I spent time this week trying to understand the historical record of stock and bond returns. I mentioned last week that FIRECalc uses one source for stock and bond returns (Shiller) while I’ve used another for my spreadsheet calculations (Ibbotson). I looked at the detail

I spent time this past week reviewing my calculations of the age-appropriate Safe Spending Rates (SSR%s) that I display in Graph 2-7 and in Appendix D in Nest Egg Care (NEC). This post concludes the SSR%s that I first calculated in 2014 are

I imagine on the morning of each January 1 that Patti and I open a gift envelope from the much younger Tom to the older Tom and Patti. I imagine we open the gift envelope that held the $2,000 that I contributed to my Traditional

I’ll complete my first draft of our tax plan for 2022 the first week of August, and I’ll finalize it by the end of November before I’ll sell securities to get cash for our spending in calendar 2023. I gather some information this time of