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Good article in Morningstar on using a TIPS ladder at today's rates plus a slug of equities to guarantee a SWR that (according to Reckenthaler) a conventional stock:bond portfolio is unlikely to match. https://www.morningstar.com/bonds/high-tips-yields-are-retirees-best-friend

Thought this might be of interest to some here. Well-known financial advisor Allan Roth along with David Enna at TipsWatch and a few others have been calling for firms to come up with TIPS ETFs that essentially allow investors to build a TIPS ladder without the big bid:ask spreads, trade...

DW and I are flying into Nice in early September and spending 3 weeks. It's been 5 years since we were in France and we had an aging relative in tow last time and so were pretty restricted in our travel options. We know the area around Mt. Ventoux and the wine villages of the Southern Rhône...

Carson is always worth reading but I especially appreciate his clarity and historical perspective about this topic. https://awealthofcommonsense.com/2023/02/should-you-protect-your-portfolio-against-a-possible-u-s-debt-default/

The venerable John Greaney, who as far as I know was the first person to have a website devoted to the then-new notion of FIRE, only posts a couple of times a year now but when he does it tends to be memorable. Here's his update on the financial realities of Medicare Advantage, just in time...

Typically excellent post by David Enna on why one might want to set up a ladder of 13 and 26 week TBills on auto-roll (possible at most brokerages - Vanguard excepted)" https://tipswatch.com/2022/09/21/short-term-treasurys-even-more-attractive-now/ Given raging inflation and the very real...

I know many folks here share my admiration for the well-known former WSJ finance columnist Jonathan Clements and his "Humble Dollar" site. I've recently been rereading two posts from that site. One is from Clements himself and is two years old...

The latest post from the always-worthwhile TIPS Watch site is an especially good one, IMHO. Well worth taking the time to watch the short video linked to within it. Interesting to hear why comparisons of inflation today vs. decades ago are dubious at best. Actionable conclusions seem pretty...

I'm finding this new book by Dr. Jordan Grumet to be the most important ER-related reading I've done in years, and from the reviews of it on Amazon and other sites I'm not alone. Grumet is both a proponent and thoughtful critic of the ER movement. Given that he's a hospice doctor his insights...

The current long thread here on this being a "golden age" for fixed income investing inspired me to share this even longer thread on Bogleheads: https://www.bogleheads.org/forum/viewtopic.php?t=382830 There's no need to read all 540 posts (!) and counting in the thread, as the main points are...

Worthwhile article by Larry Swedroe: https://www.advisorperspectives.com/articles/2022/04/25/which-asset-classes-protect-against-inflation Not a whole lot of safe places to hide for the average investor it would seem. Diversifying equities seems to help (value doing "less worse" than growth...

I enjoyed this new guest post on the "Can I Retire Yet?" blog about options in real estate investing: https://www.caniretireyet.com/real-estate-investments-worth-effort/ I especially appreciated the way the author presents real estate investing options in increasing order of time and...

Dr. Bernstein reflects on living through the October 1987 stock market crash and lessons learned. Witty and wonderful as always, and made more special (for me anyway) by being on Jonathan Clements' "Humble Dollar" site. The two have them have certainly been beacons of sanity and clear thinking...

I know many here subscribe to Mike's newsletter (and many more are grateful users of his Open Social Security site). Hopefully this new post by him will inspire a few more folks to follow him. He's invariably concise and wise in his advice, and this time he takes on a topic that comes up...

There's an excellent new article on the Portfolio Charts site that should be of special interest to those trying to avoid "left tail" risk while still enjoying decent returns: https://portfoliocharts.com/2021/12/16/three-secret-ingredients-of-the-most-efficient-portfolios/ There's much of...

Fun piece in today's NYT that includes a couple of choice quotes from William Bernstein: "Why do men trade too much? Professors Barber and Odean chalked it up to overconfidence. And where does overconfidence come from? William J. Bernstein, a neurologist who turned his attention to investing...

I imagine quite a few here are familiar with some of Wade Pfau's writing. I'd read a number of his papers and one previous book but I have to say his new one is head-and-shoulders above anything else I've read by him or anyone else in comprehensively addressing all of the major decisions faced...

Thought I'd share this new post from the estimable John Greaney, who I think of as more-or-less the pioneer of writing about ER since he's been blogging about the topic since 1996 (and, delightfully from my perspective, his web site looks the same now as it did then). It took him 25 years but...

Thought I'd share this both because it's excellent and to encourage anyone who doesn't yet follow this long-standing blog who has an interest in inflation protection to do so. https://tipswatch.com/2021/09/07/i-bonds-vs-tips-whats-the-best-bet-for-inflation-protection/

DW and I met in Seattle and lived there during my early working years but moved on to Colorado and Arizona. Most of her family is still in Western Washington so we return regularly for summer visits. No desire to ever spend extended time in the rainy gloom (and nowadays gridlocked traffic and...

I recently read an article that pointed out that most of the places folks are flocking to during this COVID relocation spike are exactly those locales that are most susceptible to spikes in high temperatures, water shortages, flooding, etc.: Florida, Texas and the Southwest. This article has a...

Apologies in advance if this has already been posted and I somehow missed it, but this came my way via a Mr. Money Mustache post and I thought it was very good...

We’ve been living in Tucson the past few years and while we love the community, amenities and the hiking and biking from November through April the summers just keep getting more brutal and climate models say 5+ months of triple digit highs (and - much more important for actual comfort) mid-80’s...

I thought this article on Bloomberg by one of the architects of DFA's retirement income funds was well worth the read: https://www.bloomberg.com/opinion/articles/2021-05-14/retirement-savings-may-not-go-as-far-as-you-think For those contemplating (or already in) ER it can be easy to miss the...

"Nearly everyone who purchases health insurance under the Affordable Care Act (ACA) Marketplace plans will benefit by the changes enacted as part of the American Rescue Plan Act of 2021. In summary: Early retirees with an income 100%-150% Federal Poverty Limit (FPL), who already paid little for...