2025

Retirement is a balance between short-term low-risk pessimism and long-term high-risk optimism. Sufficient returns, sufficient safety.

A lotto winner chose $1000 per week over a $1M lump sum, and the critics howled. But I don’t think they’re right.

This stuff can be complex. It has nuance. It deserves serious attention. Minor misunderstandings can compound.

I am writing this post for one reason – to debunk a terrible, bullsh** study which concludes that: “The later you retire, the earlier you die.” 

Let’s spell out an example of how tax-gain harvesting actually works in practice.

In the purest mathematical way, mortgages eventually hit an asymptote. Long-duration mortgages become identical to infinite mortgages.