Retire Like a Dairy Farmer: How to Never Outlive Your Money

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My parents are living examples of how effectively this model works. When dairy farming no longer produced the cash flow needed to support our growing family, Dad shifted careers. He joined the fire department to have a steady income to provide for Mom and the six of us. He continued to dabble in farming and other jobs on his off-duty days to earn extra money. After our baby sister settled into elementary school, Mom entered the workforce and eventually became a cleaning lady in a large corporate assembly facility while in her early 50s. It was her desire to assist Dad in achieving a more stable financial position in their retirement years.

When we were young, our parents worried about finances, but my five siblings and I never wanted for anything.

Our parents worked hard and retired several years after all of us were off the family payroll. Dad spent 23 years as a first responder, and Mom cleaned the plant for 12 years. They retired, and, while neither of them got a Timex, they both received guaranteed pension payments for their joint lifetimes. Their salaries while working were meager, but they were children of the Great Depression who saved when they could. Each and every month through their retirement years, the pension and Social Security payments were more than sufficient to pay all of their expenses, enabling them to travel, play with their grandchildren, and never worry about outliving their income.

They worked for employers who offered one of the best benefits available. At age 92, he continues to enjoy the perks of days gone by.

IRI Pyramid Illustrates the Balanced Diet of Retirement Savings | PLANADVISER

While some still exist, most employers have eliminated their pension plans and pushed the responsibility of retirement income onto their employees. We have been indoctrinated to believe that a successful retirement outcome is dependent on how well we invest in the market.

Be the first to write a review About this product. About this product Product Information Enjoying retirement in the face of today's uncertainty can be a difficult task. Now, investors have a step-by-step guide to help them properly manage their hard-earned retirement assets in and leading up to retirement - Retire Like a Dairy Farmer. Proper retirement income planning and basic investment strategies will help any retiree create a retirement income that can't be outlived regardless of the market's ups and downs.

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