Today marks the first anniversary of my brother’s death. Dave died on June 17th, 2021 – the day before his 46th birthday. He lived with his family in San Ramon and in the 5 years before his death culminating with the pandemic lock-downs, my “inner circle” had largely collapsed to him and one other guy.

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Every successful retirement income plan requires a solution for 2 unknowns: Longevity – how long will we need income, and Inflation – how much will prices rise. The fundamental problem of retirement income is building an income that rises to meet your rising cost of living and lasts the rest of your life. Longevity risk

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Featured Articles: Good Writing From Around The Web Generating Alpha Sows the Seeds of Its Own Destruction It’s a cautionary tale. Attempting outperformance leads to underperformance. Going to the Gym in the Dark This is an excellent way to build your “overcoming adversity” muscles. How to Be Healthy in a Dopamine-Seeking Culture And this: The

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These are fundamentals of investing. Successful lifetime investors remain aware of these two realities at all times. When most people hear them in a calm setting within the context of long-term planning, they agree. They don’t push back at all. It just makes sense. It is a fact that doesn’t need proof. It is the

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It is obvious that it depends on the depth of a particular bear market. It’s slightly less obvious that it also depends a great deal on how long you have been invested. If you have recently begun investing –OR– if you have recently changed your investing philosophy and a bear market arrives, it is very

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Thanks Michael for the conversation. I appreciate the opportunity to talk about the vision my brother and I had so long ago. ABOUT THE EPISODE “When you think about your finances, stop predicting, start planning and stay mindful.” Jonathan DeYoe Most people have free-floating anxiety about anything to do with money. However, embracing mindfulness in

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This is a really important distinction to know about. Whether you notice the storytelling or not… it is happening all the time. The more you notice it, the less you suffer. An Acute Personal Example For those of you who are relatively new to this blog or newsletter, my brother died last year – the

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With markets down into almost-bear-market-territory, nerves are fraying and questions are being asked. It is perhaps time for another reminder that, “This too shall pass.” The following is the market data surrounding all the bear markets (or near bear markets) in the S&P 500 since its inception on March 4th, 1957. In the 26 years

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A “Bear Market” is usually defined as the condition in which the price of a market falls – on a closing basis – 20% (or more) from recent highs amid widespread negative investor sentiment. That’s the definition. Can you tell me: Are we in a Bear Market? It depends. Your answer to the question, “Are

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