Every year I play the game with my Sirius / XM Radio service. I have it in my SUV and use the app on my phone. I’m not a huge user, but I do like having it. The ongoing problem – as with many subscription services – is that they jack up the price every year if you don’t renegotiate. Over the last year, I’ve … Continue reading AI-Driven Savings
It’s been about three years since we started playing the “Savings Rate Game” (LINK) with Bank CDs and Treasury Bonds. That is, having to manage the savings rate of our cash holdings closely. The 3-Year Treasury rate is now at about 3.5%, down -0.6 pts from one year ago today. When Biden took office in 2021, the 3-Year Treasury was just 0.3%. We didn’t even … Continue reading Savings Rate Game Revisited
I took Monday “off” this week from posting. I’ve kept a pretty tight schedule of posting on Mondays & Fridays for years, but I figured I’d just post once this week. The reason is that we were simply enjoying early retirement. There’s something about the winter in Florida that makes retirement feel more real and enjoyable. If retirement is like “permanent vacation”, it feels especially … Continue reading No Responsibility January
Since we’ve been chatting about 2025 investment returns, I thought I’d share this article about Dave Ramsey advocating an 8% “safe withdrawal rate” (SWR) for retirees. I generally think Ramsey is a pretty sensible guy – encouraging people to get out of debt, invest in index funds, and build generational wealth. Still, the idea of an 8% SWR seems more than a bit wild to … Continue reading How High Can You Spend?
Frequent contributor, Klaus Wentzel, mentioned that his dividend-driven portfolio was roughly +8.5% in 2025, after netting out the year’s living expenses. I’m watching the Sugar Bowl right now, so I thought I would add up how our portfolio ended the year. For benchmark’s sake, the S&P 500 was +16.6% (x-dividends) and the bond market (VBMFX) was +3.0%. We finished the year with a pleasing +14.3% … Continue reading Terrific 2025 Returns
Wednesday is the last day of 2025, so I thought it was a perfect time to assess the “expert” predictions from New Year’s Eve last year. I looked up a bunch of predictions at the time, and at the end of the year, only 6 of the 14 have been resolved positively. 8 of the predictions were worse that expected. The immediate economy looks like … Continue reading New Years Predictions Assessed
I turned 59½ this year. As we get close to the end of the 2025, that means we now have a green light into our 401Ks. With paid corporate board work behind me, our income has dropped sharply—in a good way. No W-2s, no consulting, just modest interest and dividends. We’ve been living off cash from selling our rental property, which has pushed our federal … Continue reading End of the Year Roth Conversion
Just a quick post this morning to share this chart I came across from Visual Capitalist. I’m sure most readers here understand the difference between “mean” and “median”, but the gap between these is pretty shocking. I’m sure many would look at the “median” column and think they are doing OK. The fact is that half of these people are in a tough place if … Continue reading Mean vs Median Wealth
We went to my Mom’s senior center apartment on Saturday and enjoyed walking around a Holiday Boutique they were hosting. One of my brothers was there, too. While I was there, I took care of a couple bills she had. My Dad passed away last year and I became the primary “money guy” for my Mom. I had started taking care of their checkbooks, … Continue reading Long Term Care & Insurance
Happy Halloween! Candy prices are up this year, but we’re still splurging on the full-size chocolate bars. We switched to the big bars 10 Halloween’s ago – the year I early retired. My AI research tool thinks that the price of Halloween candy has roughly DOUBLED since 2016, so you might think we’re cutting back. No, our stock market investments have gone up … Continue reading Happy Halloween Splurge
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