Personal Finance
Thoughtful writing on retirement, investing, taxes, and family wealth decisions. Numerical examples illustrate a method; rules and individual circumstances can differ.
- 2026→
The Rental Property Retirement Plan
Why rental wealth and spendable retirement income need separate calculations.
- 2026→
Making Room for the Active Years of Retirement
A flexible approach to retirement spending that makes room for travel without ignoring later-life risks.
- 2026→
Where the 4% Retirement Rule Came From
The assumptions behind the 4% rule, and why early retirement returns matter more than a single percentage.
- 2026→
Work, Wealth, and Freedom in The Razor's Edge
Maugham's novel asks what financial freedom is for, whether or not we keep working.
- 2026→
What Does Working Five More Years Really Buy?
A simple model for comparing retirement now with five more years of work—and its limits.
- 2026→
Who Might Need a Family Trust?
A practical framework for thinking about trusts, beneficiaries, control, and taxes.
- 2026→
A Retirement Question Hidden in Dumas
A literary reflection on the freedom to choose how to spend our remaining time.
- 2026→
Borrowing Against Investments: Liquidity, Cost, and Risk
What a securities-backed line of credit can do, and why borrowing is not a tax-free spending plan.
- 2026→
Direct Indexing and the Real Value of Tax-Loss Harvesting
How owning individual index stocks can create tax-planning opportunities—and what it cannot do.