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Prior Planning: Thank You, Mom

May 12, 2025 By E.J. Smith - Your Survival Guy

By HN Works @ Adobe Stock

Happy Monday, I hope you had a nice Mother’s Day weekend. If I had to come up with a phrase to help you live the retirement life you deserve, it would have to be prior planning.

When I was a kid, my mom would do the vacation planning. We were able to take some great trips. She was a schoolteacher, and my dad worked for himself as a realtor, meaning we had time to travel as a family, especially in the summers. We did plenty of sailing trips. But one year we traveled the country in a Winnebago, and when we asked how they knew where we were going next, she would always say, “prior planning.”

I’m sure you did the same with your family. Why stop in retirement? You want to prior plan for what you will need and what you want to do in retirement. Planning doesn’t need to be a chore. It can be part of the fun. When you visualize doing what you want to do and living your “best” life, you’re thinking about taking action, and that’s huge.

Is Your Family Prepared for the Next Disaster? Click Here to Survive and Thrive

Inertia is a mighty foe. There are always reasons to push stuff off to tomorrow. And at times, that may be the right decision. But it needs to be what you want. Survive. Keep your money, and you keep your freedom to choose.

Action Line: A more difficult task to overcome in retirement is how to spend money. If you need a travel guide, email me at ejsmith@yoursurvivalguy.com. And pick up a map for your journey by clicking here to subscribe to my free monthly Survive & Thrive letter.

Originally posted on Your Survival Guy. 

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E.J. Smith - Your Survival Guy
E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

Click here to sign up for my free monthly Survive & Thrive letter.
E.J. Smith - Your Survival Guy
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