I use the 12 months ending November 30 to calculate our Safe Spending Amount for the upcoming year (SSA, Chapter 2, Nest Egg Care [NEC]): that’s what we can safely sell from our portfolio for our spending and know that we will not

My sister-in-law called and wanted me to help her understand how close she and her husband might be to crossing an IRMAA tripwire. I said I would send a spreadsheet. She said she did not know how to use a spreadsheet. I gave her the

Popular press reports and indicators of value like the Shiller’s analysis of P/E ratios say the US stock market is way overvalued. Some experts are predicting a crash due to massive government debt, over-hyped AI expectations, Trump’s tariffs and trouble in the lending markets. We

Patti and I are one month away from our calculation date of our Safe Spending Amount (SSA, Chapter 2, Nest Egg Care [NEC]). October returns were about 1.5% for our portfolio. We hit a new high-water mark. We’re on track for about a