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I'm not sure if this is the right place to post this but here is a plot from the St Louis Fed showing the excess of US retirees in the 2020-2022 period versus predictions. If I understand the plot, during this period there were nearly 3 million excess retirements over predictions. A link...

Excuse me if this is too basic a question. When I was employed, I had a dogs' breakfast of retirement plans (e.g. 401a, 457b and 403b) from several companies (Fidelity, Vanguard and TIAA). Now that I am retired, I really want to simplify and roll these over to an single IRA. For reference, I...

Our target allocation for US vs non-US stocks is 2/3 US and 1/3 non-US, but thanks to the thriving US stock market, our allocation has drifted to more like 80/20. If you compare the PE10 for US versus non-US, you can see that the US stock market is overvalued relative to the non-US market by...

With tongue firmly in cheek, here is my annual PEP after going half time on June 20, 2017. Personal - Family: Watched my DD graduate from college. Was able spend the time helping my DS as struggled with life/career issues. Had a long visit with my dad weeks before he...

William P. Bengen's paper appeared in the Journal of Financial Planning http://www.retailinvestor.org/pdf/Bengen1.pdf This was the first time a "safe" withdrawal rate of 4% was calculated for a 30 year retiree with a mix of stocks and bonds. The Trinity Study and on-line tools like Firecal...

A number of recent articles have suggested that those who have been able to retire early have just been lucky. Really? Maybe there are some who have FIRE'ed because of a windfall like a stock buyout or an inheritance. However, I suspect that the majority have just tried to follow the basic...

A mining town on the edge of the desert has built a dam to hold the water it needs to survive. Each year the rains come. In some years the rainfall is enough to replenish the reservoir, but in other years evaporation depletes the water level. How much water can the town draw from the...