What if I told you that dividends are not all they are cracked up to be? That doesn’t mean they are necessarily bad.

Paydays are special. Whether it is every other week, twice a month, or weekly, we all have that day circled on our mental calendars. Then retirement happens, and everything changes. One of the most significant challenges that retirees face is determining how much money to withdraw from their savings each year while ensuring that they do not run out of money. In this article, we will look at different options for retirees that need to replace their income.

At its core, TA is the study of supply and demand as expressed through price. Without needing to take an Econ 101 course, most people understand the basic idea of supply and demand. Where supply and demand meet, we arrive at what price gets paid at that moment in time for a stock, bond, commodity, etc. There are humans on both sides of the transaction, so the study of price also incorporates a lot of human behavior tendencies.

The banking system is built on trust, and things can get messy once that trust erodes. The government has taken steps to alleviate concerns about other similar banks, but nobody truly knows how this will play out, which can be unsettling. However, this is nothing like 2008 which saw our largest financial institutions with truckloads of bad loans on their books from making questionable lending decisions. This is not the first time something like this has happened, and it won’t be the last.