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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.

If we think that the stock market is overvalued right now, doesn’t it make sense to sell some stocks and move that money to cash?