What Does Bill Murray And Seniors Have In Common?

Bill Murray is a Senior Citizen and He is still working! 

Remember when the financial institutions ran all those ads showing people in retirement and living in the lap of luxury? All those so called financial experts who had done a magnificent job creating wealth for their clients. As a matter of fact I remember an ad where the people even took their financial expert on vacation with them.

What Happened?

Most of the so called financial experts were not right and many lost their life’s savings. Now the financial experts are telling their clients they have to work longer.

It just so happens that it’s a blessing and not a curse. When people retire they have to find things to do other they will wither away. Retirement starts with the retiree going full out playing golf and enjoying life like they dreamed about. Spending time in the lap of luxury without a care in the world.

After several years they start to realize that their money is not going to make it through out their lifetime. They are going to out live their wealth. So they realize that finding a part time job will enable them to have some extra income to offset the loss of wealth that inflation is robbing them of.

The part time job is welcomed because they now have additional income to supplement their retirement. But, another thing is occurring as a side effect of all this and that is they are being active and keeping their minds sharpe. They are forced to work but more importantly they are doing things that will benefit their health later in life.

The La Times ran an article about Seniors who work are healthier then the ones who don’t. They are doing several things at the same time. They are preserving their income as well as preserving their health.

So, many of the financial experts ended up being wrong about wealth creation but the seniors benefited from the extended work to offset their loss. What is the moral, slow down but don’t quit.

I don’t know why Bill Murray is still working but I would guess he still loves it and will continue till he can’t. He is an inspiration to Seniors as well as many high profile people still working. Look at out current United States President, Donald Trump, he is 70 years old and still going like he was 50.

Keep moving don’t quit!


Apple App Site Association

Tim Cook Introducing Apple

Using your iPhone to manage your finances can be very useful.  These are 7 of our favorite apps to help make sure you keep your money as your money:

HomeBudget w/ Sync

Price: $19.99

  • Set up credit and debit accounts and track balances.
  • Set a budget and track expenses for different categories and sub-categories.
  • Create trend chart reports for your expenses, budgets and income for the last 12 months.
  • Use “family sync” feature to allow members of the household to exchange information and work together within a single budget.
  • Very visual and lets shared users see information quickly.


Price: Free

  • Set budgets and track your expenses.
  • Set notifications to remind you of upcoming payments or when you’re about to reach a savings goal.
  • If “location services” feature is turned on, app will automatically identify and categorize the venue of your transaction.
  • Save your receipts with each transaction.
  • Export your data to Excel or back it up with iCloud.



Price: Free

  • View all your personal finance accounts on one screen.
  • Categorize your transactions (groceries, bills and utilities).
  • Create your own budgets and adjust them for different expenses.
  • Receive bill reminders and alerts when approaching a budget limit.
  • App provides you with a free credit score.

Mint Bills & Money

Price: Free

  • View all your bills in one place.
  • Set reminders to notify you when bills are due.
  • Pay bills from inside the app with just a few swipes.
  • Sync your bank accounts with the app to track your expenses and divide spending into categories.
  • Use “Triple Layer Security” to ensure sensitive information is kept safe and secure.

Loan Calculator Pro

Price: $0.99

  • Calculate the monthly payment for different types of fixed rate loans, including home mortgage, auto and credit card.
  • Run “what-if” scenarios for adding payments.
  • Receive amortization tables and view a complete payment schedule consisting of the amount, interest, principal and remaining balance for every payment of the loan.


Price: Free

  • App analyzes your income and spending, finding small chunks of money you can put aside.
  • Moves that small chunk of money from your checking account to a “Digit savings” account.
  • Transfer money from Digit savings back to your checking account with a simple text message.
  • App has a “no overdraft guarantee,” promising to never transfer more money to your Digit savings account then you can afford.

Level Money

Price: Free

  • Plan for necessary expenses and set a savings goal.
  • App informs you of the leftover money, dubbed “Spendable” money.
  • App informs you how much “Spendable” money you have spent each month, and how much you have left to spend with a simple graphic.
  • Track and group expenses, month-to-month or annually
  • Create a daily spending guide to help you stay on track.

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