What Long-Term Stock Returns Should I Assume in My Plan?
People in the retirement planning community (especially online) do not have the right mental models long-term stock market returns.
The Best Interest »
retirement
Is the “4% Rule” Too Risky?
If you use the 4% rule to plan your retirement, are you exposing yourself to too much risk? Or not enough?
“Why Can’t I Take Social Security Early and Invest It?”
What if you take Social Security at age 62 and achieve amazing investing returns? Does the math work in our favor?
When *Not* To Rebalance?
Rebalancing is an important part of portfolio management. But we need to understand if it’s always necessary…
Accounting for Inflation in Retirement and FIRE Planning
Let’s discuss the proper way to account for inflation in retirement and FIRE planning. I lurk in some online personal finance forums, and what I… Read More »Accounting for Inflation in Retirement and FIRE Planning
How to Retire Decades Early
Let’s cover a basic concept that will shave years—if not decades—off your retirement date.
You’re Probably Using the 4% Rule All Wrong
The 4% rule is the most popular shorthand in retirement planning. And you’re probably using it wrong.
Six Decades
The market’s returns aren’t promised. The sequence of returns might not work in your favor. But you can still be a successful investor.
The Future is Now: What Years Will Your 2021 Savings Pay For?
My 2021 savings will pay for my lifestyle in 2040, 2059, and 2078 (if I’m lucky). And your 2021 savings will pay for your entire lifestyle in future years. This article will show you the math.
Ergodicity: The Coolest Idea You’ve Never Heard Of
Surely that’s a typo…ergodicity!? No, it’s right! Ergodicity is a powerful concept in economic theory, investing, and personal finance.