Should you maximize every dollar or maximize your peace of mind? This post looks at the fundamental clash between financial optimization and the “Sleep Well At Night” (SWAN) philosophy across cash buffers, Roth conversions, college savings, and paying off a mortgage early.
Sleeping Well at Night (SWAN) vs. Optimization: Choose Your Early Retirement Philosophy Read Post »
Standard financial education teaches us how to build wealth, but completely ignores how to defend it. When dealing with high-pressure wealth managers and complex products, survival requires mastering one crucial skill: looking a pro in the eye and realizing “No” is a complete sentence.
No is a Complete Sentence: Playing Financial Defense Against Financial Pros Read Post »
Everyone has a plan until they get punched in the mouth.” This post looks at why early retirement strategies often fail during a market crash, and why you need an Investment Policy Statement, including the specific sections, including asset targets, investment philosophies, and glidepaths you should include
I’m admittedly late to the blogging party. Blogs or originally “weblogs” became mainstream in the late 1990s back when flared
welcome to bridge and retire Read Post »
