Mr. Money Mustache

FEBRUARY 25, 2025

The value of the S&P 500 index of stocks, where most of us hopefully have a good chunk of our retirement savings stashed into index funds, is up about fifty seven percent in just the past two years. Does this make it more vulnerable to a huge crash in the future, and will it affect my retirement? Its just basic math.

Marketing 66

Marketing Marketing Sales Portfolio 66

Discipline Funds

MARCH 6, 2024

Despite this, there are still some circles of the economic world that claim Monetary Policy has no impact or stranger yet, some say higher rates actually push inflation UP. The only people who say interest rates have had no material impact on economic growth are Americans. Rates have a disproportionate impact on consumption.

Banking 119

Banking Government Economy Assets 119

The Big Picture

MAY 7, 2025

And so I realized I was going to have to invest and save for my own retirement. I couldnt figure out where it came from; so I worked out the canonical math. I happened to live in a country that, uh, doesn’t have a functioning social welfare system or safety net. And if you understand asset allocation, you understand finance.

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Asset Allocation Medical Assets Management 147

Clever Girl Finance

OCTOBER 4, 2022

Recession-proof businesses can thrive despite an economic downturn. GDP is how overall economic activity is measured for a country. So, if you’re looking for recession-proof business ideas to switch into, then keep reading to find out which ones have the best chance of riding out an economic storm. Retail consignment.

Food 105

Food Economy Healthcare Economics 105

Trade Brains

DECEMBER 7, 2023

By enrolling in this course you will learn to manage your finances more effectively by mastering budgeting and portfolio creating for a healthy retirement corpus. From the above concepts you will learn how to approach financials and plan for your retirement goals with good risk management. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Mr. Money Mustache

MAY 20, 2022

Which has in turn triggered the more skittish stock investors to run for the exits and completely change their view of our economic future, flooding the financial news with red ink and scary headlines. Now that we’ve covered the background, we can get into some better news: This is all a normal, healthy part of the economic cycle.

Marketing 53

Marketing Marketing Retirement Investments 53

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. So I applied to Maryland State retirement.

Assets 147

Assets Management Portfolio Investments 147

The Big Picture

SEPTEMBER 12, 2022

And so, coming out of school, I studied Economics and Spanish Literature, and I applied to a — a program that actually targeted Liberal Arts majors. I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. It was at Bank One, at the time.

Clients 299

Clients Wealth Management Banking Investments 299

Sara Grillo

MAY 16, 2022

They charge $495 per month for on-going investment management, retirement planning and financial advice as-needed. This “advice only” financial advisor approach is an economical option for people who can do the implementation work on their own. Retirement Portfolio Partners. Firstmetric. Measure Twice Financial.

Financial Advisor 52

Financial Advisor Financial Advice Financial Planner Assets 52

The Big Picture

FEBRUARY 6, 2024

I’d say management consulting is any of the other thing that least at that time was the other career trajectory, just my personality, more of a math oriented introvert. And that a bit of that cult, Dick and Ike are both retired now. And I very much get the sense he has no interest in retiring. So I was at Harvard.

Valuation 130

Valuation Investments Investing Assets 130

Mr. Money Mustache

JANUARY 27, 2022

And since 2022 is becoming a year of interesting financial changes, it’s time to spark things up again, go back to our roots, and start covering some of the many subjects that are cropping up in this latest incarnation of our economic world. I am a retired, married Navy veteran living in beautiful (but expensive) San Diego.

Food 52

Food Retirement Math License 52

The Big Picture

JUNE 6, 2023

RITHOLTZ: if you’re one latte away from your retirement being messed up you got bigger … SETHI: Bigger problems. RITHOLTZ: What are your thoughts on the early retirement fire movement? It’s much deeper than math. SETHI: Yes. SETHI: I like any movement that gets Americans to think about increasing their savings rate.

Accounting 130

Accounting Numbers Budgeting Financial Counseling 130

Harness Wealth

MAY 14, 2025

Unlike federal forms, Hawaii tax forms often include state-specific adjustments and considerations that reflect the unique economic and social environment of the islands. The state also allows deductions for contributions to Hawaiis Prepaid College Trust Program and certain retirement income.

