When I wrote Nest Egg Care (NEC), I used data for stock and bond returns starting from 1926. I displayed FIRECalc results for 72 23-year sequences in Graph 2-4. I highlighted the most harmful sequence – a blue line on that graph – as

Did you summarize your 2021 tax return in a format that is understandable to you? I find the 1040 form confusing. You can spend a bit of time to reorganize it so it’s much easier to understand. The purpose of this post is to provide

This is something last I thought about in detail when I first went on Medicare, but the purpose of this post is to pass on some of my thinking on supplemental insurance coverage to Medicare. The key criterion was to be able to go to

Bonds have declined steeply since last September, by roughly -13% real return. Our brokerage statement shows that Patti and I are barely above water on our total bond holdings: the current market value for our bonds is only a shade better than the cost basis

Patti and I use her life expectancy as the number of years we want for Zero Chance of depleting our portfolio. I use the number of years to get our age-appropriate Safe Spending Rate (SSR%). I use that rate the first week of December to