Choosing between Premium ACA Tax Credits and Roth Conversions in Early Retirement Health care is perhaps the most challenging decision in early retirement. Healthcare insurance is expensive, yet the risk of inadequate coverage is potentially devastating. For an early retiree […]
From FI to Coast FIRE I went from Financially Independent (FI) at 48 to Coast FIRE when I was 49. Not much of a retirement! Well, that’s the grace offered by FI. You can work for money if […]
Rumination and Narcissistic Abuse Rumination is named after ruminant animals who re-chew their food. It is an unpleasant experience of repetitive thinking that causes disagreeable emotions such as guilt, shame, anxiety, and depression. Rumination is common during and after […]
Selling Your Winners: Tax Strategies What are some strategies for selling your winning equities? If you have highly appreciated equities, what should you do with them, considering tax strategies? It is a common problem, as people sell their losers and […]
Quiet Quitting in Medicine Quiet quitting in medicine is topical, given epidemic levels of burnout in physicians. While burnout is increasingly discussed, quiet quitting in medicine offers a new spin. Though perhaps paradoxical or contradictory, it has nothing to […]
Mandelbrot, Chaos Theory, and The Misbehavior of Markets Stock market returns are not just random—they are randomly random. That is, stochastic. While I love the word stochastic, it and Chaos Theory are poorly understood by ordinary people. This is […]
Rick’s ideas on the Education of an Index Investor.
A Less Expensive Variable Annuity Option: IOVA IOVA Annuities can be less expensive than other Variable Annuities and can be considered if you want to repurpose other expensive insurance products. Regular variable annuities are expensive, complex, and can be full […]
How to Beat Your Insurance Agent’s Returns Last time I discussed how to beat your stock broker’s returns, so now I thought it was high time to do the same for the insurance agent’s returns. How can you double […]