Russ Thornton


The word “enough” is really interesting.

Follow it with a question mark and it’s a profound question.

Follow it with an exclamation point, and it’s a bold statement.

Follow it with a period and it stands well on its own.

See more below 👇

And thanks, as always, for reading.

Batteries Recharged 🔋

Elizabeth, Winnie, and I just back from a few days at the beach. 🌴

We were at St. George Island in the Florida panhandle, where we’ve been going for years.

It’s a dog-friendly beach and a relatively quiet, laid-back beach community.

Though, for February/March, it was much more crowded than we’ve seen it in years past.

Regardless, we relaxed, ate way too much food and got to recharge our batteries.

So today (Friday, March 5th) I’ve got a lot of catching up to do.

If you need anything, please get in touch and let me know.

For now, here’s a picture of our 4-legged daughter Winnie from our beach trip:

Our girl, Winnie

Our girl, Winnie

Thoughts on Speculation

There’s a sometimes subtle but important distinction between investing and speculating.

With that in mind, here are some thoughts on speculation from Morgan Housel:

When Everyone’s a Genius (A Few Thoughts on Speculation)

The end of a speculative boom can be inevitable but not predictable. Unsustainable things can last a long time. Identifying something that can’t go on forever doesn’t mean that thing can’t keep going for years.



One of the least utilized words in the world of financial planning is “enough”.

Of course, it’s easy to say that, but figuring out the concept of enough as it applies to your personal situation can be tricky.

Nevertheless, I think it’s a worthwhile pursuit for you.

And it’s a worthwhile pursuit for me too.

Not just for my personal finances, but also for my financial planning work.

Reading this article from my friend and fellow financial planner Jeremy Walter really got me to thinking:

Enough. – Calibrating Capital

A few thoughts on why I stopped taking on new clients and how we’ve personally defined Enough.


And while the article above is written from the perspective of both personal finances AND running a small business, I think it’s a good place to stop and think about this idea of “enough”.

I’m reminded of a couple of other articles I’ve written where I directly or indirectly talk about the concept of enough…

For instance:

Ultimately, that’s what financial planning and retirement planning are all about, isn’t it?

It’s striking a balance between enjoying your life today while doing “enough” to be prepared for an uncertain future tomorrow.

I think this is something worth thinking about, and I’m sure I’ll share more of my thoughts on this topic in the future.

How about you?

What do you think when it comes to the idea of “enough”?

Until next Wednesday,


Retirement Planning for Women

Postscript: Which “road” will you take? The road to enough or the road to “more” which many folks seem to be following? Here’s a short little song called “Road” from Nick Drake. 🎵

Why indie music? Please read the Postscript of Issue #2 for context.


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Russ Thornton | Atlanta, GA | Disclosures: https://bit.ly/3e5t5UJ