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
A few weeks ago, in a blog post about income tax brackets, I pointed out that some people who make $100,000 a year pay zero income taxes. That “pay … [Read more...] about Pay Zero Income Taxes on $100,000 of Income