Wealth & Risk

retirement planning

  1. 6 September 2019

    Baches (or: some terrible financial decisions can be great life decisions, and vice versa)

    File under: some terrible financial decisions can be great life decisions, and vice versa. Owning a bach is almost always the wrong call if you run the numbers — the opportunity cost on half a million…

  2. 10 February 2017

    A 30 year mortgage is too long

    Note: my views on this have evolved — I'm more comfortable with debt now and less inclined to treat a mortgage as an obstacle to investing. The original argument was that a 30-year term leaves too lit…

  3. 5 December 2014

    You shouldn't (and can't) save a fixed percentage of your income every year of your life…

    Common advice is to save a fixed percentage of your income every year for retirement, starting as early as possible. It's reasonable in the abstract. But it doesn't really match how life actually work…

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