Scare-Testing Your Risk Tolerance on Halloween

It’s Halloween as I finishing writing this, and soon little ghosts and ghouls will be lining up to score treats from my great-aunt. She’s lived...

XKCD on Credit Card Reward Optimization

XKCD has some clever observations about the pursuit of credit card rewards: I definitely spend more time thinking about optimizing things than is… optimal? rational? That’s why...

Morningstar Star Ratings, Still Less Useful Than Expense Ratios

For investment nerds, the recent Wall Street Journal article The Morningstar Mirage was high drama. The subtitle got straight to the point: Investors everywhere think a 5-star...

Early Retirement Income Update 2017 Q3: Do I Have Enough Yet?

How do you know when you portfolio is enough to retire on? You have to figure out a withdrawal strategy first. This is...

Early Retirement Portfolio Asset Allocation, 2017 Third Quarter Update

Here is an update on my investment portfolio holdings after the third quarter 2017. This includes tax-deferred 401k/403b/IRAs and taxable brokerage holdings, but excludes things like...

Housing Has Higher Long-Term Returns Than Stocks?

I finally got around to reading an academic paper that looked a bit dry but had a great title: The Rate of Return on Everything, 1870–2015 ...

Social Security Provides Majority of Retirement Income for Most Americans

The Washington Post has a rather depressing article on The New Reality of Old Age in America, which includes the following chart about Social Security: For 1/3rd of...

RealtyShares Update: My First Loan Default and Foreclosure Recovery (Ongoing)

Here’s an update on my debt investment at RealtyShares. The borrower stopped paying for unclear reasons, and as a result this is my...

4 Supermoms Tell Us How They Balance Working from Home with Raising Kids

Many moms want to work from home and be “mompreneurs.” It would make things so much easier, right? Hanging out in your PJs all day while answering...
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