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Creating a Retirement "Paycheck"

Since retiring in 2007, we typically have withdrawn funds monthly from our taxable accounts to pay for living expenses.   Last year, I decid...

Saturday, August 09, 2025

YMMV

In 2012, I received shocking results that showed I had 4 90+% blockages in my heart arteries.  I took four stents to correct the issue OK, I had high cholesterol and high triglycerides.  I immediately went on a low fat diet advocated by Ornish and Esselstyn.  Their diet results were compelling.  Virtually, every participant lowered their cholesterol and didn't require further treatment.

In 2024, I did a stress test followed by a angioplasty.   The result was 80-90% blockage in the LAD.   I was disappointed.   My strict diet didn't prevent future blockages.  Though disappointed, I realized the YMMV even when one followed all the steps.   I started with robotic CABG but ended up open heart surgery, again contrary to expectations.

Yeah, despite all my actions, the blockages came back.  I came to realize that couldn't control all the factors.

I've concluded the same is true for financial situations.  I  did everything "right."  Then came the Great Recession.  We lost over half our savings.  We recovered, but it wasn't do to our actions.  It was luck and that's why I've concluded YMMV, despite doing all the "right" things.

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

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

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