stock picking, nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Kids Grow Up Fast

Yesterday, my 13 year old son wanted to ride his bike to the local grocery story, about 2 miles away on the sidewalk.  I offered/requested to do his first ride with him since there are 4 lane streets to cross at intersections.  He vehemently declined to have me accompany him, three times.  Yes, I had ridden with him to the crossing a couple times, but we hadn't crossed.

I still think of him as needing us to help him with everything.  Obviously, he doesn't, despite me advising he should have a backpack to carry purchase, and a lock for his bike, which neither he had considered.

Still, I let him go on his own.  He texted me when he arrived and he made it home OK.

Yep, he is growing up!  I still remember when we adopted him as a 1 year old like it was yesterday.  Time goes by so fast.

For more on  New Beginnings, check back every  Sunday for a new segment.

This is not financial nor parenting advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Can AI have other Benefits than Productivity?

People always talk about how AI increases productivity.  I think AI can make a bigger difference in society, without eliminating jobs.   What if AI can be use to prevent crimes and significantly improve health.  Here are my proposals:

• Detect, Identify and Prevent Internet/Phone/Email scams against the elderly.
  
  
• Detect, Identify and Stop Fraud against bank accounts.
  
  
• Identify and Propose Cures for both frequent and rare diseases.

Maybe I'm way off base, but I haven't heard much about the above opportunities for using AI and was just wondering.

For more on Reflections and Musings, check back every Saturday for a new segment.

This is not financial, fraud/scam protection, health nor AI advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Best Post Retirement Education I Received

After I retired, I was given a $5000 to use towards post retirement training, which excluded golf lessons.  I chose to use my grant towards the following at a local vocational school and a local community college:

• Plumbing - It was an intro course to be an apprentice plumber.   I learned how to make many simple repairs, such as changing faucet stems, and attempted to learn soldering copper tubes.  I didn't pass the soldering part.  One takeaway that I had was to have a local shutoff valve for all faucets and appliances.  When adding new faucets, I always insist of having a local shutoff valve.  It has be a saving factor when I had a faucet leak that could be isolated by the local shutoff valve instead of using the whole house shutoff.
  
  
• Electrical - This was also an intro course to being an apprentice electrician.  Being taught the basics of wiring fixtures and switches safely was great.  I used this skill many times in our home.  The second best part was getting a list of must have tools to be a DIY electrician.
  
  
• Masonry - My key learning in this one is that I shouldn't attempt any big projects in this area.   I did horribly as laying brick.   My only venture in this area is to occasionally repair damaged mortar. 
  
  
• Real Estate - I though being a real estate agent might be a good part time retirement job.  I took a course at a local community college to learn the material to pass the licensing course.   Although the course material was good, I didn't take the test.  I learned that being a part-time agent requires paying a number of fees to keep the job.   It was a money losing proposition unless I sold at least a couple houses a year.  I decided to pass.
  

In addition, I got some useful free education through one post retirement job.

• Tax Professional -  This was actually a part time job that provided education for employees. While the pay was minimum wage plus commission, the real benefit was the tax education I was able to take at no additional cost.  I achieved the highest level tax advisor at the firm which qualified me to handle most tax returns.   I did this for about 5 years before "retiring."    The education and experience I received has helped me immensely in doing my own tax returns and in deal with the IRS and state tax agencies when necessary.

Overall, I've been able to put my post retirement education towards many DIY projects around the house.

For more on Reaping the Rewards, check back every Friday for a new segment.

This is not financial, education, tax, nor retirement jobs advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Hodling My "Buy the Dip" Software Stocks

Ouch, ouch!

My "buy the dip" software SAAS stocks are taking a big hit today, anywhere from 7-18% down.   Service Now (NOW) reported earnings yesterday that disappointed.  I'm underwater on all my software "buy the dip" stocks, but I'm not going to panic sell at this point.  I think their devastation by AI is over exaggerated and they will recover, although it may take longer than I expected.  I'm HODLing at this time.

In the past, I would not have been so calm with this level of volatility.  I would have high anxiety.   This time, I waiting out the volatility and not getting worried, for a few reasons.  First, we don't have significant funds invested in these stocks.  Second, our accounts are still producing income for our monthly retirement paycheck.  Third, I still expect these purchases will profitable in the future.

