In this episode we answer emails from Geraldo, Rock, Ute.  We discuss how to give well, shifting from big-name school donations to smaller charities with immediate impact, moving from individual stocks to a Golden Butterfly style portfolio with le...

In this episode we answer emails from Milo, Scott, and Joel.  We discuss bad advisor incentives and how to classify them by their business models, identify the only business model you want to patronize, and then move on to Treasury STRIPS and reba...

In this episode we answer emails from Michael, Jim, and Optimus Bill.  We start with a 67-year-old investor who is all-in on equities and cannot sleep, and how changing portfolio allocations can lead to better rest. We share a framework of "t...

In this episode we answer emails from Zach, Brian, Holly and Optimus Bill.  We discuss a way to estimate retirement health care costs using current data, clear up the “index fund” labelling problem and talk about why indexed dogs and cats won&apos...

In this episode we answer emails from Kyle, Tim, and Tim.  We discuss dealing with a recalcitrant parent who won’t talk about the straw in their milkshake,  outline flexible retirement withdrawal planning with asset swaps, and explain how to escap...

In this episode we answer emails from Thirsty Horse, Mark, and Mike.  We discuss a wise friend and lessons on clarity, happiness, and preparing for the end, how we got involved with the Father McKenna Center and Fairfax CASA, and dig into the real...

In this episode we answer emails from Jose, Optimus Bill, and Steve.  We discuss bonds, retirement taxes, valuing Social Security and when to take it, how some use the four quadrant model for market timing, and the latest wave of complex ETFs. Alo...

In this episode we answer emails from Andrew, Geoff, and Frank.  We discuss connecting risk parity investing to a bigger question: how to build a drawdown portfolio you can hold while using money to live a full life. Along the way we share a Fairf...

In this episode we answer emails from Matt, Michael, Stephen and Al.  We discuss expanding the spending muscle in retirement, the generosity of our listeners, more on the Four Quadrant model and its permutations, and how we stay connected to liste...

In this episode we answer emails from Dustin, Optimus Bill, Vaibhav, and Morrie.  We discuss how to vet a new "shiny object" ETF, why trying to "fix" target date funds is likely to be a fools' errand as their proper use is...