Yellow wrought iron chairs on Fairlea in Rochester, New York

These are the kind chairs that you don’t sit at. They are in the front yard of house near us. We pass by often and we have never seen anyone sitting in them. They are nice looking and perhaps that is enough.

We started getting serious about putting away some money rather late. Our band was doing a Happy Hour gig at the Bug Jar and Steve Brown, one of the three original owners, was behind the bar those nights. He worked for Merrill in the day and he encouraged us stop by his office. He made it all fun, recommending a few things but mostly coaching us to buy what we like. Of course we bought some Apple. Steve moved on and these days we check in with Joe Marchese out at MCC every couple of years. He guides us toward a comfortable 60/40 balance of equities and fixed income. After a ten year bull market we had some shuffling to do. Our key strategy though is fairly simple. We just don’t spend that much.

It seems you can’t talk about anything these days with Trump coming up. I think we said said something about tariffs and Joe said, “I understand economics but we’re dealing with a nut case.”

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