I – BACKGROUND   I will try to keep this brief, but it’s important to lay the foundation. My retirement investing journey began in 1998, with a target-date-fund I believe. As time went on, as is my tendency, I wanted to learn more about investing and optimize. I found (somebody’s) book and low-fee/buy-and-hold/broadly-diversify became my…

It’s “interesting” how some people just don’t understand how mortgage rates work. There’s a train of thought that says: “as the Fed lowers interest rates mortgage rates will come down.” That’s just not so. The Fed only controls the Fed Funds Rate, which does impact floating rate instruments, like, say, credit cards and high-yield savings…

Been away, haven’t seen you a while, how ya been? Anyway, 70s soft-rock references aside, I want to write something down and publish it – in the hopes of copyrighting it. The term has to do with Artificial Intelligence (AI), and how important it is to be skeptical and careful when using AI (at least…

There’s this thing so powerful. It is the foundation of all achievement and accomplishment. Understood and applied, it will lead to a wonderful life of learning, growth and healing. Ignored, it will leave you bored, listless, unfulfilled and miles from ever reaching your potential. Howcani. Howcani will change your life, IF you learn how to…

The genesis of this post was wanting to sketch where I keep my “Cash & Equivalents.” Meaning: the money I want to keep as safe as possible, while earning the best yield, that I will need in two years or less. Before I get to the nitty-gritty on that, I want to begin by laying…

Everyone wants to be able to retire with financial security and peace-of-mind. Most people think they need a financial advisor to do so. In this (what turned out to be a long) post I will lay out the basic formula for retiring with enough, and how some types of financial advisors could leave us with…

So. Here I am, in the final month of the first quarter of 2024, wondering what to do with my (“un-invested”) retirement savings. (In a nutshell: believing the markets to be over-valued in 2020, I got out and went to cash… ) The S&P 500 and NASDAQ are at all-time highs, recession is (supposedly) nowhere…