JLCollinsnh

The Simple Path to Wealth

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Calculators, etc.

Calculators, Videos, Articles, Resources and a Poem

 

Calculators:

  • Vanguard Retirement Nest Egg Calculator from Stocks — Part XIII: Withdrawal Rate, how much can I spend anyway?
  • The Global Rich List: See where you rank in wealth and/or income compared to the rest of the world.
  • History of the Dow Jones average from Stocks — Part I
  • Investment Calculator
  • Investment Calculator from Stocks Part I and  Stocks — Part VII:  Can everyone really retire a millionaire?
  • S&P 500 Return calculator from Stocks Part I and Stocks — Part VII:  Can everyone really retire a millionaire?:
  • Comparing annualized growth rates between any two dates
  • Historical Inflation Calculator
  • Inflation Calculator
  • Taxcaster: Tax forecasting tool
  • FIRE Calculator I haven’t personally used this one, but I’ve seen it highly recommended. It is on this list now thanks to reader Jian.
  • Expense Ratio Calculator Think higher fee don’t matter? Run the numbers. You might be shocked.
  • 401kfee.com — how-much-are-high-fees-costing-you from Addendum #2 in Stocks — Part VIII-b
  • Bright Scope — a tool for evaluating your 401k plan from Addendum #4 in Stocks — Part VIII-b
  • RMD Calculator — a tool for calculating your Required Minimum Distributions once you reach 70.5 from Stocks — Part XXIV: RMDs
  • Inflation Calculator from Stocks — Part XXVIII: Debt – The Unacceptable Burden
  • Rule 72(t) calculator for those thinking about using a SEPP plan for early IRA withdrawals from Stocks — Part XX
  • Stockchoker. Plug in three bits of info – the name of a stock or mutual fund, a date and an amount invested – and it will instantly spit out what you would have made along with a smart-ass comment. Very nice to have when some advisor is urging you to dump your index funds for his high-fee super-duper fund with the secret proprietary logarithms sure to make him, er, you rich.
  • Net Worth Tracker Spreadsheet
  • Pay down mortgage vs. invest calculator 
  • The Best Retirement Calculators, a comprehensive review from my pal Darrow
  • Calculator Soup: A site filled with calculators for just about anything.

Video:

Warren Buffett: WB’s plan for his widow

Ray Dalio: How the economy works

Articles:

At various points on this blog I suggest only about 20% of active managers out-perform the index. That’s being generous:

For an even longer period – 1976-2006, 30 years the odds are much worse. Less than 1%: http://www.marketwatch.com/story/almost-no-one-can-beat-the-market-2013-10-25

From the New York Times: How many mutual funds routinely rout the market? Zero.

A poem: 

Andrew Waits performs his poem on wealth. Worth a listen even if poetry isn’t your thing.

Important Resources

  • Talent Stacker is a resource that I learned about through my work with Jonathan and Brad at ChooseFI, and first heard about Salesforce as a career option in an episode where we featured Bradley Rice on the Podcast. In that episode, Bradley shared how he reached FI quickly thanks to his huge paychecks and discipline in keeping his expenses low. Jonathan teamed up with Bradley to build Talent Stacker, and they have helped more than 1,000 students from all walks of life complete the program and land jobs like clockwork, earning double or even triple their old salaries using a Salesforce certification to break into a no-code tech career.
  • Credit Cards are like chain saws. Incredibly useful. Incredibly dangerous. Resolve to pay in full each month and never carry a balance. Do that and they can be great tools. Here are some of the very best for travel hacking, cash back and small business rewards.
  • Personal Capital is a free tool to manage and evaluate your investments. With great visuals you can track your net worth, asset allocation, and portfolio performance, including costs. At a glance you'll see what's working and what you might want to change. Here's my full review.
  • Betterment is my recommendation for hands-off investors who prefer a DIFM (Do It For Me) approach. It is also a great tool for reaching short-term savings goals. Here is my Betterment Review
  • NewRetirement offers cool tools to help guide you in answering the question: Do I have enough money to retire? And getting started is free. Sign up and you will be offered two paths into their retirement planner. I was also on their podcast and you can check that out here:Video version, Podcast version.
  • Tuft & Needle (T&N) helps me sleep at night. They are a very cool company with a great product. Here’s my review of what we are currently sleeping on: Our Walnut Frame and Mint Mattress.
  • Vanguard.com

Comments

  1. Clint says

    June 11, 2014 at 12:35 pm

    Hey Jim,
    When using compound interest calculators to run the numbers over the next, say, 20 or 30 years, what is best to assume for the % return? Let’s say you’re invested 100% in VTSAX, for simplicity’s sake.

