Abnormal Returns

MAY 10, 2023

financialducksinarow.com) Retirement The math behind savings rates and retiring early. ofdollarsanddata.com) Make sure you know what you are retiring to. (techcrunch.com) Medicare Nothing about Medicare is simple. humbledollar.com) The ABCs of Medigap policies. tawcan.com) Behavior Can money buy happiness?

Math 238

Math Estate Planning Retirement Banking 238

Abnormal Returns

SEPTEMBER 13, 2023

(theirrelevantinvestor.com) Peter Lazaroff talks with Jesse Cramer about the math behind car ownership. peterlazaroff.com) Retirement How retirement can open you up to new possibilities. humbledollar.com) Some tips on how to boost your spending in retirement. barrons.com) When it doesn't make sense to move in retirement.

Math 147

Math Retirement Retail Banking 147

Abnormal Returns

SEPTEMBER 18, 2023

wiredplanning.com) Christine Benz and Jeff Ptak talk retirement income with Kelli Hueler, CEO and founder of Hueler Companies. riaintel.com) How to think about the math of entering a continuing care retirement community or CCRC. morningstar.com) The biz Charles Schwab ($SCHW) is proclaiming the TDA integration a success.

Planning 254

Planning Financial Advice Wealth Management Math 254

Abnormal Returns

JUNE 7, 2023

awealthofcommonsense.com) Home buying math is bad right now, but will it be any better a year from now? bloomberg.com) Personal finance Things to do before pulling the plug on your job and retiring. finance.yahoo.com) The case for semi-retirement. humbledollar.com) Financial planning means always adjusting your plan.

Math 217

Math Retirement Food Financial Planning 217

Random Roger's Retirement Planning

DECEMBER 17, 2023

change at retirement. Hopefully a mortgage is paid off, hopefully there are no car payments to make and health insurance at 65, if retired, should go down quite a bit on Medicare, especially if income goes way down. Once someone is retired, saving for retirement is one less expense too.

Retirement 68

Retirement Math Insurance Taxes 68

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Yahoo Finance had kind of a long read recapping an update from Morningstar about safe retirement withdrawal rates. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Retirement 67

Retirement Accounting Math Healthcare 67

Abnormal Returns

MAY 14, 2023

wealthmanagement.com) The math behind savings rates and retiring early. (humbledollar.com) Some lessons from the 2023 Berkshire Hathaway ($BRK.A) annual meeting. novelinvestor.com) The banking crisis isn't over. aswathdamodaran.blogspot.com) Inside Vanguard's bond indexing money machine.

Math 162

Math Portfolio Retirement Banking 162

Abnormal Returns

NOVEMBER 23, 2022

peterlazaroff.com) Retirement 'Work longer' as retirement advice doesn't work for everyone. marketwatch.com) Doing the math on an annuity in retirement. (monevator.com) You can't invest if you don't save. awealthofcommonsense.com) Why active management fails.

Math 147

Math Retirement Investing Investments 147

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 Financial Advisor Accounting 98

Darrow Wealth Management

OCTOBER 1, 2022

Is retiring with a mortgage a good idea? Retiring with a mortgage doesn’t typically pose a financial risk, and at times it’s the best financial decision. But paying off a mortgage before retirement has upsides also. Here’s when it may – and may not – make sense to pay off a mortgage before retiring.

Retirement 81

Retirement Taxes Math Wealth Management 81

The Big Picture

NOVEMBER 27, 2023

When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.

Marketing 286

Marketing Marketing Math Retirement Planning 286

Mullooly Asset Management

JULY 28, 2022

” In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions. In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions.

Distribution 52

Distribution Accounting Math Retirement 52

The Big Picture

MARCH 23, 2024

link] • Large language models, explained with a minimum of math and jargon : Want to really understand how large language models work? Now, in his most wide-ranging interview since his retirement, Federer reflects on his old rivals, his new passions, and the fresh sense of urgency that drives him: “I feel minutes matter more now than before.”

Math 171

Math Commission Insurance Government 171

Getting Your Financial Ducks In A Row

OCTOBER 31, 2022

It has further been estimated that as we approach retirement, this ratio increases to a factor of five times more pain for a loss as opposed to the joy we experience for a gain. There’s no shame in admitting that factor – for a lot of us, math can be very tough.

Math 113

Math Investing Investments Retirement 113

Integrity Financial Planning

FEBRUARY 3, 2023

Next, let’s face it, not all of us are exceptional when it comes to math. Taxpayers should always confirm that their math is correct, as this is one of the most common mistakes made when filing. [1] 5] Avoid Early Retirement Account Withdrawals if You Can! 6] Double-Check!

Taxes 82

Taxes Math Accounting Numbers 82

Integrity Financial Planning

JANUARY 23, 2023

For most, Social Security provides a solid foundation for retirement income. As you grow older and retirement looms on the horizon, the decisions you make start to have a more crucial impact on the amount of money you receive, so it’s important that you know what to expect.

Retirement 89

Retirement Math Retirement Planning Financial Planning 89

Carson Wealth

FEBRUARY 22, 2023

Matt Kory, Vice President, Retirement Programs As a retirement income vehicle, the 401(k) is second in popularity only to Social Security – and as CNBC reported in 2019 the number of 401(k) millionaires is at an all-time high. But is a million dollars even enough for your retirement needs? Just think of the numbers.