Taxes 52

Taxes Tax Planning Medical Consulting 52

The Big Picture

JULY 19, 2022

And when I was studying in university economics, I did not really get the passion. And I think that story still has some legs but sort of the key culprit then became demographics and retirement savers and the latest story now is in the sort of the one percent. My really first stroke of luck, I think, was getting that job.

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Investments Investing Valuation Portfolio 130

Good Financial Cents

APRIL 19, 2023

Building multiple passive income streams has an additional benefit in the short term: it can make you more resilient and better able to weather economic shocks, such as what was experienced with the past housing crisis and global pandemic. This is your nest egg. We’ll come back to this. Passive Income is all about protecting your time.

Accounting 105

Accounting Investments Investing Media 105

The Big Picture

AUGUST 15, 2023

SEIDES: Yeah, I wouldn’t measure it in terms of economic returns. RITHOLTZ: So hold the duration risk aside with those two, but just for an investor in treasuries, I know you’ve done the math before. Let’s jump to my favorite questions that I ask all of my guests, some of which I think I’m ready to retire.

Management 130

Management Investments Investing Government 130

Carson Wealth

MARCH 2, 2023

Tom Fridrich, JD, CLU, ChFC ® , Senior Wealth Planner We’ve all asked ourselves whether it’s too early to retire (usually after a particularly challenging commute or dealing with a difficult client). But even if you feel confident today, would it be reasonable to retire early? How Early Is Early?

Retirement 98

Retirement Taxes Accounting Financial Advisor 98

The Big Picture

JANUARY 21, 2025

But the numbers you can’t argue with, I mean, we all know that the brutal math of investing before costs investors collectively will earn the market return after costs. I realized I had enough to retire if I wanted to. And I think it partly depends on the economic comfort in which you grew up. It varies enormously.

Investing 147

Investing Investments Management Retirement 147

The Big Picture

JUNE 23, 2025

It’s sort of like math with dollar signs attached to it. 00:36:56 [Speaker Changed] And just to put some specifics on this, when, when we look at the broad economic consensus about tariffs, they’re generally perceived as inflationary, sort of a giant vat tax on consumers. I really like it. Maybe give it a shot.

Portfolio 130

Portfolio Marketing Marketing Banking 130

The Big Picture

NOVEMBER 15, 2022

Let Mr. Market do his thing and we’ll find out how we did when we get ready to retire. So as much as I’m personally still a pretty strong skeptic of active management, I mean, I understand the math, and the odds are not in your favor. I read all those academic papers, I understand where the math comes from.

Management 278

Management Assets Portfolio Marketing 278

The Big Picture

NOVEMBER 22, 2022

The Company Lab was the entrepreneurship and economic development center for Chattanooga and the surrounding areas, which include North Georgia, North Alabama, and Southeast Tennessee. RITHOLTZ: What’s some of the economic sectors within that area? My dad was a naval officer who retired shortly before I was born. RITHOLTZ: Wow.

Recruitment 147

Recruitment Engineering Banking Numbers 147

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing.

Banking 204

Banking Government Insurance Taxes 204

The Big Picture

SEPTEMBER 10, 2024

In doing so, I thought this conversation was really quite fascinating, and I think you will also, especially if you’re not only interested in equity, but curious as to how to combine various aspects of market functions, valuation, economic cycle, fed actions into one coherent strategy. But generally starts with the economic cycle.

Valuation 162

Valuation Clients Investing Investments 162

The Big Picture

AUGUST 29, 2023

So a variety of risk meetings, a variety of economic meetings. And when you saw the US Ag down 13% last year, for folks, again, who are investing for retirement and in their 529 plans, they’re not concerned about it. It’s also being part of the senior team that runs Vanguard, the business of Vanguard, right?

Portfolio 130

Portfolio Investments Investing Numbers 130

The Big Picture

MARCH 27, 2023

So you retire in 2018. since the ‘80s regarding economic mobility, that there used to be a huge ability to move up, or at least be in a better situation than your parents were. Tell us about how you saw this lack of diversity and the lack of economic mobility. But it was not a liquidity issue. ’08 RITHOLTZ: Really interesting.

Assets 285

Assets Investments Investing Management 285

Random Roger's Retirement Planning

OCTOBER 29, 2023

My wife and I started adding to an HSA pretty much when they first came to exist but it has been a few years since it made economic sense being self-employed. Yeah, that sounds pretty good (giving them the benefit of the doubt about the math)… pretty good for an equity. Not great for an equity but pretty good.