    Reading various blogs and forums, the assumptions for market return are all over the place. Some say assume 7% (10% market return – 3% inflation), some say to assume 5%, some assume 2%, etc.

    In your experience and worldview, what is the number you’d put in for the next 20+ years to get a realistic picture of what amount you will have to draw from?

    Thanks!

    Reply
    • jlcollinsnh says

      June 11, 2014 at 3:24 pm

      Hi Clint…

      Tough question in that it requires a crystal ball. 🙂

      That’s likely why the assumptions are all over the lot. You have to predict both the rate of inflation and the rate of return.

      I tend to use 8% for no better reason than that it seems in the middle of all the others.

      But mostly I think it is important to think of these calculators as “what if” tools while saving and investing as much as possible.

      Reply
      • Dave says

        May 15, 2021 at 1:31 am

        Hi JL, just to confirm – you’re saying the 8% market return less 3% inflation? And as such, a net 5% gain per year?

        Reply
        • Nafi says

          December 7, 2021 at 5:23 am

          Hi for all,

          I like so much this kind of calculation, where the inflation rate came to the equation, otherwise, we are making our returns speculative.

          kind regards,

          Reply
  2. Clint says

    June 11, 2014 at 3:33 pm

    No doubt!

    Thanks.

    Reply
  3. Jian says

    July 9, 2014 at 4:21 pm

    Mr. Collins,

    Thanks for taking my idea (and turning it into reality)! I’m good at the first, but generally too lazy on implementation. BTW, the name is spelled “Jian”, which is direct phonetic translation from Chinese word “坚” or “堅” (the traditional version, still used in Taiwan).

    I think this FIRE calculator is worthy of your collection page. Thanks!
    http://www.firecalc.com/

    Reply
    • jlcollinsnh says

      July 9, 2014 at 10:27 pm

      Hi Jian…

      Thank you for the idea! And the firecalc link. I’ve never checked that out, but I’ve seen it referenced many times. Based on your suggestion, up it goes!

      My apologies on the name spelling. D’oh! Names are important and I appreciate the correction.

      Reply
  4. G-dog says

    September 9, 2014 at 11:04 pm

    I would like an aggregation of the various graphs and charts. I could swear that I saw a chart that illustrated how much fees steal from your returns over time, but now I cannot find it! Maybe I made it up …?

    Reply
    • jlcollinsnh says

      September 12, 2014 at 2:56 pm

      Good idea, G-dog…

      but I still haven’t finished updating this one on calculators. 😉

      As for that chart you mention, I seem to recall it too. But I can’t find it now for the life of me. If I remember correctly it was a link a reader provided in the comments or something I added as an addendum…

      Reply
      • G-dog says

        September 12, 2014 at 7:46 pm

        It’s good to know that I probably didn’t make this up. I suppose it could be recreated, but it was very nice and a shocking demonstration of the impact of fees – something not as easily visualized from a table of numbers.
        I’ll make a point to copy or record the link from now on.

        Reply
      • jian says

        March 15, 2015 at 11:30 pm

        Maybe this chart?
        http://www.demos.org/data-byte/fees-cost-ideal-household

        And this?
        http://www.demos.org/data-byte/model-estimates-lifetime-401k-balance-fees

        Reply
      • jlcollinsnh says

        March 16, 2015 at 5:01 pm

        Or maybe this one: http://401kfee.com/how-much-are-high-fees-costing-you/

        It is in Addendum 2 here: https://jlcollinsnh.com/2013/06/28/stocks-part-viii-b-should-you-avoid-your-companys-401k/

        I’ll add it to this post.

