Wyoming Welcomes You

I was going through my picture files for photos to use for my new novel post when I came upon these pictures. I’ve always liked these signs, so, when my daughter and I were returning home from Colorado, we stopped by the highway so I could take these photos. I think they depict the true picture of a real western frontier that is Wyoming.

This sign is located on I-25 on the border of Wyoming and Colorado.


In my bestest cowgirl speakin’ voice…
So, here you go pards (and pardettes), come on over and visit us here in our beloved state of Wyoming, y’hear? Y’all ‘r welcome anytime. If y’ur comin’ from the north or south direction, mosey on up or down I-25. If y’ur comin’ from the east or west direction, mosey on across I-80. Sounds simple, don’t it? It’s cuz it’s jus' that simple. It sure is.

If y’all decide to come this way, jus' wanna warn ya gents to keep a tight rein on yer sweethearts. It’s not uncommon for ladies meetin’ some real handsome cowboys and jus' fall in love with them, right there on the spot. And ladies, jus’ wanna warn ya also that there are some real good-lookin’ cowgirls, too. So If I wuz you, I’d be holdin’ tight onto my sweetheart’s arm the whole time. Jus' kiddin’ y’all ‘bout the last stuff. I’m jus’ tryin’ to infuse a li’l bit of romanticism into this post. I don’t want none of ya to feel scared or anythin’. All in all, we’re jus’ as normal as y’all, or is it jus’ as crazy?
But, don’t take my word for it. Come and experience the wild west yerselves?

$300K Nest Egg

Okay, so I realize that a one million dollar nest egg is impossible for most people to save for, unless you’ve started saving at the age of 20. Therefore, here’s a more reasonable goal that I know most of you wi ll be able to achieve. As in the one million dollar nest egg blog post, the data here is broken down for easy reading. These numbers are based on a zero dollar amount at the beginning of investing, an 8% rate of return, and you working till the age of 65.

1. For 20-year-olds:  $32.00 biweekly or $64.00 monthly. Your account will amount to $307,569.09.  
2. For 25-year-olds:  $47.00 biweekly or $94.00 monthly. Your account will amount to  $302,781.46
3. For 30-year-olds:  $71.00 biweekly or $142.00 monthly Your account will amount to $304,244.60.
4. For 35-year-olds:  $107.00 biweekly or $214.00 monthly Your account will amount to $301,429.83
5. For 40-year-olds:  $166.00 biweekly or $332.00 monthly. Your account will amount to $301,785.00. 
6. For 45-year-olds:  $264.00 biweekly or $528.00 monthly. Your account will amount to $300,431.51
7. For 50-year-olds:  $445.00 biweekly or $890.00 monthly. Your account will amount to $300,469.61
8. For 55-year-olds:  $833.00 biweekly or $1666.00 monthly. Your account will amount to $300,087.04.
9. For 60-year-olds:  $2057.00 biweekly or $4114.00 monthly. Your account will amount to $300,094.29. 

As you can see, the younger you are when you start saving, the easier and more affordable it is to save. I’m not a financial guru.  I’m just a regular person, who wants to encourage everyone, especially you young ones who are reading this post, to start saving as soon as possible.  For you older folks, I hope that you already have some amount invested already so you don’t have to add as much as the amounts listed above. 

The best place to invest, of course, is into your 401K, especially one where your employer will match a portion of your investment. Matchings are anywhere from 4% to 8%, depending on the company you’re working for. Take advantage of those matchings. Even if you don’t aim for the $300K or $1M nest eggs, at least invest the amount that your employer matches. This way, you’re not losing out on this great benefit that is afforded to you. 

If a 401K is not offered to you through your employer, you can always use a private financial investment firm in your area or online to set up a savings/retirement account for you. 

Well, folks, that’s all for now. I hope you all succeed in building your retirement nest egg.