There are 5 things you can do with money—spend, save, speculate, invest, and insure. In retirement, your financial plan—if properly built–will likely include all five components. How much you emphasize one over the other will determine the QUALITY of your life-- and the QUANTITY of meaningful, memorable, and fun experiences as a retiree. We all need to keep a bucket of liquid spendable money—in the form of money market accounts (your “cash bucket”), but if you are going to be strictly a saver, you will not be very well rewarded in the years ahead. In fact, savers are being punished by low rates today. The market has been on a tear since 2009, rewarding both speculators AND investors. Speculators don’t care about dividends. Dividends are far too boring for them, even though dividends keep coming in relentlessly and compounding systematically. Today, we'll compare speculating and investing, then health insurance specialist Shelley Grandidge joins us for the Q & A. A fact-filled show you don't want to miss...MASTERING MONEY is on the air!!