        Reply
  5. Nate says

    October 24, 2014 at 11:00 am

    I’ve been looking for a portfolio rebalancing tool/program. Do you know of one? Not sure why Vanguard doesn’t offer one on their site. They have every other calculator out there. They will help you rebalance once a year through their Personal Advisor Service but it takes a while to get an appointment. Sometime over a month. During down markets, this can be nerve racking. It would be nice to have a program where you can plug in your most recent figures from the current day and reallocate right away.

    I know I could probably create a spreadsheet to do this but if there is already a program available, this would save me the hassle.

    Thanks.

    Reply
    • jlcollinsnh says

      October 24, 2014 at 11:20 am

      Hi Nate…

      No, I’m afraid I don’t. But perhaps the bigger question is why you would need one.

      The only thing I can think is that you have a large number of holdings that makes what should be an easy and simple process complex, and that in my world is probably a mistake.

      In any event, short of finding such a tool, I can think of two options…

      —you might want to consider Betterment: https://jlcollinsnh.com/2013/12/16/betterment-wants-to-give-you-25/

      For a modest fee they will place you in multiple index funds mirroring your desired allocation and maintain it for you using the most tax-efficient means available.

      Or…

      —you could simplify your holdings as I describe here: https://jlcollinsnh.com/2014/06/10/stocks-part-xxiii-selecting-your-asset-allocation/

      In any event, good luck and if you find the tool you are looking for please post a link here.

      Thanks!

      Reply
      • Nate says

        October 24, 2014 at 1:45 pm

        Jim,

        Like you said in your: “Selecting Your Asset Allocation” article … if only I had it to do over again … sigh. I have to rebalance money spread over many different places. I retired earlier this year at age 51. I have money in a 401K which I am trying to decide what do with … SEPP, rollover into a traditional IRA and then slowly, over a number of years convert into a ROTH or a little of both??

        I also have a Roth IRA, an HSA, I-Bonds, as well as quite a bit in taxable accounts. Everything is indexed. Total expensive ratio over the entire portfolio is .06%. You’re right though, it’s more complicated than it needs to be. But reallocating everything at this point, to the portfolio you had described in your article, would result in a huge tax hit.

        According to Vanguard, my portfolio is very well allocated. I just need to work at keeping it that way. I would like to be able to do it on my own, when I need to.

        Thanks for your input Jim, I appreciate it. I’ll be sure to post a link if I come across a decent rebalancing tool.

        Reply
        • jlcollinsnh says

          October 24, 2014 at 6:11 pm

          Ah…

          That makes sense! Thanks for the clarification and…

          Good luck!

          Reply
  6. Povilas Panavas says

    February 25, 2015 at 3:23 pm

    “The Global Rich List” makes you rethink your life in terms how rich we are. According to it, by my income I’m within 0,39% of richest people. Meanwhile, I was thinking I should find ways to increase my salary.

    However, that’s quite accurate as I’m going to retire in less when 3 years.

    jlcollinsnh, thank you for your Stock series, those were really helpful and allowed me to finally start investing (I live in United Kingdom, so also thanks to EconoWiser (part XXI).

    Reply
    • jlcollinsnh says

      February 26, 2015 at 12:33 pm

      Yep. That’s an incredible tool.

      Still, no reason not to increase your income if you can. It will just get you to FI faster and/or with a bit more.

      Once you start living below your means and investing the difference, you almost can’t help but become steadily wealthier. When the time comes to burn off some of the excess, here’s an idea: https://jlcollinsnh.com/2012/02/08/how-to-give-like-a-billionaire/

      By the way, Mrs. EW is unlikely to see your kind words here. Perhaps you might post them under her guest post where she will?

      Thanks!

      Reply
  7. mymoney says

    August 28, 2015 at 7:02 pm

    I am surprised you don’t have http://www.calculatorsoup.com/ it has every calculator you need

    Reply
  8. Review says

    February 28, 2016 at 2:56 pm

    Thank you for this list, I am looking into compound interest and also trying to find a good retirement calculator. This list is great and going to keep me busy for a while. I saw the Betterment commercials and want to check that out too. Thanks!

