Writing
Essays on retirement modeling, tax strategy, and why your financial data is worth protecting.
The Roth ladder wants your low-income years. So does your health insurance subsidy. They are the same years, and every converted dollar bids against your premium credit.
Read article →Most retirement calculators give you one number. A Monte Carlo engine gives you ten thousand. Here's what it's actually doing in between.
Read article →Two retirees. Same portfolio. Same 7% average return. One runs out of money at 78. The other dies with more than they started with. The difference is just the order the returns arrived in.
Read article →At a certain portfolio size, selling stock to fund retirement stops being the obvious answer. Borrowing against it starts to look better. Here's where the line is.
Read article →The Roth ladder is beloved in FIRE communities and often oversold. I ran it through a retirement engine against eight withdrawal strategies to see where it actually helps.
Read article →The economics of a free personal finance app are simple. Someone has to pay for the data. If it isn't the user, it's the advertiser, the lender, or the hedge fund.
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