I’ll rebalance back to my design mix in the first week of December. I want to review my choice, since the math has changed slightly as I described in last week’s post. I will now apply my choice of mix of stocks vs. bonds

This is a good time of the year to reassess your choice of mix of stocks vs. bonds. The purpose of this post is to convince you: you should not have less than 75% mix of stocks for your total retirement portfolio. The safety

Inflation has been 5.9% over the past year based on the way Social Security (SS) calculates its Cost-of-Living-Adjustment. (See here for how SS calculates.) That’s the most since 6.1% inflation in 1990. (See here.) The purpose of this post is to describe what that

Hello from Montepulciano, Italy. Patti and I have been in Tuscany for 12 days now. This is the second of two international trips we wanted to take in 2021. I usually write blogs to post ahead of time when we are traveling, but I didn’t

You probably are using too low of Safe Spending Rate (SSR%) for your calculation of your annual Safe Spending Amount (SSA). (See Chapter 2, Nest Egg Care (NEC).) My schedule of age-appropriate Safe Spending Rates (SSR%) is too low. (See Graph 2-7 and