    Reply
  9. Wbeard says

    March 1, 2016 at 8:58 pm

    I just discovered a Rent vs Own calculator from Realtor.com that reminded me of your post about owning vs renting your primary residence. Thought you might enjoy it/find it useful. Love your blog and tell many people about it. Thanks!
    http://www.realtor.com/mortgage/tools/rent-or-buy-calculator/?identityID=56ce4274874d2e49f701e32a&MID=_Welcome_Bob_Advice&RID=3754853022&cid=EML301717

    Sorry for the long url. I don’t know how to make a pretty, short one. 🙂

    Reply
    • jlcollinsnh says

      March 2, 2016 at 11:46 am

      Thanks W…

      But I would be very cautious in using/trusting this tool given the source.

      Reply
  10. Andrew Stacy says

    July 10, 2016 at 5:06 am

    Mr. Collins,

    I think this Good Calculators website is worthy of your collection page.
    http://goodcalculators.com/

    Thanks!

    Reply
  11. Joy says

    November 10, 2017 at 2:41 pm

    Hi
    There is a Collective Investment Fund that track S &P 500.
    Legal & General S&P 500® Collective Investment Trust Fund Class A.
    very low ER. 0.01.
    Wondering if it is a good choice. I don’t have any total stock market option in my 401 k.

    What is your opinion about this Collective Investment fund?

    Reply
    • jlcollinsnh says

      November 10, 2017 at 4:07 pm

      Hi Joy…

      I’m not familiar with that fund, but looking at this…

      https://nb.fidelity.com/public/workplacefunds/view-all/OZ0E

      …it appears to be an S&P 500 index fund and one with an exceptionally low ER at that.

      Looks like a fine choice to me.

      BTW, thanks for your comment on the Betterment post.

      Reply
  12. Jason says

    April 4, 2018 at 7:09 pm

    First off thank you for taking the time to write such an informative book. I enjoyed purchasing and listening to your advice. This may be a long shot but was considering asking you if what I have chosen seems reasonable and if you could share your opinion or any advice.

    Age: 27 Occupation engineering Salary: 55000 Before taxes Debt: 0 Monthly Expenses 1,200 Month
    I have accounts
    VBIAX Balance 20,188 Contribute 100 monthly
    VASGX Balance 5,386 Contribute 75 Monthly
    VIMAX Balance 10,266 Contribute 100 Monthly
    Should I sell those mutual funds and just purchase the VTSAX?
    Also Contribute 5% to company 401K to T.ROWE TRSGX through a company other than Vanguard. Balance around 8,000

    Reply
    • jlcollinsnh says

      April 4, 2018 at 8:31 pm

      Hi Jason…

      While your three Vanguard funds are fine, as you know from reading my book & blog they are not my first choice. Not sure why they are yours, but the decision to change should be weighed against your reasons for buying them in the first place.

      I would suggest you try to find a lower cost index fund in your 401K replace TRSGX.

      But much more importantly, I would suggest you look for ways to increase your savings/investing rate. You are off to a great start and focusing on making this better is the most powerful thing you can do.

      Reply
  13. Kelly says

    April 27, 2018 at 12:01 pm

    Awesome list, Jim. Here’s another calculator you HAVE to include: http://www.investmentcalculator.io. It is super intuitive for younger, new folks, just starting out. It also has a really cool, interactive simple savings tips, that calculates based on your figures.

    Reply
  14. RangerOne says

    May 3, 2018 at 1:04 pm

    I have a general question on dividends that isn’t perfectly clear. Generally with a stock in a company that would pay dividends. The dividend amount payed over the course of the year is per stock held and not necessarily linked to the stocks overall price. Though it does seem dividends paid after left to the discretion of the company based on performance.

    So how does that transfer to an index where you have a share in many companies only some of which pay dividends. You and all financial institutions note that S&P 500 dividends component is roughly 2-3% of the gains annualized for a portfolio of this index.

    Would that mean in a crash if say the value of my index holding was sliced in half, I could commensurately assume my dividends pay out would be half what it was at the higher value???

    I guess the disconnect for me is, since dividends are dolled out based on quantity of shares should the dividend rate not be linked to the the number of shares, not their total value? Or does accounting for indexes change this relationship.

