Getting Wild In Retirement

Cheryl Strayed was recently featured on the Outside podcast. Strayed authored the best selling book, later adapted to a feature film, Wild. The interview celebrated the 10 year anniversary of publishing her book, which was about backpacking the Pacific...

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How Low Can Your Bond Values Go?

Bonds play a key role in an investment portfolio. They serve as a ballast to offset the volatility of stocks, particularly when stock values are falling.  Since the start of the year, that’s exactly what stocks have done. So how are bonds holding up?&#...

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Challenges and Rewards of Traveling in 2022

Spring will soon be turning to summer. Travel is on our minds. Our family recently completed an awesome adventure. We backpacked in the Grand Canyon over my daughter’s spring break. We are also knee deep in planning our travel for the remainder of the ...

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April 2022 Best of the Web

This month’s selections start with a few perspectives on a topic front and center for many in this audience. How will we spend money and time in retirement? We discuss the eye popping inflation numbers released this month and a few suggestions to...

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Understanding the Time Value of Money

In January, Darrow wrote a post sharing his portfolio moves and performance in 2021. A reader left this comment in response: “I read (in another recent post) that your rough “best case” for a 50/50 portfolio moving forward was about 3.8% real rate of r...

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Can Work Make Your Retirement Better?

Imagine driving down the highway at 70 mph, radio blaring, with the wind in your hair. Then suddenly slamming your car into reverse. I recently heard this analogy used to describe the transition from saving aggressively for retirement one day to spendi...

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March 2022 Best of the Web

Articles cover a wide array of topics this month. We start with an exploration of psychological aspects of personal finance. These include unique psychological challenges for retirees: learning to spend from your portfolio and dealing with nearly unlim...

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How Do Rising Interest Rates Impact Bond Investments?

Last week the Federal Reserve announced the first of seven anticipated interest rate hikes this year to try to tame high inflation. Will inflation remain high, and if so for how long? How high will interest rates go? Over the past 40 plus years, inflat...

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Avoiding Retirement Regrets

Regret almost always occurs as a result of a decision we made. “If only I’d made this decision, or hadn’t made that one….everything could have been different.” In his book, The Power of Regret, Daniel Pink argues that we should look backwards at our re...

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What Will Your Tax Rate Be In Retirement?

What is your effective tax rate? What will your tax rate be in retirement? These are fundamental questions for financial planning. They help determine: Whether you should use tax-deferred or Roth savings accounts during your accumulation period. If you...

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February 2022 Best of the Web

Resources this month cover a wide variety of important topics. News continues to develop by the hour in Europe. We take a look at what the stock market has done historically in times of war. Retirement income is always a popular topic among readers. Ar...

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Assessing Your Financial Health

I achieved financial independence in my early 40’s, when I was still mostly ignorant of traditional ways of assessing financial health. A high savings rate can cover for a lot of mistakes and ignorance. In my CFP coursework, I recently learned a number...

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Are Real Estate Investments Worth the Effort?

Over the past few years, I’ve flirted with the idea of investing in real estate. But the combination of my aversion to debt and the idea that real estate is too much work has kept me from taking the plunge. A reader of the blog recently summed up my th...

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January 2022 Best of the Web

We’re only a month into the new year, and we’ve already had a wild ride in the markets. That seems like an appropriate place to start January’s selections. We need to make a lot of assumptions when planning for retirement. We will undoubtedly make mist...

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The Psychology of Saving Money

To begin the new year, I began coursework towards my CFP designation. My goal is to increase my knowledge of technical aspects of financial planning where I lack formal education or expertise in order to better serve this audience. At the same time, I ...

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What Are the Financial Advantages of Home Ownership?

I recently read JL Collins new book How I Lost Money in Real Estate Before It Was Fashionable. I also updated the most popular article on this site, Darrow’s Renting vs. Buying: The True Cost of Home Ownership. Each makes a compelling case for renting....

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Becoming a Beginner in Retirement

In his book Beginners, author To Vanderbilt notes that the label adult beginner “has an air of gentle pity” associated with it. He hypothesizes that most people feel safer doing things we’re already good at. Being a beginner puts you in uncomfortable s...

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My Investment Portfolio: 2022

The stock market soared yet again this past year, in the middle of a pandemic and even with signs of inflation looming. Markets are unpredictable. Sometimes the surprises are good ones. But we’ve had a lot of those the last few years, so be prepared fo...

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December 2021 Best of the Web

What a wild ride 2021 has been! The news was marked by heightened political tensions, a disastrous end to America’s longest war, and pandemic ups and downs. Economic events included continued massive government intervention, internet forums taking down...

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Early Retirement Tax Planning Checklist

‘Tis the season for year end tax planning articles. During our accumulation phase, I mostly ignored them. I like keeping things simple with finances. This was easy with regards to tax planning in peak earning years. We had two predictable sources of in...

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