Blog Feed
Should the Higher-Earning Spouse Delay Social Security?
There are dozens of Social Security "strategies." Should the higher-earning spouse delay Social Security as long as possible?
Should You Invest At All-Time Highs? [Redux]
Not only is the stock market at an all-time high, but valuations are also creeping higher. Should we be *selling* some stocks?
Planning For Your Healthcare Costs, To and Through Retirement
How do healthcare costs change - and how do we plan for that? - during the different stages and phases of your retirement?
Your Only Retirement Constant Will Be Change (Turn, Turn, Turn)
Some of us retire at 70. Others at 40. But no matter your retirement age, your retirement will change over time.
Too Much in 401(k) and Tax-Deferred Accounts?
401(k) accounts are ubiquitous. It's common to see large 401k balances. But is there such a thing as "too big" a pre-tax bucket?
Too Much Risk? The 6 Components of Behavioral Loss Tolerance
What are the six components of "behavioral loss tolerance," and where do you stand as an investor?
Even Multi-Millionaires Can’t Get This Basic Idea Right
I suppose a lot of this comes down to how much "wonderful" you want, and where you’re willing to sacrifice for your "wonderful."
0% Capital Gains vs. Roth Conversions: How to Optimize in Your Financial Plan?
If I have limited space in my financial plan, am I better off paying 0% capital gains or doing low-tax Roth conversions?
RMDs + Sequence Risk = Retirement Destruction?
Do required minimum distributions (RMDs) have a destructive synergy with the sequence of returns risk? Can this combo "sink your boat?"
Stocks For Wealth, Bonds for Sanity
This is why we own both stocks and bonds. They serve simple, important, and drastically different purposes.
Why I Don’t Offer Hourly Financial Planning
"I'd gladly pay you $150 or $200 per hour for a few hours of your time. I'm curious why you don't work hourly?"
Why I Don’t Offer Hourly Services
"I'd gladly pay you $150 or $200 per hour for a few hours of your time. I'm curious why you don't work hourly?"
The Retiree’s Financial Decathlon
What are the 10 most important aspects of a financially sound retirement, and how do we start preparing for that future today?
Your Retirement Withdrawal Order of Operations
A deep (and I mean *DEEP*) dive into optimizing your retirement withdrawal order of operations to make your money last.
11 Ways Retirees Damage Their Retirement Success
Want a successful retirement? Let's use the principal of inversion. We'll identify the common mistakes, and then NOT do those things!
Scar Tissue
We make daily financial decisions as a function of long-held beliefs. Some logical and well-thoughts beliefs. Others as a function of pure trauma.
“Asset-Liability Matching” Aligns Your Money to Your Future
I see some people thinking about their portfolios incorrectly, and a concept called "asset-liability matching" can help.
Stocks, Rock, and Two Blasting Speakers
Growing up, our neighbor was erratic. He was an unwell man, and it manifested in many ways. Today, we learn from him.
You Win or You Die…or You Just Have a Normal Retirement
On perfectionism, theory of mind, and finding a "good enough" path to get through retirement with flexibility.
Are Dividends and Income Part of My Retirement Withdrawal Rate?
If dividends and investment income are supporting your lifestyle, does that matter for "safe withdrawal rate" retirement math?