MEMORIAL DAY: 2026

Posted on May 25, 2026 by Dr. David Edward Marcinko MBA MEd CMP™

By Dr. David Edward Marcinko; MBA MEd

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Memorial Day stands as one of the most solemn observances in American life, a day when the nation pauses to honor those who gave their lives in military service. It is more than a long weekend or the unofficial start of summer. It is a moment carved out of the year to acknowledge the profound cost of defending a nation’s ideals. The quiet gravity of the day reminds us that the freedoms we often take for granted were secured through courage, hardship, and sacrifice.

Across the country, communities gather in ceremonies that blend tradition with personal remembrance. Flags are placed at headstones, wreaths are laid at memorials, and moments of silence ripple through towns and cities. These acts, though simple, carry deep meaning. They connect us to generations of Americans who stepped forward in times of conflict, believing that service to something larger than themselves was worth the risk. Their stories—some well‑known, many never recorded—form a collective legacy that shapes the nation’s identity.

Memorial Day also invites reflection on the human dimension of service. Behind every name engraved on a monument is a life interrupted: a family forever changed, a future that will never unfold. The day asks us not only to honor their sacrifice but to recognize the weight carried by those who loved them. Parents, spouses, children, and friends continue to hold memories that are both cherished and painful. Their resilience is part of the story we commemorate.

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Yet Memorial Day is not solely about mourning. It is also about responsibility. Remembering the fallen challenges us to consider how we uphold the values they defended—freedom, justice, and the promise of a nation striving toward a more perfect union. Gratitude becomes meaningful when it inspires action: participating in civic life, supporting veterans and military families, and working to strengthen the communities we share.

In this way, Memorial Day is both a tribute and a call to conscience. It reminds us that the privileges of citizenship come with obligations. It encourages us to look beyond our differences and recognize the common threads that bind us. The day’s power lies in its ability to unite people across backgrounds, generations, and beliefs in a shared moment of reflection.

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As the sun sets on Memorial Day, the flags raised again to full staff symbolize not only resilience but hope. The nation moves forward, carrying the memory of those who served with honor. Their legacy endures in the freedoms we exercise, the opportunities we pursue, and the collective commitment to building a future worthy of their sacrifice.

COMMENTS APPRECIATED

EDUCATION: Books

SPEAKING: Dr. Marcinko will be speaking and lecturing, signing and opining, teaching and preaching, storming and performing at many locations throughout the USA this year! His tour of witty and serious pontifications may be scheduled on a planned or ad-hoc basis; for public or private meetings and gatherings; formally, informally, or over lunch or dinner. All medical societies, financial advisory firms or Broker-Dealers are encouraged to submit an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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DYING BROKE: Frugality OR Freedom

Posted on March 5, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Rick Kahler CFP™

http://www.KahlerFinancial.com

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Dying Broke. It’s a goal for those retirees who embrace the idea of spending their hard-earned wealth during their lifetimes. Their aim is to enjoy the fruits of their labor while they can and spend the last penny just as they take their last breath. The concept feels both pragmatic and poetic.

But here’s the twist: While the concept may conjure images of lavish spending sprees and exotic vacations, that’s rarely what I see in practice. Many of my clients who identify as Die Brokers aren’t recklessly burning through their wealth. In fact, the opposite is often true.

This is because their approach to spending and giving is shaped by a lifetime of frugal money scripts that are incredibly hard to shake. Many Boomers grew up with financial uncertainty, learning to save and sacrifice to protect themselves and their families. Even after decades of financial success, those habits don’t just disappear. The idea of “spending down” their wealth, even intentionally, feels unnatural and irresponsible. There is an internal tug-of-war between their stated desire to enjoy their wealth and their deeply rooted fear of running out.

This paradox can significantly affect retirees’ financial planning. While Die Brokers may express a strong commitment to living fully, their money behavior often reveals a need for reassurance that their money will last for their lifetime.

For many Boomers, including myself, those frugal money scripts have served us well for decades. They’ve provided financial stability and peace of mind. But in this stage of life, they can also hold us back from experiencing the freedom we’ve worked so hard to achieve—especially in the time we have left when we can still physically enjoy it. The challenge is finding balance, honoring the values that got us here while allowing ourselves permission to live fully.

Shifting from a scarcity mindset to one of abundance is no small feat.

Here are four ways to start turning those old money scripts into permission to spend and give intentionally:

  1. Reframe wealth as a tool rather than a safety net. Recognize that money is about opportunity as well as security. Spending with intention can bring joy and meaning, whether it’s funding a family trip, supporting a cause, or splurging on a bucket list item.
  2. Work with your financial advisor to analyze your retirement spending and the probability of running out of money. The amount they suggest you can spend may surprise you—it’s often far higher than your frugal money scripts would lead you to believe.
  3. Experiment with incremental giving. If parting with your wealth feels daunting, start small. Gift modest amounts to family, friends, or charities and notice how it feels. Seeing the immediate impact of your generosity can help ease the transition and loosen the grip of those old money scripts.
  4. Set intentional spending goals instead of vaguely aiming to “enjoy your wealth.” Identify specific ways you want to use your money to enhance your life or the lives of others. Having a clear plan can turn spending into a meaningful act rather than an exercise in guilt.

For many of us, the Die Broke mentality is not about recklessness or extravagance. It’s about learning to let go. Despite our bold talk of spending down to the last penny, most of us will likely leave behind more than we planned. And maybe that’s just fine—especially for our kids and grand kids. Perhaps being a Die Broker is really about giving ourselves permission to live with intention, to savor what we’ve built, and to enjoy living to the fullest the rich life our frugality has helped provide.

EDUCATION: Books

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