It’s a fact that most of us could probably be better at managing our finances.  For example, maybe you don’t need to buy that latte every day when you could just as easily make coffee at home.  That said, there are small bad decisions like the latte and there are much larger bad decisions.  This blog is about making better choices so that you don’t regret it later in life.  FirstLantic wants you to be prepared to not only enjoy your retirement but also to avoid that worry bubble hanging over your head.   Save more – We know that’s not a revolutionary concept but it’s a fact that you will have more if you save more. Many of us don’t have a lot of [...]

If there’s one thing that we have learned about our economy from the COVID-19 pandemic, it’s that the U.S. is heavily reliant on service jobs.  Restaurants, hotels, casinos, fast food chains, and grocery stores among many others employ millions of people.   Most of these jobs pay hourly rates sometimes making it difficult to do much more than live paycheck to paycheck.  The manufacturing jobs that didn’t require a college degree but paid well enough to live a middle-class lifestyle are mostly gone.  So, what are the best jobs for the next ten years and how do you ensure that you and your loved ones are prepared to thrive in the future?   FirstLantic shares 10 jobs that have higher wages and have the most anticipated growth [...]

70% of people turning 65 can expect to use some form of long-term care during their lives. 90% of those who receive long-term care assistance live at home or in a community setting.   These stats are pretty sobering and yet most of us are not really prepared to have to pay for outside help for 10 or possibly 20 years during retirement.  In fact, many people believe assisted living is covered by Medicare.  57% of people surveyed said they plan to rely on Medicare to help pay for any senior care they might need.   However, while Medicare is available to help with short-term personal health coverage or pharmaceuticals, it is not available to pay for assisted living in most cases.  And Medicaid is only available [...]

It wasn’t that long ago that many women found the subject of menopause to be taboo.  It was bad enough to deal with the side effects but the stigma of it was almost as difficult to acknowledge.  Luckily, society is more open about the topic now which has been a relief for many women who suffered in silence.  But, what about “man”opause or andropause which describes age-related changes in male hormone levels?   Well, it turns out that although there are significant differences in the way men and women experience the aging process, there are some similarities such as reduced energy, mood swings, lack of sexual drive, insomnia and irritability.   However, because these changes happen more gradually for men, they often can be overlooked or ignored [...]