Spending Your Entire Paycheck Upon Financial Independence While Still Employed
I came across an interesting question on one of my social media platform. It relates to retirement and I would like to share my short …
Financial Independence
Survival, Freedom and Power: The 3 Phases of Life & Money
About 10 years ago, I went to someone’s house on another person’s recommendation. I have lived with a skin problem for 15 years of my …
How I view COVID as an Opportunity to Stress Test My F.I.R.E Plan
A couple of months ago, someone asked on Reddit about how our experience these few months living in financial independence. He was also curious if …
Negative Real Bond Yields Impact on the 4% Safe Withdrawal Rate
A couple of years ago, I played with this Software-as-a-service called Timeline. It allows an adviser to put their client’s case throught the system and …
The Safe Retirement Spending Rate can be as high as 5% in Today’s Low-Inflation Environment: Bill Bengen
A good rule-of-thumb to estimate whether you have accumulate enough to retire or not is based on a magical 4% Safe Withdrawal Rate. This percentage …
The 11 Stages of Wealth: Which Stage of Wealth are You at?
How do you measure whether your relative or your colleague is wealthy? Do you based it on the flashy things that they have on them? What is a more fundamentally sound way to find out whether we have progressed well from debt dependent to financially secure, financially independent? The stages of wealth provide a good measure to see how far we have come.
NYU Endowment failed to Capture Much of a Secular Bull Market’s Returns – The Portfolio Lessons
The endowment of universities is an area that I took an interest in the past because they have very specific requirements that are similar to …
Your Initial High Savings Rate May Not Let You Be Financially Independent On-Time Due to Lifestyle Creep
There is this befuddling lifestyle creep math that didn’t hit me until I saw the math. It is one of those things that if I …
When a YOLO Lifestyle Should be Encouraged in Singapore
The term YOLO gives older folks the worst kind of ideas about young people nowadays. (YOLO stands for You only lived once, which is a …
Why Some Would Really Die with Zero (When they don’t want that to happen)
Chris recently talk up this book Die with Zero as the anti-FIRE book that those pursuing financial independence should read. I have not read the …