This week, Raghav’s top reads features articles about relationships and retirement. If you’re wondering how to decide who will retire first in your family or if you’re starting to experience health issues and are thinking about exiting the workforce earlier than anticipated in your financial plan, the Personal Finance articles below are for you. Also in Personal Finance, an article exploring the dynamics of the modern day working family and how two incomes can cause issues not experienced by households with single incomes.

In the Personal Interest section, find out why it’s important for CEOs to tell the truth and how hiding information can negatively impact their subordinates. Finally, an interesting read about how thinks about returns.

For more articles like this, check out Raghav’s two previous Top Reads articles here and here.

Personal Finance

Should You Retire Before Your Spouse?

If you’ve been thinking about the order in which you and your spouse will retire, or if you should retire together, this article by Julie Virta at Vanguard may help you to make an informed decision. Virta discusses what she calls the “sweet spot years” – the prime time for tax and retirement planning between ages 60 to 70. She shares six tips to make the most of those 10 years and talks about the adjustments couples may have to make when retiring together or apart.

Read the full article here.

Choosing Health Over Money When Picking a Retirement Date

This article features a couple, Jim and Louise, with a financial plan that would allow them to retire comfortably at ages 70 and 63 respectively. They felt this was a feasible time frame as they were healthy and enjoyed working. But as time went on, Jim began to experience physical problems, including high blood pressure, and made the decision to retire earlier than planned to improve his health. Shortly after Jim’s retirement, Louise began experiencing health issues of her own and decided she too would leave the workforce earlier than dictated in their financial plan.

“There is a trade-off between staying another few years and the time you have left — a question that becomes more poignant and urgent as we get older.”

If Jim and Louise’s situation sounds all too familiar, it may be time to revisit your financial plan. Read more about their story and the adjustments they made to accommodate their unanticipated early retirement here.

Why Two Incomes Aren’t Always Better Than One

Having two incomes in a household may not be as financially advantageous as you’d think. In this guest article by Dr. Derek Tharp, he explores the dynamics of the modern day working family and shares research showing total discretionary income declining in the years that dual earning families became the norm.

A key insight from Warren and Tyagi’s research is that the earning and spending dynamics of dual-income households can make such households more, not less, prone to financial hardship in the event of an income shock.

Read the full article here.

Personal Interest

CEOs: How to Tell the Truth

It can be difficult to figure out whether someone is being honest or just telling you what you want to hear. Oftentimes, in our eagerness to please, we fall victim to the latter without even realizing it. As a CEO or leader, this can be detrimental to your employees and ultimately to your organization.

In this article by Ben Horowitz, he discusses five common organizational challenges that CEOs face and the reason they may not want to tell the truth (e.g. An important executive just quit. If you tell the truth, people will wonder why and if they might have better options too.) Horowitz goes on to explain how to accept the truths that you can’t change and ultimately how to be truthful with your staff without “committing corporate suicide.”

Read the full article here.

How Thinks About Returns

In the startup scene, where profitability is akin to admitting you’ve hit your peak and are preparing for defeat, one VC company is throwing convention out the window. is not so much a venture capital company as a venture partnership company whose values sit squarely on meeting customer needs. Their philosophy truly embraces bringing startups of all sizes to developed, successful businesses.

Learn more about how is throwing traditional venture capital on its head here.



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