The couple had made every mistake you could: retired too early, spent too much, took on too much house and too much debt. “This is killing me,” Jill told their new advisor (me), as she burst into tears.
Jack and Jill left their well-paying jobs in their late 50s, with little idea how they would pay for a long retirement. With anguished faces, they came to me, a financial advisor, for a solution. As a financial advisor, my solution was tough love, and since they were at their wit’s end, they were open to hearing it.