Retirement 98

Retirement Taxes Planning Math 98

The Big Picture

AUGUST 29, 2023

My Two-for-Tuesday morning train WFH reads: • Stock Pickers Never Had a Chance Against Hard Math of the Market : In years like this one, when just a few big companies outperform, it’s hard to assemble a winning portfolio. If you’re depending on income to fund your retirement, 5% rates are a blessing.

Insurance 130

Insurance Math Economics Economy 130

Random Roger's Retirement Planning

FEBRUARY 4, 2024

Today's post will look at a couple of different retirement articles that I stumbled into this weekend. The Economist posted an opinion piece titled Why You Should Never Retire that I found via a Thread from Unusual Whales. I don't think that everyone loses purpose by retiring or otherwise moving on to a new chapter.

Retirement 40

Retirement Math Government Taxes 40

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 92

Math Education Management Taxes 92

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

Random Roger's Retirement Planning

MAY 18, 2023

Bloomberg did a survey and found that Generation-X does not feel like it will be "financially prepared for retirement." Anyone closer to the younger edge of Gen-X could probably benefit by cutting expenses now, the impact of that could compound over the next 20+ years as they approach a normal retirement age.

Retirement 72

Retirement Wealth Advisor Math Medical 72

Yardley Wealth Management

JULY 20, 2022

Their retirement plan is strong, their kids are independent, and they are debt-free. They’re approaching retirement age, but it’s hard for them to imagine what exactly retirement will look like. We’d think about their life expectancy (never fun, but a necessary part of retirement planning). So—problem solved, right?

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. The only pension I am remotely close to is the Arizona Public Safety Personnel Retirement System. The concept of pensions is that they provide a security net to retired workers. Is he right? Is he wrong?

Retirement 45

Retirement Math Management Taxes 45

Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to retirement and more. Money stored in retirement accounts also is illiquid, since withdrawals are subject to lots of rules and take time.

Numbers 75

Numbers Assets Retirement Budgeting 75

Random Roger's Retirement Planning

APRIL 22, 2024

The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. I've been like a broken record for years on the need to avoid bonds that have any sort of duration or at least be extremely underweight duration versus the typical benchmarks.

Marketing 75

Marketing Marketing Financial Advising Math 75

Random Roger's Retirement Planning

JUNE 22, 2023

And then just a little math, the "guarantee" based on the 50/50 allocation would be 2.5% If you're trying to do something as simple as 50% in T-bills now yielding 5% and one equity proxy, don't make that one equity proxy a narrow bet like tech stocks. SSO is 2X S&P 500 and SPHB is the Invesco S&P 500 High Beta ETF.

Math 59

Math Portfolio Investing Investments 59

Discipline Funds

MARCH 6, 2024

Most of the bonds held by the domestic private sector are held in retirement accounts and by wealthy investors with a low marginal propensity to consume. This is the basic math behind what’s happened to every consumer who owns these bonds. Not nothing, but certainly not enough to move the needle of a $30T economy.

Banking 107

Banking Government Economy Assets 107

Random Roger's Retirement Planning

FEBRUARY 29, 2024

The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. The diversification benefits of intermediate and longer term bonds is not what it used to be. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 72

Marketing Marketing Math Portfolio 72

Nerd's Eye View

APRIL 12, 2023

When planning for retirement, it’s effectively impossible to precisely forecast the performance and timing of future investment returns, which in turn makes it challenging to accurately predict a plan’s success or failure.

Retirement 245

Retirement Retirement Planning Math Advertising 245

Mr. Money Mustache

APRIL 18, 2021

Because of the Internet, and to be honest a damned large dose of privilege due to having two educated parents always available because we were retired before he was even born, he has been able to feed his thirst for knowledge with incredible efficiency. CodeParade – great bits of coding, math, and graphics combined.

Education 52

Education Math Engineering License 52

Random Roger's Retirement Planning

APRIL 12, 2023

My experience is that the typical retired person/couple expects growth in exchange for some volatility from the equity portion of their portfolio, they don't want it from their fixed income sleeve. The presence of lower yields, that yes kept going lower, turned bonds, as opposed to bills and some notes, into equity beta.

Portfolio 66

Portfolio Math Clients Retirement 66

Clever Girl Finance

JULY 18, 2022

Do the math of your raise. Some quick math will reveal exactly how much extra income you’ll be working with in your monthly budget. The trap of short-term gratification in the form of luxury convenience can delay your plans to get out of debt, save for a down payment, or retire. Is it an essential item?

Budgeting 108

Budgeting Math Accounting Retirement 108

Yardley Wealth Management

OCTOBER 26, 2020

Social Security Retirement Planning . You really do get the extra 8% per year after you’ve reached your full retirement age. For most people, Social Security benefits make up a sizable percentage of their retirement income. The post Worried about your future Social Security benefits?

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Math 57

Math Retirement Numbers Portfolio 57

Clever Girl Finance

OCTOBER 20, 2022

Retirement accounts. Figuring out how to calculate liquid net worth is as simple as doing a quick math equation: Liquid assets - liabilities = liquid net worth. Don't worry—there is an answer to the question, "What is my liquid net worth" that doesn't involve solving math equations. What doesn't count as liquid assets?

Assets 59

Assets Accounting Math Portfolio 59

Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. You may agree with Jack about not needing those things, that's valid, my point is that owning an index fund isn't a proxy for them.

Math 70

Math Portfolio Marketing Marketing 70