Five Things I Do Choose to Optimize (Even Though I Value Sleep)
In a recent post, I listed five things I choose not to optimize in favor of sleeping well at night
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The Risks Nobody Talks About: Fraud, Fees, and Financial Decisions as You Age
When people think about financial risk, they are usually picturing market volatility. They worry about a concentrated stock position that
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The Ethics of Optimization: Tax Credits, Safety Nets, and Social Contracts
Is accessing means-tested public subsidies as a wealthy early retiree legal, moral, or both? Part 6 explores the ethics of FIRE optimization, and offers three practical tests to determine where to draw your personal ethical line.
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Sleeping Well at Night (SWAN) vs. Optimization: Choose Your Early Retirement Philosophy
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.
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No is a Complete Sentence: Playing Financial Defense Against Financial Pros
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.
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Everyone Has a Plan Until They Get Punched in the Face: Why you need an Investment Policy Statement
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
welcome to bridge and retire
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 »