Don’t rely on government: Retirement Is Still Your Job

| December 21, 2025

Every so often I run across another article reminding us that Social Security may not look the same in the future as it does today (one was in TheStreet.com highlighting Dave Ramsey). That should surprise exactly no one. Yet many Americans still talk about Social Security as though it were a full retirement plan rather […]

Explaining How Tax Cuts Will Affect You by Dave Ramsey

| January 28, 2018

Delivering commonsense “tough love” clarifications and explanations of financial issues has always been a Dave Ramsey strength. After the Trump administration finally moved their tax plan through congress, Dave offered a 10 minute explanation as to whether it was a good thing or a bad thing. If you are steeped in years of seeing things […]

At least with the ACA we all have affordable healthcare #sarcasm

| September 7, 2017

Obviously the "promises" made by the Obama administration, and the Democrats who passed the Affordable Care Act (ACA), have failed us … and the current GOP controlled congress have failed to fix, repeal or replace (their promise if elected). Who in middle class America can afford health insurance at $1000/mo with a $12,900 deductible?  As […]

Desultory - des-uhl-tawr-ee, -tohr-ee

  1. lacking in consistency, constancy, or visible order, disconnected; fitful: desultory conversation.
  2. digressing from or unconnected with the main subject; random: a desultory remark.
My Desultory Blog