I use November 30 as our calculation date to determine our Safe Spending Amount (SSA; Chapter 2, Nest Egg Care (NEC) for the upcoming year. This post shows the checklist I ran through this week. I think November 30 is a good 12-month

A reader – I’ll call him Jim – wrote and wanted my views on a financial instrument called a Single Premium Intermediate Annuity (SPIA). Earlier this year, before he had read Nest Egg Care (NEC), Jim purchased for $500,000 an annuity that pays

New data on inflation came out yesterday, and US stocks jumped +5.7%. WOW! That’s the third month with big changes on the day of the monthly report on inflation. The jump for stocks in October was +2.5% and the dive was -4.5% in September. This

For the ten months of 2022, the real return for US stocks is about -23%. If this is result for the whole year, 2022 would clearly rank in the worst ten years since 1926 and close to the worst five. This is not a different

Last week the news reported that the IRS announced the tax schedules for 2023 and some reports stated, “Some will be able to keep more money.” I think you’ve got this: this last statement isn’t true. Accurate inflation adjustment of the tax tables mean that