members and their systems

"...the reason for not having cell phone..."

It may be that a person just does not want one. Saving on cell phone bill will not be enough for a wealthy retirement.

I have recently bought a record from Better Records and it was priced like my semi-annual cell phone bill. True, I do not have what people like to call "smartphone" (the one that makes people less so) so my monthly payment may be lower than many.

X Ray tech and cell phones. Sounds like that X-Ray tech has some sense. Less exposure, just makes sense. Not to mention the cost savings.. I still use a G3 that's how often I change phones. One is used for streaming on my 650.00 super duper on the cheap stereo system. I use another retired phone all the time for spell check, and all kinds of apps, microphone, tone generator, camera, light, maps etc.. They just don't have a remote, the G4 does.. Great camera though. Not an A7 but good..

Job Optional is a good read,  ( Casey Weade ) and you can use the smartphone at your optional gig..... I have three: Trustee at two not for profits, and as a technical advisor to the board of a software startup....if you want to call solving problems on a quantum computer “ software “ 

I was blessed, took a lot of risks in my career, 7 zipcodes, some in foreign lands. Giving back and paying forward are part of our living life and estate plan.

My big passion of late is donating to causes that advance social justice, civil liberties....and clean coal ( just checking... )

and there is a lot more to a good plan than 1% ( really any % ) net worth people, but you can discover that on your own....

two hints; Liquidity and income....

tax planning goes without saying....

So exactly what is "social" justice, anyway? I mean, besides virtue signaling.

here we go...