Life After Full-time Work Blog

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

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.

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

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.

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

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. 

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. 

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

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.

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