9 min read
How 10,000 Monte Carlo retirement simulations actually work
Most retirement calculators give you one number. A Monte Carlo engine gives you ten thousand. Here's what it's actually doing in between.
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The blog.
Essays on retirement modeling, tax strategy, and why your financial data is worth protecting.
- 8 min read
Sequence-of-returns risk: why your retirement date matters more than your savings rate
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 → - 10 min read
Buy, borrow, die: what changes at $5M+
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 → - 11 min read
The Roth conversion ladder, tested against every withdrawal strategy
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 → - 7 min read
When your financial data is the product
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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