I’ll complete my first draft of our tax plan for 2022 the first week of August, and I’ll finalize it by the end of November before I’ll sell securities to get cash for our spending in calendar 2023. I gather some information this time of

I used to be THE MOST DISORGANIZED, tardy person in gathering the information needed to complete our tax return. I procrastinated and was very late in filing returns. It eventually became an all-consuming, stressful task to file our returns. I’m probably over-organized and over-detailed now,

I like looking at Vanguard’s Style Box (I call it a Nine Box.) at the end of the year to get a snapshot of what outperformed and what underperformed the US stock market as a whole. This post shows 2021 results. It was obviously a

It’s a week or two past the time of year that most of us judge how well our portfolios performed for the past calendar year. This post shows the nominal and real returns Patti and I earned on our portfolio in 2021and over the past

You can find predictions for the stock market ranging from 2022 as the start of the Most Harmful Sequence of returns in history to it’s going to be a normal year. Morningstar and others predict we are very close to THE STEEPEST drop in stocks