May Refuge Refresh - Remembering the Sacrifice
(You can access the actual email with formatting and images HERE).
Hi Refuge friends,
I hope you had a great Memorial Day weekend! First things first, I want to thank any of you that have served our country in the military. Thank you for your service and for the sacrifice you and your families have made for our nation.
Over the last few days, I’ve found myself thinking more deeply about how incredible it is that so many paid the ultimate price so that we may enjoy the freedom we have today. It can be hard to truly grasp that kind of sacrifice—especially when we live with so many blessings and liberties every day. I think it’s easy for us as a nation to become spoiled by prosperity and take those freedoms for granted, almost as if they’ve always existed and always will.
I’m humbled when I think about the bravery and selflessness of those who, as Abraham Lincoln said, “gave the last full measure of devotion.” May we never lose appreciation for the freedoms they fought for, and may we use them wisely.
-Tim
SMILE
Why didn't the husband buy his wife anything for their anniversary?
When he asked what she wanted, she said “Nothing would make me happier than a diamond necklace.” 😂
(Hey, he’s listening closely—which is what we’re supposed to do as husbands, right?)
LEARN
Financial Tip
Beware of the retirement “Red Zone”
The years just before and after retirement are often called the retirement “red zone” because major market losses during this time can have a much bigger impact on your long-term financial security. When you’re no longer contributing regularly—and may soon begin taking income from your accounts—large downturns can be much harder to recover from, making proper planning and risk management especially important. (Learn more here about sequence of returns risk).
Great Resource!
PlanEnroll Learning Center
Don’t let the name scare you away, you don’t have to enroll in any plans to access this vast library of Medicare and Life Insurance educational content. :) It’s the learning library for the Medicare plan platform I use, so I’m able to share this link with people that want to learn all about Medicare and Life Insurance. There is so much good info in here that you could get lost for hours finding answers to questions you’ve always wondered about. (Link here)
Fun money fact
Each dollar amount has its own lifespan.
Money doesn’t last forever, but some dollar bills have a longer life cycle than others. According to the Federal Reserve, a $10 bill has the shortest lifespan while a $100 bill has the longest. Here’s the estimated lifespan of the different denominations:
• $1: 7.2 years
• $5: 5.8 years
• $10: 5.7 years
• $20: 11.1 years
• $50: 14.9 years
• $100: 24 years
(Source)
PONDER
“Humility is not thinking less of yourself, it's thinking of yourself less.”
– Rick Warren
Disclaimer: All information provided is for educational purposes only and does not constitute investment, legal or tax advice, an offer to buy or sell any security, insurance product or any other financial product.
For Medicare: Currently, we represent 12 organizations which offer 90 products in the Southern Colorado area. You can always contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program for help with plan choices.
Read our full disclosures HERE.
Copyright (C) 2026 Refuge Financial Solutions. All rights reserved.
