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“The nature of human psychology is such that you’ll torture reality so that it fits your models.” Let’s not do that.

Some parts of the financial planning world are sheer cliffs. Take one step over that cliff and it’s a long way down.

We don’t need daily, weekly, monthly, or even annual market forecasts. When it comes to the stock market, you should care about decades.

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.