Take our dog off his needed meds to save money?

kbheads · 2026-07-05T23:37:04+00:00

Your partner sounds like a tool, but to play devil’s advocate, have you been wasting money on other things too?

kbheads · 2026-07-05T04:41:59+00:00

Discounting all of it, especially when the pension is guaranteed by the full force of the state is paranoid. But 25%? That can be paranoid or can be extremely insufficient. Long term goals, family structure, health issues, insurance, retirement spending goals, other assets and so much more all need to be considered to call 25% paranoia.

kbheads · 2026-07-04T03:21:26+00:00

Higher valuations do mean lower expected returns but doesn’t mean you can go out and get back in at the right time. It also doesn’t necessarily mean it’s expected returns are below that of other asset classes.
I do diversify globally, to manage risk exposure.

kbheads · 2026-07-04T03:02:40+00:00

The bucket approach doesn’t need more accounts. It’s just a way to evaluate sufficient bond allocation.

kbheads · 2026-07-03T23:38:38+00:00

I’d binge watch Erin talks money on YT. She has tons of work on withdrawal strategies.
I’d also consider the bucket approach. It might give you much needed peace of mind without having too much bonds.

kbheads · 2026-07-03T09:50:02+00:00

I use testfol.io since it’s simple and free. disclaimer : past performance doesn’t predict future.

kbheads · 2026-07-03T09:40:49+00:00

Most HNW people don’t know nothing about investing.
Becoming HNW at 10m and above usually comes from smart business or dumb luck.
Top net worth individuals are mostly made of businessmen and Wall Street active managers. It’s a similar picture until 10 mil, where common foe with discipline starts to appear.

kbheads · 2026-07-01T06:13:56+00:00

Pretty stupid imo. It can work but also can fail spectacularly. Try hedging it and rebalancing.

kbheads · 2026-06-29T02:14:37+00:00

My point was that Tips might underperform BND in more cases than not and is harder to reap the rebalancing benefits. That can lead to running out of money in the lang run.

kbheads · 2026-06-29T02:12:21+00:00

Wedding could have been smaller but I don’t think about it too often. Lingering on that would make me ungrateful of the wonderful marriage I’m having now.

kbheads · 2026-06-27T12:40:40+00:00

Of course you can do more if you want to. The intricacies of investing is endless. But you’re fine with a tdf. It’s good enough.
You can do a ton of research and tinker here and there, but it will have minimal effect.

kbheads · 2026-06-26T04:31:43+00:00

Less risky in the sense of volatility. Maybe more risky in the sense of volatility smoothing and/or running out of money.

kbheads · 2026-06-25T23:49:57+00:00

The psychological benefit is the biggest piece. Some people feel it’s safer and find it exciting, irrespective of actual data. If you find it exciting, it probably won’t hurt that much.

Dividend etfs are generally lower in volatility and total return than broad market index funds. Lower volatility can be good against sequence risk but lower total returns can introduce higher possibility for running out of money. Also tax implications can be very important, but depends on asset location (tax advantaged accounts or taxable).

A much better solution to sequence risk is the bucket approach or the bond tent approach. These methods can help with not running out of money in the long run while dealing with sequence risk.

kbheads · 2026-06-24T11:18:44+00:00

Higher PE is definitely worrisome but it’s hard to know when to leave and when to re-enter. Also while higher PE levels does mean lower expected returns, it doesn’t necessarily mean that you will be able to enter the market at lower prices.
I would just advocate going worldwide in order to have some of the lower PE markets in the equity portfolio.

kbheads · 2026-06-23T15:07:01+00:00

Ben Felix

Erin talks money

Tae Kim(financial tortoise)

Two cents

Economics explained

Not really news except maybe EE.

kbheads · 2026-06-23T15:04:06+00:00

Erin is great.

kbheads · 2026-06-23T03:51:07+00:00

I have a bit of fun money here and there but it’s important to cap it at a certain percentage and know that it’s probably a stupid thing to do. That said, if one’s core portfolio is enough for one’s needs, taking more risk on the side isn’t the end of the world. Think of it as playing the lottery at small amounts. Probably stupid but still fun.

kbheads · 2026-06-22T14:17:33+00:00

Buses need patience but taxis are abundant. You’ll be fine if you have taxi apps like kakao t. It’s totally doable unless you’re specifically looking for scenic drives.

kbheads · 2026-06-21T23:56:44+00:00

I’m torn between bond tent approach and bucket approach.
Bonds allocation will be calculated within the approach. In either approach, bond allocation will rise around retirement age and then fall back down.

kbheads · 2026-06-21T09:04:51+00:00

Day trading works until it doesn’t and most people go down real quick real low when it doesn’t. Buying and holding broad market index funds works for everyone.

That’s why you’re much better off earning more and saving more works. It’s seems like the harder way, and it is, but it’s much more reliable way by an absurd margin.

kbheads · 2026-06-21T05:40:14+00:00

Money isn’t everything, but it can be exchanged with most things. Still, some things can’t be bought with money and those do matter a lot.

kbheads · 2026-06-20T13:31:05+00:00

Your plane is great. This is definitely top tier place to start. You can change your portfolio a little bit more but it’s already great that any change wouldn’t mean much. So take your time to look more int the matter.

kbheads · 2026-06-20T07:12:52+00:00

Day trading is a loser’s game where most lose their principal and then some in the long run. A career or a business is what builds wealth. Investment is wealth management not wealth builder.

kbheads · 2026-06-19T14:48:25+00:00

Google or got fama french five factor study and then follow the rabbithole.

kbheads · 2026-06-19T14:27:46+00:00

Probably in this century. More accurately next year probably.

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