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Investing & Retirement

Six Decades

January 31, 2023 by Brett Tams

The market’s returns aren’t promised. The sequence of returns might not work in your favor. But you can still be a successful investor.

Posted in: Money Basics, Retirement Tagged: 2, 2022, All, Alternatives, ask, asset allocation, Benefits, big, Blog, blue, bonds, build, building, Buy, buyers, Buying, buying and selling, color, construction, data, decades, estate, exercise, Financial Wize, FinancialWize, fun, good, green, growth, ideas, interest, Investing, Investing & Retirement, investment, investments, investors, Learn, low, LOWER, market, markets, math, money, More, News, podcast, portfolio, property, Purchase, Real Estate, retirement, return, returns, right, risk, save, Sell, selling, sequence of returns, simple, stocks, story, time, victorian, wealth, will, work, young

Timing the Future Market: CAPE vs. Future Returns

January 31, 2023 by Brett Tams

Can the current CAPE ratio help us predict the future stock market return?!

Posted in: Investing, Money Basics Tagged: 2, 2022, 30-year, All, ask, average, basic, before, Behavior, Blog, business, Buying, cape, charity, Commentary, company, cost, data, earnings, Easter, Economics, Economy, expensive, Fall, Financial Wize, FinancialWize, fire, flu, future, futures, General, historical, history, hypothesis, inheritance, interest, Invest, Investing, Investing & Retirement, investments, investors, IRA, layout, Learn, low, manufacturing, market, markets, money, More, new, Other, patterns, plan, podcast, poor, present, return, returns, Revenue, right, roth, Roth IRA, second, Sell, simple, smart, Software, stock, stock market, stock market returns, story, summer, Technology, The Stock Market, time, time horizon, timing, title, trend, Video, will, work, youtube

I “Lost” $15,000. Here’s Why I Don’t Care.

January 31, 2023 by Brett Tams

Why losing $15,000 in a week doesn’t affect my feelings.

Posted in: Money Basics Tagged: 2, 2022, Amazon, ask, Behavior, betting, Blog, bonds, buffett, Buying, decades, Fall, Financial Wize, FinancialWize, fruit, funds, Grow, growth, harvest, history, interest, international, Investing, Investing & Retirement, investments, Learn, market, money, More, mutual funds, Opinion, Other, patient, plan, podcast, portfolio, rich, right, seeds, Sell, selling, shares, stock, stock market, stocks, story, Tesla, The Stock Market, time, trading, Twitter, voting, warren, will, Zoom, zoom out

Don’t Be A Dummy. Be A Chicken.

January 31, 2023 by Brett Tams

Most good habits don’t have a “set it and forget it” solution. They take work. But investors have it easy. Unless, that is, you’re being a dummy.

Posted in: Investing, Money Basics Tagged: 2, 2023, 401k, All, ask, author, automation, bedroom, before, Behavior, Benefits, Blog, Buy, chicken, cost, decision, diet, driving, fatigue, fidelity, Financial Planning, Financial Wize, FinancialWize, fund, good, habits, healthy, holiday, index, index fund, interest, Investing, Investing & Retirement, investment, investors, IRA, Learn, Make, market, miles, modern, More, new, new york, paint, passive, paycheck, payments, Personal, Planning, podcast, right, ronco, roth, Roth IRA, running, rural, Saving, Schwab, second, stock, stock market, stocks, story, target, Technology, time, Upstate New York, Vanguard, work

The Stunning Power of Being a Tiny Bit Better Than Average

January 30, 2023 by Brett Tams

How can you beat 99% of the competition when you’re only a little better than average?

Posted in: Money Basics Tagged: 2, 2022, All, average, baseball, Behavior, better than average, Blog, Career, clear, Competition, finances, Financial Wize, FinancialWize, goal, good, Google, graph, health, home, howard marks, improvement, interest, Investing, Investing & Retirement, investment, investment performance, investors, Learn, Life, making, math, More, oak tree, Other, percentile, Personal, personal finances, podcast, poor, protection, race, Relationships, returns, right, risk, running, simple, states, story, time, title, Video, volatility, will, work, youtube

The Stunning Power of Being a Tiny Bit Better Than Average

January 30, 2023 by Brett Tams

How can you beat 99% of the competition when you’re only a little better than average?

