Asset Allocation depends on Risk Tolerance Risk Tolerance and Asset Allocation are tied at the hip and depend on age and recency bias. How you understand risk—and how you balance the stock/bond proportion in your portfolio—is the most important decision […]
Stocks and Time People say that stocks get less risky the longer you own them. Stocks are riskier the longer you hold them. You know: don’t invest money you need soon. But for the money you need in retirement, […]
Intrafamily Loans Tax Implications If you have oversaved for retirement, you might consider giving your kids or grandkids a loan for a downpayment on a house. The tax implications of these intrafamily loans are important to understand. With […]
The opposite of scarcity is enough The opposite of scarcity is enough. Not abundance. In retirement, it is okay to be enough, and it is okay to have enough. Enough is the goal in retirement rather than abundance. Scarcity […]
The Moment You Knew He is a Narcissist The moment you know you are married to a narcissist. Retrospectively, it is easy to see red flags. Sometimes, it is also easy to see it in those around you. Before I […]
Shame and the Physician Burnout Epidemic Shame causes, exacerbates, and results from physician burnout. Yet shame is rarely discussed as an underlying risk factor for burnout or as a result of burnout itself. Pimping and other shame-based educational tactics […]
Calculate MAGI for IRMAA and ACA Tax Credits The MAGI calculation for IRMAA and ACA Tax Credits is vital but usually glossed over. When faced with a difficult calculation, it is easy to wave one’s hand. MAGI is used twice […]
Choosing between Premium ACA Tax Credits and Roth Conversions in Early Retirement Health care is perhaps the most challenging decision in early retirement. Healthcare insurance is expensive, yet the risk of inadequate coverage is potentially devastating. For an early retiree […]
From FI to Coast FIRE I went from Financially Independent (FI) at 48 to Coast FIRE when I was 49. Not much of a retirement! Well, that’s the grace offered by FI. You can work for money if […]
