What are the Long-term REAL Returns? Everyone is currently worried about inflation, especially those about to retire. A poor Sequence of inflation is a retirement risk and hyperinflation (and deflation) are economy killers. But let’s not be pessimistic! The question […]
Do I need more Large Cap Value? Most people are underweight Large Cap Value in their portfolio. I dived deep into my US equity holdings but am underweighting large value. Is there a large value premium that should have me […]
‘Identity Bridging’ in Retirement Let’s face it—some people are scared to retire. It’s not a matter of what to do with the time; it is a matter of what my identity is in retirement. Who am I once I retire? […]
Fungible and Asset Location Money is Fungible. Fungible is a funky financial term. Fungible means interchangeable. Or substitutable. A dollar bill in D.C. is the same as anywhere else. Indeed, $10 is worth two five-dollar bills or ten one-dollar bills. […]
Should I Retire: a False Dichotomy Whether I should retire is not a yes or no question. Whenever you only have two choices, that’s a false dichotomy. There are always more than two choices if you are honest. So, since […]
Imposter Syndrome and Retirement “Face it Til You Make It” is the cure for imposter syndrome. It is an obvious variation of fake it til you make it. We all face high-stress situations when we feel inadequately prepared. Imposter […]
Are lower expectations the key to a successful retirement? We demand a lot out of retirement. What if the key to a successful retirement is lower expectations? We spend a third or more of our life retired. After all […]
Freedom Freedom is the ability to respond rather than react. This means that the amygdala has detected a threat. And you become conscious that your body has detected a stressor. Viktor Frankl says: “Between stimulus and response, there is […]
Lock in Training Rates for Disability Insurance I’ve been giving financial talks to third-year family medicine residents for seven years, and I have been impressed with the degree of improvement in their financial literacy. The one exception is that […]