The Means AND the Ends

The Means AND The Ends is the recognition that "getting there" is at least as important as where you're going. These posts are a curated collection of articles I've written as well as interesting finds that can be serious, humorous, and sometimes skeptical about investing and saving for retirement while being mindful that we must enjoy the ride all along the way.

Woman protests with sign: "hands off my social security".

Senators introduce bipartisan plan to tackle Social Security insolvency – CBS News

Financial Planning, Retirement, Social Security

A bipartisan group of senators introduced a bill on Tuesday designed to shore up Social Security’s finances in the coming decades and prevent future benefit cuts for the 70 million Americans who rely on the program.

The bill comes after last month’s annual Social Security trustees’ report projected that the program’s retirement trust fund could become insolvent by 2032, earlier than initially forecast. If that occurs, it would trigger a 22% across-the-board benefit cut

Source: Senators introduce bipartisan plan to tackle Social Security insolvency – CBS News

Senators introduce bipartisan plan to tackle Social Security insolvency – CBS News Read Post »

stainless steel cooking pot beside white ceramic bowl

Store Butter at Room Temperature With These Butter Bells and Crocks

Health & Fitness, Lifestyle

Contrary to popular belief, butter doesn’t have to be refrigerated. According to the Food and Drug Administration (FDA), it’s safe to leave butter on the counter if it’s been pasteurized and has enough fat and salt mixed in to inhibit bacterial growth. While whipped and reduced-fat butters should never stray far from your refrigerator door for long, a stick of salted butter can feel perfectly at home on your kitchen counter for an extended period of time.

Source: Store Butter at Room Temperature With These Butter Bells and Crocks

Store Butter at Room Temperature With These Butter Bells and Crocks Read Post »

yellow Volkswagen van on road

The Best U.S. Road Trips for Every Decade of Your Life

Lifestyle, Travel

A road trip is one of the most memorable ways to see the United States. When you’re in charge of your transportation, you have the freedom to design your trip to your exact preferences and pace. You can make as many pit stops and detours as the day allows, and you have the ability to tailor the adventure to your travel style.

That said, some road trips naturally lend themselves to specific life chapters more than others. In your 20s, you might not mind roughing it a bit; in your 40s, you may value a balance of adventure and luxury. And in your 70s and beyond, you might prioritize more relaxed destinations and a generally slower itinerary. 

To find the best U.S. road trips for every decade,

Source: The Best U.S. Road Trips for Every Decade of Your Life

The Best U.S. Road Trips for Every Decade of Your Life Read Post »

How Wealthy Retirees Can Overcome Their Fear of Spending | Kiplinger

Behavioral Finance, Financial Planning, Retirement

Some of the most financially anxious retirees aren’t the ones who failed to save. They’re the ones who did almost everything right.

They built the portfolio, paid off the home, delayed gratification and made thoughtful decisions for decades. Then retirement arrives, and something surprising happens: The spreadsheet says they’re secure, but they still don’t feel free.

Source: How Wealthy Retirees Can Overcome Their Fear of Spending | Kiplinger

How Wealthy Retirees Can Overcome Their Fear of Spending | Kiplinger Read Post »

The 5 pillars of longevity: Movement, nutrition, sleep, stress reduction, and social connection – Harvard Health

Health & Fitness, Lifestyle

If you hear the term “longevity” and think only about living longer, you’re missing half the point.

“What we actually want is both more years and more of those years lived in good health,” says Dr. David Barzilai, a longevity physician and the medical editor of Harvard Health Publishing’s Special Health Report Pathways to Longevity. “Almost no one wants additional years of frailty and dependence; they want more years of feeling well, moving freely, thinking clearly, and staying engaged with

Source: The 5 pillars of longevity: Movement, nutrition, sleep, stress reduction, and social connection – Harvard Health

The 5 pillars of longevity: Movement, nutrition, sleep, stress reduction, and social connection – Harvard Health Read Post »

Kings of the Road: 20th-Century American Enthusiasts Set the Stage for the Modern Collector’s World – Hagerty Media

Lifestyle

When you stop to think about it, collecting automobiles requires a lot. Money, time, and good roads are the first few things that come to mind, and following the end of World War II, we in the United States happened to have just a bit more of each than almost any other Western nation.

Credit first and foremost our mighty manufacturing capability. Our ability to pivot in mere months from building automobiles, tractors, and refrigerators to war machinery was a primary reason we came out on top—and wound up winning the peace, as well. Since World War II was not fought on North American shores,

Source: Kings of the Road: 20th-Century American Enthusiasts Set the Stage for the Modern Collector’s World – Hagerty Media

Kings of the Road: 20th-Century American Enthusiasts Set the Stage for the Modern Collector’s World – Hagerty Media Read Post »

people riding on horses during daytime

These 8 Car-free U.S. Destinations Let You Trade Traffic for Beaches, Hiking Trails, and a Slower Pace of Life

Lifestyle, Travel

For many, driving is the only way to get from one place to another. And while driving is (for the most part) convenient, anyone who’s ever sat in bumper-to-bumper traffic would probably relish the opportunity to ditch the wheels and spend time somewhere smaller and more walkable—even if just for a little while. Luckily, there are several destinations across the United States where that’s not only easy, but really, the only way to get around.

From beach vacations in Michigan and New York, to a remote escape in North Carolina, to a fishing village in Alaska, there are plenty of places

Source: These 8 Car-free U.S. Destinations Let You Trade Traffic for Beaches, Hiking Trails, and a Slower Pace of Life

These 8 Car-free U.S. Destinations Let You Trade Traffic for Beaches, Hiking Trails, and a Slower Pace of Life Read Post »

How Long Does It Take A Make Friend In Retirement?