After this round of "buy the dip," I'm going to avoid buying any new stocks on a dip, though I may still trade these stocks.   That way, I limit the number of individual stocks I need to watch, as I sell off these buy the dip stocks for a profit, hopefully.  It's taking more time and effort than I intended to manage these "buy the dip" stock purchases.

If I were in my 20s now, I would primarily invest in mainly total market index funds since I expect these index funds to go up over the longer term.    I wish I had that confidence when I was 20 something, instead of starting to have it now that I'm retired.

For more on Crossing Generations, check back every Thursday for a new segment.

This is not financial nor stock investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

A Car Feature I Would Rather Not Have

My first car was basic.  Radio, single strap seat belts, manual windows, manual mirrors and cigarette lighter.  No A/C nor airbags. The only amenity was automatic transmission. 

There has been a lot of amenity creep since my first car.  Electric windows, electric mirrors, ABS brakes, cruise control,  air bags, CD players, blue tooth, which we have in our newest 2012 car.   While I don't really "need" some of these, I am willing to have then.   We still don't have GPS nor car cameras.

However, one feature we have that I view as unnecessary, because of the cost to replace when it stops work.  That feature is the pressure monitor for tires.  Recently, the warning light went on for low tire pressure.  I checked all four tires and they were at target pressures.   It turns out the battery for one sensor had gone dead.  Cost to replace at the dealer?   $260 for one or $740 for all four, since all are likely to fail soon also.  Huh?  That's almost the coast of replacing 4 tires with top of the line tires.

In all my years of driving, I only had couple times that a tire pressure sensor would have been helpful.  In one case, I drove a couple miles with a flat tire that occurred at my home.  In another case, I had a flat tire in a parking lot and called AAA to change the time, which took about an hour of wait time. Otherwise, I generally have slow leaks due to a nail and I discovered the issue way before it is flat.   

My only other direct experience with a tire pressure sensor was on a rental car that flashed a warning when we drove to a mountain top in Hawaii.  The cold temperatures caused the tire pressure to go down, but the sensor didn't go off immediately when we got back to sea level.  In this instance, it showed which tires were low.  Quite annoying for a few days since we didn't have easy access to capability to put air in the tire.

If I could eliminate this feature on our next new car purchase, I would.  For reference, I did find a less expensive replacement option: Costco will replace the sensor batteries for about $60 dollars a tire and they don't charge for the initial inspection.

Disclosure: I was not compensated by Costco for this post.

For more on Crossing Generations check back every Thursday for a new segment.

This is not financial nor car amenity advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Lotto Option Bets on Possible President Trump Stock Support

Currently, investing based on President Trump's actions and tweets seem to be the norm.   Traditional fundamental and technical analysis don't have much capability for assessing value of individual stocks anymore. It seems vibe investing based on expected President Trump's tweets or TACOs yield good results.

IMHO, President Trump is in tune with what his supporter and non supporters want.  I'm guessing that he will do some executive orders to attract non supporters for the midterms.   Here are two specific areas:

• He may make marijuana a schedule III classification, down from a schedule 1 classification.  This would potential increase the value of marijuana growing companies.
• He my support EV vehicles more,  which would help EV related stocks such as battery and charging station companies.

I own some marijuana growing companies and EV battery companies.   I may buy some call options on this stocks in addition with less than $50 total as a lotto bet..

Disclosure::We own shares of SNDL, TLRY, SLDP, TSLA and EVGO.   We also own January 2027 expiration call options for SNDL and EVGO.

For more on The Practice of Personal Finance check back every Wedenesday for a new segment.

This is not financial, investment, stock options, nor stock picking advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

2026 tax brackets

Now that our 2025 tax returns are filed, I'm getting an early start on our 2026 estimated return.  Below is the article and table that I am referencing for 2026.

What Are Federal Income Tax Rates for 2025 and 2026?

For more on The Practice of Personal Finance, check back every  Wednesday for a new segment.

This is not financial nor tax advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

If It's Tuesday, There will Be a TACO

President Trump extended the deadline for the Iranian ceasefire, after the market closed. I expect stocks to pop in the pre-market and at the open on Wednesday.

Tomorrow may be volatile.   An opportunity to buy or sell.  I'm planning to hold unless that is a major movement, either way, on one of my positions.

For more on Ideas You Can Use, check back every Tuesday for a new segment.

This is not financial nor investment advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC