Life After Full-time Work Blog

Learn about preparing for life after full-time work through posts from Don's upcoming book.

# 114 Being Normal Beats Being A Theoretical Economic Person

in Finance

What economists consider an optimal portfolio combination is better split into two separate pieces

# 110 Low Interest Rates Are A Tax On Savers

in Finance

Central bankers cannot find a way to help borrowers without hurting savers

# 107 How Much Financial Certainty Do You Want?

in Finance

How to proceed, depending on what you want

#92 Explore Retirement Finance

in Finance

Introducing the stages in Route 4 of Freedom, Time, Happiness

#85 A Case Study On The Investment Glide Path In Decumulation

in Finance

Experts make assumptions about our attitude to financial risk in our retirement years. Here’s a case study that suggests that psychology plays a considerable role, regardless of finances.

#83 “Sequence Of Returns” Risk In Decumulation

in Finance

The “glide path” in accumulation applies only when you’re saving money, not when you’re making withdrawals. Here’s an important decumulation angle.

#81 Target Date Funds And How To Improve Them

in Finance

A glide path that is based on assumptions about the average saver is a great start as a default option. That doesn’t mean it can’t be improved. This post describes ways in which it can be customized to better fit each saver’s characteristics.

#78 Glide From Youth Into Life Two (Walk 20)

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A long excerpt from the Life Two book, to show you its structure.

#73 When The Time Comes To Make Decisions

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This tale by a master story-teller is scary. It reminds us that we should think about potential disruptive things before they’re upon us. This post also explains why we prefer to postpone tough decisions. 

#71 A Liquidity Reservoir Creates Flexibility

in Finance

If it’s possible, it helps a lot to have some money set aside for emergencies. In fact, as we’ll see in this post, a bit of cash also helps enormously to smooth out the impact of investment fluctuations.