Your Survival Guy

Preparing your investments and family for when disaster strikes.

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Your Retirement Life: The Path Less Traveled

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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com To sign up for my free monthly Survive & Thrive letter, click here.

Recent Posts from YourSurvivalGuy.com

Wellesley Fund: “Balanced Investing Is Dead” (Please Stop)

Wellesley Fund: Balanced Investing is Dead (Please Stop) Happy Friday, Your Survival Guy needs to clear the air. Over the last couple of months, a major publication has done a disservice to balanced investors. You know, the investor I cater to who likes to sleep well at night, has saved ‘til it hurt, and is […]

Do You Have a Plan to Protect Your Personal Data?

Your Survival Guy recently received an alarming email. It told me that my personal data from the DNA service 23andMe could have been breached. But it also reminded me that I have help in dealing with the situation. I subscribe to LifeLock. (NOTE: This is not a paid advertisement for LifeLock). LifeLock noticed the breach, […]

DIRTY JOBS: America Needs Mining Engineers

You may be frustrated that Joe Biden is paying billions in student loans for American students whose degrees didn’t earn them enough to pay the loans back themselves. That’s the sad reality of attending an expensive school and majoring in something with no job prospects. But one thing America does need is people who aren’t […]

Investing Habits of the Fairly Wealthy: #2 Coach

“The games you remember most are on the negative side,” Parcells says. “I don’t know why. You’d have to speak to a psychologist about that. But the time you enjoy a win is minimal compared to how long you feel disappointed by losing.” That’s a quote from Parcells: A Football Life by Bill Parcells and […]

Have All of New Jersey’s Workers Already Moved to Florida?

New Jersey is experiencing a decline in white-collar employment but is still looking to hire many blue-collar workers to fill important jobs. The problem is, those workers don’t exist. Have all of NJ’s workers already moved to Florida? Gabriel T. Rubin describes New Jersey’s painful labor market in The Wall Street Journal, writing: New Jersey’s […]

Georgia Accelerates Implementation of Its Flat Tax Plan

Georgia’s government has accelerated the implementation of the state’s flat tax plan after big budget surpluses increased the plan’s viability. The Wall Street Journal’s editorial board explains: State governments aren’t known to run ahead of schedule, but Georgia lawmakers plan to deliver early on a promised tax cut. The acceleration is made possible by another […]

Digital Dollars: A Warning Where You’re the Prey

In my conversations with you, you voice your concerns about the digitization of the dollar. Clearly, there are publications out there warning the sky is falling. It’s unsettling at best. Then, over the holidays with your family and friends, you bring up the subject, and the person you’re talking with doesn’t have a clue. Life […]

You Can See Where Big Government Is Headed

Read Your Survival Guy’s Digital Dollars: A Warning Where You’re the Prey, and you can see where big government and big states are headed. That’s why I want you to look for your peace of mind in a Super State. You’ve read lately about the Supreme Court case Moore vs. U.S. in a couple of posts […]

You Can’t Escape a Digital Dollar

You don’t need to dig too hard to see how big states want to keep you locked in. That’s why Your Survival Guy wants you to find your Super State. The digital dollar is their collar. In a recent Wall Street Journal op-ed, James Freeman highlights Rep. Alexandria Ocasio-Cortez’s calls to make New York even […]

Don’t Make Moves You Might Regret

The pressures of the holidays are building. Don’t let this infiltrate your investments by making moves you may regret. Don’t buy mutual funds right before a distribution you may owe taxes on next year. But do consider making moves where you might benefit from spreading tax obligations over several years. Life Comes at You Fast. […]

Listen to What They Say about YOUR Money

You recently read about how the Supreme Court could stop a wealth tax before it even starts. That’s scaring some politicians because they already consider that wealth to be theirs. Just look at this headline from USA Today: “This couple is fighting $15,000 in taxes. Their case could cost Washington trillions.” Cost Washington trillions? The […]

Is It Almost Riot Season Again in America?

In City Journal, Christopher Rufo wonders if radical left-wing activists are preparing to incite riots in 2024 the same way they did in 2020 in order to shift the narratives of the presidential campaign. He writes: The resurgence of public protests in support of Hamas has revealed a disturbing truth: the left-wing rioting following George […]

Your Key to Retirement Wealth

When you look at your lifetime of earnings, you realize your key to retirement wealth is keeping what you’ve made. Too many investors are separated from their money by looking for markets to make their dreams come true. The arithmetic of portfolio losses makes it difficult to rebuild the wealth you earned the hard way […]

HARDSHIP WITHDRAWAL: Do You Have Emergency Funds?

According to a new study by Fidelity, Americans are increasingly turning to their 401(k)s to withdraw money in what are known as hardship withdrawals. As explained by Fidelity “Hardship withdrawals are only available to workers experiencing an “immediate and heavy” financial need as defined by the IRS. They are only allowed to withdraw funds to […]

EVERGRANDE: The World’s Most Indebted Property Developer

You have read about how investors in Evergrande, the world’s most indebted property developer, are “counting on the commies” for help as the company is restructured or potentially liquidated. A long-delayed liquidation hearing was scheduled for Monday, but it was once again delayed. Leaving creditors with little understanding of what they can expect from Evergrande […]