FIRECalc builds many historical sequences of stock and bond returns in history and displays how a portfolio will fare over time for all the sequences. Nest Egg Care uses THE Most Harmful sequence as the baseline assumption for determining a Safe Spending Rate in retirement

Dammit. It got me. I have no idea how. I’d put myself in the super cautious category. I wear a mask when others don’t. I avoid crowds. I hope you have not gotten it and won’t, but an article I read said roughly 50% of

In a way this is a silly question. $500 is worth $500, but in my case $500 isn’t worth much. Last week I locked up $10,000 of what I have in money market or interest-bearing checking to buy an I-Bond that I cannot redeem for

Oops. This is getting serious. My stocks are down more than 17% from the start of the year. My bonds are down more than 9%. (And the real declines are greater when I adjust for inflation.) Those are steep declines. Not nearly as steep for

The purpose of this post is to provide information on recent trends in inflation. We’ve all been hit with inflation: it hurts our spending power; both stocks and bonds react negatively to increasing inflation. The last time it was this high was about 40 years