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	<link>https://boomerandecho.com</link>
	<description>Financial Freedom at any Age</description>
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	<title>Boomer &amp; Echo</title>
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		<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>37</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>
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		<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>
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		<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>29</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>
		
					<wfw:commentRss>https://boomerandecho.com/this-is-a-retirement-plan/feed/</wfw:commentRss>
			<slash:comments>75</slash:comments>
		
		
			</item>
		<item>
		<title>Out Of The Box RRSP Ideas For Retirement</title>
		<link>https://boomerandecho.com/out-of-the-box-rrsp-ideas-for-retirement/</link>
					<comments>https://boomerandecho.com/out-of-the-box-rrsp-ideas-for-retirement/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 10 Jan 2026 18:10:13 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672891</guid>

					<description><![CDATA[A lot of RRSP advice follows a similar script. Contribute while you’re working, convert to a RRIF at 71, withdraw the minimum, and hope for the best. But retirement planning is where the interesting stuff actually happens. With a bit of flexibility and good timing, RRSPs can be used in ways that smooth taxes, improve&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/out-of-the-box-rrsp-ideas-for-retirement/feed/</wfw:commentRss>
			<slash:comments>26</slash:comments>
		
		
			</item>
		<item>
		<title>Investment Returns For 2025</title>
		<link>https://boomerandecho.com/investment-returns-for-2025/</link>
					<comments>https://boomerandecho.com/investment-returns-for-2025/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 03 Jan 2026 19:21:05 +0000</pubDate>
				<category><![CDATA[Investing]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672875</guid>

					<description><![CDATA[After years of watching U.S. markets and mega-cap tech stocks soak up the spotlight, Canadian stocks finally had their moment in 2025 and made it count. The Canadian market went elbows up and steamrolled its global peers, with XIC posting a massive 31.6% return. That’s not just a good year. That’s a statement year. Right&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/investment-returns-for-2025/feed/</wfw:commentRss>
			<slash:comments>35</slash:comments>
		
		
			</item>
		<item>
		<title>Net Worth Update: 2025 Year-End Review</title>
		<link>https://boomerandecho.com/net-worth-update-2025-year-end-review/</link>
					<comments>https://boomerandecho.com/net-worth-update-2025-year-end-review/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Wed, 31 Dec 2025 23:17:15 +0000</pubDate>
				<category><![CDATA[Net Worth]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672862</guid>

					<description><![CDATA[A little over six years ago I handed in my resignation at my public sector day job to focus full-time on advice-only financial planning, this blog, and some paid freelance writing work. Suffice to say, that was one of the best decisions of my life. No more Monday morning budget meetings, performance reports, or KPIs.&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/net-worth-update-2025-year-end-review/feed/</wfw:commentRss>
			<slash:comments>37</slash:comments>
		
		
			</item>
		<item>
		<title>Financial Goal Setting For 2026</title>
		<link>https://boomerandecho.com/financial-goal-setting-for-2026/</link>
					<comments>https://boomerandecho.com/financial-goal-setting-for-2026/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Tue, 23 Dec 2025 19:00:38 +0000</pubDate>
				<category><![CDATA[Financial Goals]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672854</guid>

					<description><![CDATA[With 2025 quickly coming to a close, it's time to reflect on our goals from this past year and set our new financial goals for 2026. Looking back, it's going to be tough to top this year from a financial perspective. Earlier this year I had the absolute honour and privilege to speak with my&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/financial-goal-setting-for-2026/feed/</wfw:commentRss>
			<slash:comments>42</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: A RRIF Case Study Edition</title>
		<link>https://boomerandecho.com/weekend-reading-a-rrif-case-study-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-a-rrif-case-study-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 13 Dec 2025 19:39:07 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672842</guid>

					<description><![CDATA[Beth came to me with questions about her mother Susan’s finances. Susan is 80 and widowed. She lives in a retirement home and spends about $60,000 per year after tax. Her health is declining and she’s not expected to live beyond age 85. After her husband passed away, she now has $1.2 million in a&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-a-rrif-case-study-edition/feed/</wfw:commentRss>
			<slash:comments>57</slash:comments>
		
		
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