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	<title>Boomer &amp; Echo</title>
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	<link>https://boomerandecho.com</link>
	<description>Financial Freedom at any Age</description>
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		<title>Weekend Reading: What Happens to Your Health Benefits When You Retire?</title>
		<link>https://boomerandecho.com/weekend-reading-what-happens-to-your-health-benefits-when-you-retire/</link>
					<comments>https://boomerandecho.com/weekend-reading-what-happens-to-your-health-benefits-when-you-retire/#respond</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 11 Apr 2026 04:54:15 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673012</guid>

					<description><![CDATA[One of the top questions I hear from soon-to-be-retired clients is some version of: &#8220;What do I do about health coverage when I leave my employer plan?&#8221; The anxiety is real. For decades, benefits were just&#8230; there. Dental cleanings, prescriptions, massage, physio &#8211; it felt like free money. Now they're staring down retirement wondering how&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-what-happens-to-your-health-benefits-when-you-retire/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>This Is a Retirement Plan (Are We There Yet… or Not?)</title>
		<link>https://boomerandecho.com/this-is-a-retirement-plan-are-we-there-yet-or-not/</link>
					<comments>https://boomerandecho.com/this-is-a-retirement-plan-are-we-there-yet-or-not/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 04 Apr 2026 00:28:56 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672996</guid>

					<description><![CDATA[Like many soon-to-be retirees, Patricia and Charles are feeling that familiar tension as they approach the finish line. They’ve done a lot right. They’ve built up more than $1.2 million in investments, kept their spending reasonable, and stayed consistent savers throughout their careers. But that doesn’t necessarily translate into confidence. Patricia, as the higher earner,&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/this-is-a-retirement-plan-are-we-there-yet-or-not/feed/</wfw:commentRss>
			<slash:comments>36</slash:comments>
		
		
			</item>
		<item>
		<title>Waiting for a Better Time to Invest</title>
		<link>https://boomerandecho.com/waiting-for-a-better-time-to-invest/</link>
					<comments>https://boomerandecho.com/waiting-for-a-better-time-to-invest/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Fri, 27 Mar 2026 16:55:10 +0000</pubDate>
				<category><![CDATA[Investing]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672990</guid>

					<description><![CDATA[Hannah reached out last week to say she inherited $350,000 almost a year ago and hasn’t invested a dollar of it. It’s been sitting in cash since last April. And to be fair, April didn’t exactly feel like a great time to invest. Liberation Day tariffs had just been announced, markets were sliding, and suddenly&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/waiting-for-a-better-time-to-invest/feed/</wfw:commentRss>
			<slash:comments>34</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: Your TFSA Contribution Room Edition</title>
		<link>https://boomerandecho.com/weekend-reading-your-tfsa-contribution-room-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-your-tfsa-contribution-room-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 21 Mar 2026 20:24:47 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672973</guid>

					<description><![CDATA[If you contribute regularly to your TFSA you already know this, but it’s worth repeating. Your My CRA Account is not a live tracker of your TFSA contribution room. In fact, it can be frustratingly slow to update. The reason is straightforward. Financial institutions have until the end of February each year to report your&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-your-tfsa-contribution-room-edition/feed/</wfw:commentRss>
			<slash:comments>15</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: Investing Is Not Speculating Edition</title>
		<link>https://boomerandecho.com/weekend-reading-investing-is-not-speculating-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-investing-is-not-speculating-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Fri, 13 Mar 2026 20:42:19 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672967</guid>

					<description><![CDATA[Every time markets get shaky I get some version of the same message. “Hey, are we getting nervous about VEQT? Anything we should be doing differently, or just let it ride?” It’s a fair question. Market declines and a barrage of bad news can certainly make some investors uncomfortable. But it also reveals something important.&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-investing-is-not-speculating-edition/feed/</wfw:commentRss>
			<slash:comments>34</slash:comments>
		
		
			</item>
		<item>
		<title>This Is a Retirement Plan (For a Single Woman in Her 50s)</title>
		<link>https://boomerandecho.com/this-is-a-retirement-plan-for-a-single-woman-in-her-50s/</link>
					<comments>https://boomerandecho.com/this-is-a-retirement-plan-for-a-single-woman-in-her-50s/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 28 Feb 2026 00:54:59 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672956</guid>

					<description><![CDATA[Cynthia is 56 years old, single, and lives in Winnipeg. She rents a two-bedroom apartment for $1,600 a month, likes her place, likes her landlord, and has never felt particularly drawn to homeownership just because it’s what people are supposed to do. She works in healthcare after switching careers later in life, earns about $118,000&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/this-is-a-retirement-plan-for-a-single-woman-in-her-50s/feed/</wfw:commentRss>
			<slash:comments>40</slash:comments>
		
		
			</item>
		<item>
		<title>Investors &#8211; Stop Living in the Past</title>
		<link>https://boomerandecho.com/investors-stop-living-in-the-past/</link>
					<comments>https://boomerandecho.com/investors-stop-living-in-the-past/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Fri, 06 Feb 2026 20:44:43 +0000</pubDate>
				<category><![CDATA[Investing]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672935</guid>

					<description><![CDATA[One of the most common investing mistakes has nothing to do with picking the wrong fund or missing the bottom of the market. It comes down to how we talk about investing decisions in the first place. We tend to describe past market moves as if they’re still happening. The market is falling, what should&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/investors-stop-living-in-the-past/feed/</wfw:commentRss>
			<slash:comments>22</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: The Retirement Consumption Puzzle Edition</title>
		<link>https://boomerandecho.com/weekend-reading-the-retirement-consumption-puzzle-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-the-retirement-consumption-puzzle-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 31 Jan 2026 06:36:12 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672929</guid>

					<description><![CDATA[One of the strangest things about retirement is that it’s often not about whether you’ll have enough money to last a lifetime, but whether you’ll feel comfortable spending it. Economists call this the retirement consumption puzzle. In theory, retirees should draw down their savings over time and enjoy the money they spent decades accumulating. In&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-the-retirement-consumption-puzzle-edition/feed/</wfw:commentRss>
			<slash:comments>41</slash:comments>
		
		
			</item>
		<item>
		<title>ETFs, Mutual Funds, and the Rise of Investing Slop</title>
		<link>https://boomerandecho.com/etfs-mutual-funds-and-the-rise-of-investing-slop/</link>
					<comments>https://boomerandecho.com/etfs-mutual-funds-and-the-rise-of-investing-slop/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 24 Jan 2026 05:20:22 +0000</pubDate>
				<category><![CDATA[Investing]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672920</guid>

					<description><![CDATA[&#160; For a long time, investing in Canada came with a fairly simple rule of thumb. Mutual funds were expensive. ETFs were cheaper. If you wanted better odds, you bought ETFs instead. That advice was broadly right, and for many investors it made a meaningful difference. Moving from a two percent mutual fund into a&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/etfs-mutual-funds-and-the-rise-of-investing-slop/feed/</wfw:commentRss>
			<slash:comments>31</slash:comments>
		
		
			</item>
		<item>
		<title>This Is A Retirement Plan</title>
		<link>https://boomerandecho.com/this-is-a-retirement-plan/</link>
					<comments>https://boomerandecho.com/this-is-a-retirement-plan/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 17 Jan 2026 06:06:17 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672900</guid>

					<description><![CDATA[Most people who reach out to me aren’t necessarily trying to retire early or do anything particularly clever with their money. They’ve worked for a long time, saved steadily, and are starting to wonder if this is the point where work becomes optional. Dan and Elizabeth are a good example of this. They live in&#8230;]]></description>
		
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			<slash:comments>75</slash:comments>
		
		
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