Monthly Older Posts: December 2017

Tell me again: why do Patti and Tom have this mountain of cash that is More-Than-Enough for current spending?

In our Recalculation the first week of December, Patti and I found that we had far more than enough to support our current spending. A small mountain of cash: +$147,000 per $1 Million starting Investment Portfolio (December 2014). And a calculation of a new Safe

What’s our Financial Retirement Plan for 2018 look like?

Yep. It’s a hockey stick with that inflection point locked in right where I want it to be – 2035. That’s zero probability of depleting our portfolio for 18 years. The Safe Spending Rate (SSR%) of 4.75% and other original design decisions determined the shape

Whooowee. I made two changes to our plan this year.

I reviewed our extensive Retirement Financial Plan (Written out, it fits on a 3 by 5 card.) and made the following changes:


1. On my 3 by 5 card, I erased the $46,100 that I had written in pencil last year for our Safe

It’s December 15. My day spent bottling the wine I’ll drink next year.

This is my imagined task every December 15. I even mark this day as Bottling Day on my calendar. Why do I do this? To imagine my portfolio differently.


We all need to form our view of risk tolerance. The real shape of my

Our 15% “Pay Raise” Calculation. December 2017.

If you follow the CORE in Nest Egg Care, you Recalculate this general time of year. You may have Recalculated using your 12-month results ending October 31 (like Alice) or November 30 (like me now). Perhaps you will use December 31.



A perfect gift idea for your loved ones: start 529 College Savings Plans

This is the time of year that we all think about giving to others we care about. If you’re like Patti and me, you have some left over from your 2017 Safe Spending Amount. Or, if you’ve recalculated for next year (following the CORE),

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