Life After Full-time Work Blog

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

#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

in Finance

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. 

#70 Three Goals, Three Instruments

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This post looks at the main kinds of financial goals we have for retirement, and why each goal needs its own financial instrument.

# 69 With Two Extreme Philosophies, Either/Or Is A Bad Way To Frame The Choice

in Finance

This post expands on the notion of philosophies that embrace only the safety or only the growth end of the spectrum along which goals are placed.

#68 Safety And Growth As Investment Goals

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Here’s a clarification of the goals of safety and growth.

#67 Happiness Comes From Certainty About Not Outliving Your Assets

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What’s the relationship between happiness and money? When we understand that, we can understand what retirees say scares them the most.