“Where Have all the Pennies Gone” is a collection of my post Covid articles from the pages of The Oakland Press. My favorite pre-Covid articles can be found in my first book, “A Thought for Your Pennies”. My firm, The Society for Lifetime Planning”, celebrated its 40th anniversary in 2025. So much has changed over the 40 years. The financial markets have been in and out of crisis mode numerous times, and yet many of the stock market indexes hover near their all-time highs. People are living longer than ever and many fear outliving their money. Over the last 40 years, saving for retirement has shifted from corporate America onto the shoulders of individuals. Few, if any, companies still offer pension plans to their employees. Not only have pension plans disappeared, but the penny is no longer in production and will fade away in the coming years. AI is reshaping the world as we know it, so each one of us needs to anticipate that in the next few years the world will evolve like never before. Government rules and guidelines seem to change every year. The investment world, driven by technology, seems to change by the minute. While much has changed, what remains constant is the good, solid, practical advice offered in these columns. I often tell people we live in a Yoyo (You’re On Your Own) world. I think you will find this book both helpful and enjoyable.