Health & Fitness, Lifestyle, Retirement

Most investors understand that wealth compounds over time. What fewer people appreciate is that friendship does, too, and the return on that investment may be just as consequential for a fulfilling retirement.

As a wealth manager and retirement researcher, I spend a great deal of time analyzing what separates the happiest retirees from those who struggle. The answer isn’t always a bigger portfolio. It often comes down to community. The data are clear,

Source: How Long Does It Take A Make Friend In Retirement?

How Long Does It Take A Make Friend In Retirement? Read Post »

5 Cars Gaining Value in an Ever-Widening Market – Hagerty Media

Lifestyle

It’s summer, and we’re halfway through the year. That means we’ve also just updated all the prices on Hagerty Valuation Tools, and things are as wild as the last time we checked in. The supercar boom continues to expand even as the rest of the collector car market cools and as our Hagerty Market Rating continues to edge its way down. Halo cars like the Ferrari F40 and 288 GTO continue to post up big increases, but that’s much of the same news we covered last quarter.

Some of our notable gainers of the collector car market this quarter made broad jumps, while others indicate a maturing and more nuanced

Source: 5 Cars Gaining Value in an Ever-Widening Market – Hagerty Media

5 Cars Gaining Value in an Ever-Widening Market – Hagerty Media Read Post »

brown and white concrete house near green trees under blue sky during daytime

These 15 Resorts Are the Best in Europe for 2026

Lifestyle, Travel

Every year in its “World’s Best Awards“ survey, Travel + Leisure asks its readers to weigh in on the hotels, cities, islands, and experiences that moved them most on their getaways. And in 2026, readers made one thing clear among the 15 best resorts in Europe: Now is Italy’s time to shine.

While the full 2026 list spans five countries, including destinations along awe-inspiring coastlines and high in the alpine peaks, resorts across Italy absolutely dominated, claiming 10 of the top 15 spots.

Source: These 15 Resorts Are the Best in Europe for 2026

These 15 Resorts Are the Best in Europe for 2026 Read Post »

A man sitting at a desk using a cell phone

5 Money Moves to Make Now If You Want to Retire in 10 Years | Morningstar

Behavioral Finance, Lifestyle, Retirement

Valentina Djeljosevic: Hi, I’m Valentina Djeljosevic. Welcome to the second episode in a new miniseries for Morningstar called Your Retirement Countdown. In this four-part series, we’re sitting down with Christine Benz, Morningstar’s director of personal finance and retirement planning.

We’re talking about the key things you need to do to retire comfortably based on how far away your retirement start date is, whether it’s 25 years away, five years away, or just one year away. In today’s episode,

Source: 5 Money Moves to Make Now If You Want to Retire in 10 Years | Morningstar

5 Money Moves to Make Now If You Want to Retire in 10 Years | Morningstar Read Post »

There’s a ‘Trump account’ hack that can unlock decades of wealth-building for your kid

Financial Planning

Parents who have signed their children up for the new “Trump accounts” may wonder what the best way is to use and manage the accounts after they launch on July 4.

Amid the steady drip of information about these new accounts in recent months, what is critical to understand is that they are essentially “a form of traditional IRA available for children under the age of 18,” as noted in a Congressional Research Service report.

Source: There’s a ‘Trump account’ hack that can unlock decades of wealth-building for your kid

There’s a ‘Trump account’ hack that can unlock decades of wealth-building for your kid Read Post »

The ‘Shadow’ in Evolution That Explains Why Long Life Comes at a Cost : ScienceAlert

Health & Fitness, Retirement

The world’s population is shifting. We’re living longer than ever before, with elderly people taking up a greater proportion of the people on the planet.

And yet those extra years aren’t necessarily being enjoyed in good health.

So how do these shifts interact with what we know about genetics and evolution? How might old age – a relatively recent concept, in the history of Homo sapienschange our species?

And is the association between getting older and being less healthy inevitable?

Source: The ‘Shadow’ in Evolution That Explains Why Long Life Comes at a Cost : ScienceAlert

The ‘Shadow’ in Evolution That Explains Why Long Life Comes at a Cost : ScienceAlert Read Post »

8 Great V-8 Droptops for Under $30K – Hagerty Media

Lifestyle

With all due respect to Porgy and Bess, it’s “summertime and the cruisin’ is easy.” Said cruisin’ is certainly easier when the top goes down. And it’s practically effortless when you’ve got a V-8 to pull you along. 

Convertibles have always been the ultimate way to enjoy a warm-weather outing, and when they’ve got power to match their panache, at a price that won’t break the bank, few things are better. So this week we’ve rounded up 64 cylinders

Source: 8 Great V-8 Droptops for Under $30K – Hagerty Media

8 Great V-8 Droptops for Under $30K – Hagerty Media Read Post »

A vintage green ford pickup truck parked outside.

Fifth Generation (1967-1972) Ford F-Series: Ford Trucks Go Mainstream

Lifestyle

The launch of 5th generation F-series for the 1967 model year was going to be big for Ford Motor Co. Ford has seen tremendous growth in sales in the 4th generation and Ford wanted to see that growth continue. 

This growth came from buyers that were saw the pickup truck not only a work vehicle but a vehicle that could be used every day as transportation as well a work vehicle. In the 50s and early 60s pickup trucks were work only vehicles for a majority of owners. 

Source: Fifth Generation (1967-1972) Ford F-Series: Ford Trucks Go Mainstream

Fifth Generation (1967-1972) Ford F-Series: Ford Trucks Go Mainstream Read Post »

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