Insurance 96

Insurance Clients Math Portfolio 96

The Better Letter

OCTOBER 5, 2023

The biggest thing, though, was that my much-better-half retired. As you will see, to honor her retirement, students and former students lined the entire route from her classroom to our house to applaud her. Even worse, our economic and market models typically assume a “mild randomness” of market fluctuations.

Insurance 114

Insurance Food Asset Allocation Math 114

The Big Picture

AUGUST 20, 2024

00:03:14 [Mike Greene] So that was actually an outgrowth from my experience coming out of Wharton and you mentioned the, the, you know, the transition of people who tended to be skilled at math or physics into finance. People earn wages, whether it’s a retirement account or a tax deferred account or just an investment account.

Assets 173

Assets Management Portfolio Taxes 173

The Big Picture

JULY 4, 2023

.” It’s really helpful to have had five other meetings with people who sit at analogous funds that had losses that were just as big, and in fact, they may have contributed to those losses more and be able to tell him, first off, your fund, just by my math, has a $250 million management fee. RITHOLTZ: People will figure out.

Recruitment 147

Recruitment Management Numbers Banking 147

The Big Picture

JANUARY 24, 2023

STEVEN KLINSKY, FOUNDER, CEO AND MANAGING DIRECTOR, NEW MOUNTAIN CAPITAL: I come from the Detroit area of Michigan as a public school kid, went to University of Michigan and studied both economics and philosophy. RITHOLTZ: So it’s different math then I need 100x winner versus 99? KLINSKY: Well, thank you. KLINSKY: Yeah.

Investments 263

Investments Investing Numbers Banking 263

The Big Picture

DECEMBER 12, 2023

And I was a math nerd as a kid. You’re 34th, you’re retiring after 34 years and you trounce what’s really the more appropriate benchmark, I would assume the Russell 2000. So, so you set to retire as portfolio manager this year, you mentioned your two successors. You, you beat the s and p by 3.7%

Management 264

Management Investing Investments Retail 264

The Big Picture

JULY 29, 2024

So built in a retirement offering an insurance offering, expanded their mutual fund offering, expanded their ETF offering. Also the, the underlying philosophy of that just seems fundamentally wrong from an an economic standpoint. And they wanted to ensure that they had the investment platforms they needed to compete globally.

Clients 147

Clients Portfolio Financial Advisor Investing 147

Abnormal Returns

JULY 9, 2025

Podcasts Barry Ritholtz talks retirement with Christine Benz, author of "How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement." ft.com) Retirement Three things about retirement that Christine Benz has changed her mind about. wsj.com) On the bankruptcy risk of CCRCs. What Gen Z is facing.

Math 162

Math Retirement Taxes Portfolio 162

The Irrelevant Investor

AUGUST 9, 2018

There are a lot of economic problems that we'll face in the coming years. The median retirement account balance of people ages 56 to 61 is just $25,000. Whatever else happened, retired policemen and firefighters and teachers would be paid. workers participate in an employer-sponsored retirement plan. (

Economics 52

Economics Distribution Investments Investing 52

The Big Picture

APRIL 8, 2025

But let’s start with your background in your career, applied mathematics and economics from Brown and then a Harvard MBA. We’re serving family offices, we’re serving institutions, we’ve done acquisitions in, in the stock plan businesses, in the retirement businesses. Tell us what, what the career plans were.

Asset Allocation 147

Asset Allocation Wealth Management Clients Assets 147

The Big Picture

JULY 15, 2024

I started out math and, and physics, and in high school I was a rock star in math and physics. And that’s when we started to create the, the team that, you know, Dan was on, I was on Elaine Stokes, everybody’s retired except for me off that original team. And so I transferred to the business school after that.

Portfolio 147

Portfolio Banking Management Portfolio Management 147

The Big Picture

MARCH 21, 2023

If you’re anywhere from an individual to a pension fund, saying how much do I have to save to retire? My mom was a math teacher so — RITHOLTZ: Okay. My mom was a math teacher so — RITHOLTZ: Okay. He’s the genius in math. Now, if you’re sitting there saying, what do I need to retire?

Valuation 173

Valuation Investing Investments Numbers 173