Posted on February 24, 2026

Last time I talked about the silliness of the “4% rule.” It is flawed for many reasons. The big one is it forces you into bonds and cash you don’t need. Also, it probably is based on a portfolio you have had for years and you were …

Posted on February 22, 2024

Each day this year about 11,000 people will turn 65. The last 10 years of the Baby boom Tsunami is starting now. These new retirees will face a second Tsunami. The flood of terrible advice on how to access their funds. There are a lot …

Posted on August 13th 2026

AI, AI, AI, that is all we hear. And most of us don’t know much about it other than using it for a novelty item, changing pictures or improving a paper. My Substack is and will be AI free. AI writes way better.

This AI trade is multiples …

Posted on August 26th 2026

Hindsight Bias- Logical Fallacy #6

Hindsight Bias is very common and one of the worst fallacies we can have when investing for the long term. Let me explain.

I can’t tell how much I hear this bias. It is related to “should statements”. You …

Posted on January 1st, 2026

Engaging a financial advisor is like having an ally in your corner, someone committed to ensuring that all aspects of your financial life are in harmony. Such expertise can be particularly beneficial at milestone moments: buying a …

Posted on August 3rd, 2025

I have been following this Big Beautiful Bill (hereafter BBB) closely for the last few weeks. No matter how many good things it contains the left will hate it. And they have been attacking it with phony math and lies non-stop, saying it …