Cash Flows in Retirement Planning
Cash Flows – Boring to Talk About Cash flows are a powerful tool in retirement planning. They are also extremely boring to talk about, and who wants to read a blog full of columns of numbers? You do? Ok, […]
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Letting Go
Letting Go If you want to control how you feel, consider letting go. Letting go is a feeling of relief and lightness that comes after freedom. You are now in control of your thoughts and feelings; involuntary reactivity is a […]
The Honeymoon Phase of Early Retirement
The Honeymoon Phase of Early Retirement The first several months of early retirement are the honeymoon phase. Once you finally “break the chains,” you go through a sequence of emotions that mark the first several months as unique. […]
Retire Into the Teeth of Sequence Risk
I Retired Into the Teeth of Sequence Risk Well, I did it. I retired into the teeth of sequence risk. Congratulate me now because I had a plan for when I retired. I often say that the most important part […]
Real Stories from a DIY Retirement and My Crypto Returns
Crypto Returns and Sequence Risk from When I Retired Two Years Ago (This blog was published when I had been retired for two months. This is an update of my real stories from a recent DIY retirement.) During the first […]
10-Year Rule and Retirement Accounts
The 10-Year Rule Increases Taxes What is the 10-year rule, and why is it important? After 2020, most non-spousal beneficiaries pay attention. The 10-year rule will cost you more in taxes passing on your pre-tax retirement accounts. Do […]
Callan Chart 2024
Callan Chart 2024: Two Decades in Review The Callan Chart is evidence that humans are pattern-seeking animals. From Rorschach tests to stuff seen in clouds, we seek to impose structure and design where there is none. So, too, with investors […]
Retirement: A False Dichotomy
Should I Retire: a False Dichotomy The question should I retire is not a yes or no question. Whenever you only have two choices, that’s a false dichotomy. There are always more than two choices if you are honest. […]
Performance Chasing
2023, an Epic Year of Performance Chasing This year is a great example of performance chasing. Flows into money markets are at record highs; meanwhile, despite massive Fed rate increases, the economy seems ok despite inflation spiking to 9%, and […]
