Oxytocin and Healing Oxytocin is a neuropeptide hormone involved in childbirth, bonding, and attachment. As important, it is what allows self-soothing in the face of suffering. When you practice self-compassion, you get rewarded with oxytocin. Oxytocin—the tend and […]
What is the Long-term REAL Return of Stocks, Bonds, and Cash? I capitalized REAL because everyone is currently worried about inflation, especially those about to retire. Inflation does have a sequence risk, and hyperinflation (and deflation) are economy killers. […]
My Five-Year Plan for Happiness Will you be happy in five years? If you are happy now, you might also be in five years. If you are not happy now, why not? Why not choose happiness now? […]
Emotions Require the Serenity Prayer Emotions require wisdom to know the difference and just a touch of the rest of the Serenity Prayer. Managing your emotions requires unwavering authentic self-confidence. You must know who you are, or what Gen […]
Investing Over Your Lifetime If you want the best returns and are committed to using evidence-based investing (low-cost, broadly diversified index funds with a factor tilt), you need exposure to risk assets. How much risk you take, well, that is […]
Doctor “Financial Advisor” is Why Fiduciary is Meaningless Fiduciary is meaningless when describing financial advisors. Fiduciary is a shortcut for fee-only, meaning you don’t accept commissions or sell insurance products. But it doesn’t mean you provide common sense recommendations […]
Tractors and How the End Began I want to share with you the beginning of the end. This is the tractor letter; how the end began. The intention was to set a boundary, to discover myself. She responded with […]
Planning for a SEPP 72(t) and FIRE Learning about a SEPP 72(t) is a rite of passage on the journey to FIRE. Do you need a SEPP 72(t)? How can you model one? Or, wait, should I build a 5-year […]
Safe Withdrawal Rate Early Retirement Early retirement requires a lower Safe Withdrawal Rate. Not only is the future uncertain but there is also a longer future when you retire early! Also, it is more difficult to study the Safe Withdrawal […]
