Spamdex - Spam Archive

Report spam

Send in your spam and get the offenders listed

Forward the spam you receive to

Also in

Free Money Finance

Free Money Finance

Five Signs You're Spending Too Much in Retirement

Posted: 21 Nov 2016 02:05 AM PST

Investopedia lists five signs you're spending too much in retirement as follows:

1. You don’t know how much you should be spending.
2. You're spending more than 6% of your savings per year.
3. You're paying too much to service your debts.
4. You're displaying evidence of a “cut loose” mindset.
5. You aren't supporting your excess spending with a side job.

If any of these apply to you, you're probably financially not ready to retire.

With that said, here's my take on the above:

1. Before you even THINK about retiring (or maybe the split second after you do), you need to develop a retirement budget. It should include income and expenses so you can see if you really have enough to retire. I'm wondering, do people really retire and not know this how much they plan to spend?

2. Even if you're spending 5%, it's a red flag. Unless, that is, you have a really solid plan for why it's not a problem.

3. Uh, you shouldn't have any debts when you retire. In fact, you should have everything paid off well before you retire.

4. This is just a symptom caused by #1. You must know what you can spend and as long as you're within that amount, you'll be ok. But if you don't know, then you're in trouble from the get-go.

5. Same as #1. You have to make the numbers balance somehow.

If you want some better direction, check out this post on retirement math.


All titles, content, publisher names, trademarks, artwork, and associated imagery are trademarks and/or copyright material of their respective owners. All rights reserved. The Spam Archive website contains material for general information purposes only. It has been written for the purpose of providing information and historical reference containing in the main instances of business or commercial spam.

Lets beat spam together
Many of the messages in Spamdex's archive contain forged headers in one form or another. The fact that an email claims to have come from one email address or another does not mean it actually originated at that address!
Please use spamdex responsibly.

Yes You! Get INVOLVED - Send in your spam and report offenders

Create a rule in outlook or simply forward the junk email you receive to | See contributors

Google + Spam | 2010- 2017 Spamdex - The Spam Archive for the internet. unsolicited electric messages (spam) archived for posterity. Link to us and help promote Spamdex as a means of forcing Spammers to re-think the amount of spam they send us.

The Spam Archive - Chronicling spam emails into readable web records index for all time

Please contact us with any comments or questions at Spam Archive is a non-profit library of thousands of spam email messages sent to a single email address. A number of far-sighted people have been saving all their spam and have put it online. This is a valuable resource for anyone writing Bayesian filters. The Spam Archive is building a digital library of Internet spam. Your use of the Archive is subject to the Archive's Terms of Use. All emails viewed are copyright of the respected companies or corporations. Special thanks: We would like to thank Benedict who is a SEO Consultant who has freely given up his time to advise us on how best to maximise on our organic search traffic strategy and also for his wonderful creative vision on how to spread the word about Spamdex and how we try to combat spam across the globe. Click here for more information.

Our inspiration is the "Internet Archive" USA. "Libraries exist to preserve society's cultural artefacts and to provide access to them. If libraries are to continue to foster education and scholarship in this era of digital technology, it's essential for them to extend those functions into the digital world." This is our library of unsolicited emails from around the world. See Spamdex is in no way associated though. Supporters and members of Helping rid the internet of spam, one email at a time. Working with Inernet Aware to improve user knowlegde on keeping safe online. | Link to us | Terms | Privacy | Cookies | Complaints | Copyright | Spam emails / ICO | Spam images | Sitemap

Important: Users take note, this is Spamdex - The Spam Archive for the internet. Some of the pages indexed could contain offensive language or contain fraudulent offers. If an offer looks too good to be true it probably is! Please tread, carefully, all of the links should be fine. Clicking I agree means you agree to our terms and conditions. We cannot be held responsible etc etc.

The Spam Archive - Chronicling spam emails into readable web records

The Glass House | London | SW19 8AE |
Spamdex is a digital archive of unsolicited electronic mail 4.8 out of 5 based on reviews
Spamdex - The Spam Archive Located in London, SW19 8AE. Phone: 080000 0514541.