Posted in: Money Basics Tagged: 2, 2022, All, average, baseball, Behavior, better than average, Blog, Career, clear, Competition, finances, Financial Wize, FinancialWize, goal, good, Google, graph, health, home, howard marks, improvement, interest, Investing, Investing & Retirement, investment, investment performance, investors, Learn, Life, making, math, More, oak tree, Other, percentile, Personal, personal finances, podcast, poor, protection, race, Relationships, returns, right, risk, running, simple, states, story, time, title, Video, volatility, will, work, youtube

Decades of Zero Return

January 30, 2023 by Brett Tams

I came across this chart two weeks ago and I stopped in my tracks.

Posted in: Money Basics Tagged: 1970s, 2, 2021, 30-year, advisor, All, before, Blog, blue, build, Buy, cost, covid, Crisis, data, decades, dividends, fed, Financial Advisor, financial crisis, Financial Plan, Financial Wize, FinancialWize, great, green, growth, guide, history, Inflation, interest, Invest, Investing, Investing & Retirement, investment, investments, investors, Learn, Legislation, Main, market, markets, mistake, money, More, Original, Other, patterns, plan, podcast, principal, Rates, real returns, Recession, return, returns, right, second, shares, stock, stock market, stocks, story, the fed, The Stock Market, time, trust, under, value, volatility, war, zero return

Is LASIK Worth the Cost? The Answer Helps Explain How Stocks Work.

January 29, 2023 by Brett Tams

Is LASIK surgery worth the cost? Or am I better off buying contacts and glasses for the rest of my life? Plus, a lesson on stocks.

Posted in: Money Basics, Personal Finance Tagged: 2, 2021, 2022, 2023, aesop, All, ask, basic, big, Blog, Buying, company, contacts, cost, data, decision, discounting, earnings, Financial Wize, FinancialWize, fund, funds, future value, glasses, Google, great, growth, index, index fund, index funds, Inflation, interest, Invest, Investing, Investing & Retirement, investment, investors, lasik, Learn, Life, Live, Make, markets, math, money, Money Basics, More, needs, opportunity, Other, ownership, podcast, present, present value, products, property, questions, rate, right, risk, simple, Spending, stock, stocks, story, surgery, time, trend, value, will, work, wrong

You’re Probably Using the 4% Rule All Wrong

January 29, 2023 by Brett Tams

The 4% rule is the most popular shorthand in retirement planning. And you’re probably using it wrong.

Posted in: Financial Planning, Money Basics, Retirement Tagged: 2, 2021, 2022, 30-year, 4%, 4% rule, All, Amount Of Money, ARM, basics, Benefits, big, Blog, bond, bonds, brokerage, Built, Capital Gains, capital gains tax, Choices, consumption, cost, Cost of Living, Crisis, data, Dave Ramsey, Debt, experts, Finance, Financial Planning, Financial Wize, FinancialWize, fire, fund, gas, good, graph, great, groceries, growth, Halloween, historical, Income, income tax, Inflation, interest, Investing & Retirement, investment, investment portfolio, kitces, Learn, Life, Make, market, markets, Mistakes, money, More, Morningstar, most popular, Moving, multiply, net worth, new, Other, pension, percent, Personal, personal finance, photos, plan, planner, Planning, podcast, poor, Popular, portfolio, probability, rate, Rates, Rent, retirees, retirement, retirement accounts, Retirement Planning, retirement savings, returns, right, running, safe, save, Saving, savings, security, simple, single, smart, Social Media, social security, social security benefits, Spending, stock, stocks, story, tax, taxes, The Wall Street Journal, time, traditional, Treasury, trinity, trinity study, update, Valuations, wall, wealth, will, withdrawal, wood, work, wrong

Bear Markets for Dummies

January 28, 2023 by Brett Tams

No, I’m not calling you a dummy. But if you’re panicking about the stock market, here’s the easy primer you need to chill your ass out.

Posted in: Money Basics Tagged: 2, 2022, action, advice, All, assets, bear market, bear markets, Behavior, ben, Blog, Buying, covid, crash, data, earnings, employer, Family, Federal Reserve, Financial Wize, FinancialWize, Giving, good, great, Inflation, interest, Invest, Investing, Investing & Retirement, investment, investments, IRA, job, Learn, lessons, Life, list, LOWER, Main, market, markets, Monetary policy, More, needs, new, News, Other, pandemic, panic, Personal, podcast, portfolio, questions, right, roth, Roth IRA, School, second, Sell, selling, simple, single, stimulus, stock, stock market, stocks, story, The Stock Market, time, tuition, unique, wall, will, withdrawal, YOLO, Zoom, zoom out
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