Aging Peacefully

 Retirement Withdrawal Scenarios I’ve calculated several monthly withdrawal scenarios for a $728,000 retirement balance based on different safe withdrawal rates. You can review them in this table to see how each approach affects your income and risk level. How much does Dave Ramsey suggest that you retire, percentage-wise? When asked about how much you should withdraw from retirement savings “percentage‑wise,” Dave Ramsey famously recommends an 8% annual withdrawal rate from your nest egg YouTube +15 Nasdaq +15 McLean +15 . What Dave Ramsey Suggests 8% Annual Withdrawal : Ramsey’s approach is more aggressive than the conventional 4% rule. He suggests withdrawing 8% of your portfolio’s starting value in your first retirement year, then adjusting that amount annually for inflation Nasdaq +1 . Requires 100% Equity Allocation : This strategy assumes that your retirement assets are fully invested in stocks, banking on an ongoing market return of around 10–12% per year Reddit +3...

 Absolutely! Here’s a curated list of budget-friendly perfumes that are great for high school girls just starting out with fragrance—and conveniently, many of these are favorites among boys the same age too. I’ve drawn from reputable sources and also included affordable product picks you can easily explore. Girl's Fragrances - What Teens and Boys Both Tend to Like 1. Ariana Grande – Cloud Sweet, creamy, and comforting—with whipped cream, praline, coconut, and soft musk notes—this fragrance is beloved by teens of both genders and is often described as a “warm hug in a bottle.” Who What Wear +3 Cosmopolitan +3 Byrdie +3 Glamour UK 2. Sol de Janeiro – Brazilian Crush Cheirosa ’62 (body mist) A TikTok favorite with pistachio, almond, caramel, vanilla, and salt notes. It’s youthful, tropical, and a big hit in school hallways. Glamour UK 3. Victoria’s Secret – Love Spell Fruity and floral with peach, cherry blossom, apple, lilac, and musk—light, fun, and very affordable. New Yor...

 Here’s a curated list of budget-friendly colognes for a high school boy —clean, fresh, widely appealing, and reportedly favorites among peers (especially school-age girls). These options are easy to find, youthful, and won’t overwhelm. Budget-Friendly Colognes Teen Boys Tend to Like 1. Nautica Voyage Eau de Toilette – ~$20 Named the "Best Overall" affordable cologne for teenage guys by Glamour , praised for its fresh, marine scent and unbeatable price. TikTok +9 Glamour +9 Reddit +9 2. Acqua di Giò by Armani – starter classic A clean, citrusy fragrance frequently recommended for teens starting out—light, fresh, and generally inoffensive. Highly endorsed on Reddit for its versatility. Reddit Also a top designer pick in Glamour’s list. Glamour 3. Versace Dylan Blue / Versace Pour Homme – stylish and youthful On Glamour’s radar as a top marine scent. The Guardian +13 Glamour +13 Glamour +13 Widely loved for its clean, aromatic vibe—great for sc...

  👃 Top Casual Colognes for Men Age 60+         That Women Find Attractive 1. Bleu de Chanel (EDT or EDP) Why it's great : Clean, modern, versatile — great for any age, especially mature men who want something classic with edge. When to wear : Any day, any season. Compliment factor : High. 2. Terre d’Hermès (EDT) Notes : Orange, vetiver, cedar Why it's great : Earthy and grounded — smells like confidence without trying. When to wear : Spring/fall daytime or early evening. Compliment factor : Women often say it smells “like a real man.” 3. Bvlgari Man in Black Notes : Rum, spices, leather Why it's great : Warm, rich, slightly spicy — casual elegance. When to wear : Cooler weather, evening dinners, relaxed gatherings. Compliment factor : Women tend to lean in when they smell it. 4. Prada L’Homme Notes : Iris, amber, neroli Why it's great : Clean and slightly powdery — smells expensive and well-kept. When...

  🔥 Top Colognes That Women Love   1. Dior Sauvage (EDT or EDP) Notes : Bergamot, Sichuan pepper, ambroxan Vibe : Rugged, fresh, confident Why women like it : Bold and masculine, very noticeable 2. Bleu de Chanel (EDP or Parfum) Notes : Grapefruit, incense, sandalwood Vibe : Sophisticated and versatile Why women like it : Smooth, clean, classy — great for dates or work 3. Yves Saint Laurent La Nuit de l’Homme Notes : Cardamom, lavender, cedarwood Vibe : Sexy, mysterious, nighttime charm Why women like it : Warm and intimate — a frequent compliment-getter 4. Giorgio Armani Acqua di Giò Profumo Notes : Sea notes, incense, patchouli Vibe : Fresh and mature Why women like it : Clean, masculine, and not overpowering 5. Jean Paul Gaultier Le Male Le Parfum Notes : Cardamom, iris, vanilla Vibe : Sweet, spicy, seductive Why women like it : Unique and cozy — very alluring 6. Viktor & Rolf Spicebomb Extreme Notes ...

  🌸 The 2025 Ultimate Women’s Perfume Guide (U.S.) 1. Top 5 Best-Selling Women’s Perfumes Right Now (Based on U.S. retail sales, social trends, and beauty industry rankings) Rank Perfume Scent Profile Longevity Compliment Factor Approx. Price #1 Baccarat Rouge 540 (Maison Francis Kurkdjian) Woody Amber + Saffron + Jasmine ★★★★★ (8–12 hrs) 🔥 Extremely High $325 #2 YSL Libre Intense Lavender + Orange Blossom + Vanilla ★★★★☆ (6–8 hrs) ❤️ Very High $155 #3 Valentino Donna Born in Roma Blackcurrant + Jasmine + Vanilla Bourbon ★★★★☆ (6 hrs) 💎 High $150 #4 Miss Dior (New Edition) Rose + Peony + Soft Musk ★★★★☆ (5–7 hrs) 🌷 High $140 #5 Chanel Coco Mademoiselle Citrus + Patchouli + Vanilla ★★★★★ (8–10 hrs) ✨ Timeless Favorite $165 2. Perfume Categories & What They Say About You Different fragrances evoke different moods and attract different compliments . Here’s a cheat sheet: Category Examples Perfect For Vibe Floral Miss Dior, Gucci Bloom, Chloé Eau de Parfum Everyday we...