Last summer, vacationing in the San Juan Islands, I read the hauntingly beautiful book, The Curve of Time. Written by M. Wylie Blanchet, the book … [Read more...] about Retirement Spending and Joint Life Expectancy
Are you near retirement? Are you realizing you want or need to bump your safe withdrawal rate? In other words, rather than going with the standard … [Read more...] about Bump Your Safe Withdrawal Rate
In recent blog posts, I’ve pointed out some flaws I see in the Mr. Money Mustache and Bogleheads philosophies for preparing for … [Read more...] about Small Business Entrepreneurship Better than Bogleheads or Mr Money Mustache?
Microsoft Excel makes it pretty easy for you to build a stock market Monte Carlo simulation spreadsheet. No, sorry, this spreadsheet won’t let you … [Read more...] about Stock Market Monte Carlo Simulation Spreadsheet
Last week, I blogged about the unreliability of long run stock market returns. And to provide an angle, I talked about and around the long run stock … [Read more...] about Myth of the Long Run Stock Market Return Chart
This week's blog post discusses five flaws I see in the Bogleheads investment philosophy. Two are pretty significant, I think. The other three … [Read more...] about Bogleheads Investment Philosophy Flaws: Problems with a Popular Approach
I’m slightly hesitant to talk about modeling portfolio leverage. The topic, in terms of personal safety, sort of resembles a discussion about how to … [Read more...] about Portfolio Leverage Modeling with cFIREsim and FIRECalc
Okay, an important first stipulation. I totally understand the allure of the financially independent retired early strategy. Further, I totally … [Read more...] about Financially Independent Retired Early: Flaws with Philosophy?
Buried at the heart of every personal financial plan is a critical percentage: an average retirement savings return estimate. And that leads to … [Read more...] about The Average Retirement Savings Return
This week, I want to talk about spotting investment scams. Okay, sure, a funny topic for a CPA to broach. But every year, our CPA firm sees a … [Read more...] about Spotting Investment Scams