    Reply
    • jlcollinsnh says

      May 3, 2018 at 6:24 pm

      This post should answer your questions: https://jlcollinsnh.com/2011/12/27/dividend-growth-investing/

      Reply
  15. Mark Kaminski says

    July 15, 2018 at 9:27 pm

    Have I missed it, but I don’t see the calculator for account-holders at TD Ameritrade. I believe it is a very slightly simplified version of “MoneyGuidePro” (which is used by industry professionals). For account-holders it’s called “Goal-Planner” and it strikes me as very sophisticated if one dives in deep. I think it’s free to most account-holders at TD (or it has been for me). I’ve been using it for some time. It will track your investments and allow you to play any number of what-if scenarios. Do you know if it has weaknesses?

    Reply
    • jlcollinsnh says

      July 15, 2018 at 10:54 pm

      Sorry Mark…

      …I am unfamiliar with this one.

      Reply
      • Mark Kaminski says

        July 16, 2018 at 5:28 pm

        Thanks Jim.
        I’ve used a number of calculators, or, more correctly, analysis software packages over the years. I also have no interest in the program, but I believe MoneyGuidePro is otherwise expensive (at https://www.moneyguidepro.com/ifa/). It’s my understanding that it’s for industry professionals (yes, financial planners – wink – and, yes, I share your opinions of the “need” for those folks – doublewink). I’d never have paid for it and was delighted to be offered it by my contact at TD Ameritrade. The link (presuming it was OK to post, sorry if not) has a video that summarizes it. I *think* it’s very powerful… and, amongst other data-points, it allows one to plug in future purchases (like planning for a car or home improvement) as well as other possible sources of income (like inheritance and others). The deeper one goes into it, the more sophisticated it becomes. I’ll have to compare it in a more side-by-side way to some of the others you’ve mentioned.

        Thanks again.
        – Mark

        Reply
        • Mark Kaminski says

          July 16, 2018 at 9:44 pm

          Follow-up:
          Looked into the software. It seems that it’s to be licensed for professionals (whatever all that means). No obvious pricing so I snooped around elsewhere and found that it might be $150/month!!! So, I guess I’m very glad to have been offered it at TD (for fee – and I have no idea if that’s because of my total holdings there). Obviously, it would appear to be much too costly for regular investors.
          Thanks again.
          – Mark

          Reply
  16. Mike Siekkinen says

    December 15, 2019 at 2:53 am

    I noticed the link to fidelity’s RMD calculator is broken. It looks to now be located at https://gpi.fidelity.com/ftgw/interfaces/rmd/#/rmdform

    Reply
    • jlcollinsnh says

      December 15, 2019 at 12:59 pm

      Thanks Mike! 🙂

      Update made.

      Reply
  17. Benoit says

    October 28, 2020 at 2:05 pm

    The second link (Global Rich List) doesn’t work anymore. It could be replaced with https://web.archive.org/web/20200110071507/http://www.globalrichlist.com/wealth.

    Reply
    • jlcollinsnh says

      October 28, 2020 at 6:58 pm

      Thanks Benoit…

      …update made!

      Reply
  18. Mike Kammerer Jr says

    November 23, 2020 at 12:57 pm

    Hi Jim-

    When reading, listening to podcasts and browsing the internet on the topic of retirement, I always hear you should be saving 10-15% of your income for retirement. I am 34 and a teacher in NJ. I contribute 7.5% of my salary to the pension system. Should I be contributing 10-15% on top of that or just an additional 7.5% into a seperate retirement account? I have lobbied my school district (it’s about to be approved) to add a self directed Vanguard 403 B plan so I am trying to figure out my numbers and what I can afford. Thanks for the time Mike

    Reply
  19. Ryan Stamer says

    February 11, 2021 at 8:12 pm

    Hi Jim,

    I love your blog. I only started reading through it three months ago, but it’s truly had a profound impact on my life. You’ve made it very simple for people like me who don’t gravitate towards finances naturally!

    I used the stockchoker calculator and I had a question for you. Historically I’ve been in mutual funds with expense ratios of .75% – 1.25%. Since reading your blog I’ve pivoted towards low cost index funds because I understand conceptually how high those fees will add up over time. However, when I use stockchoker, it shows that I would have made more over the past 10 years with many of the growth mutual funds I was in than I would have with a total stock market index fund. I know the fees add up over time, but can you help me understand why I should ignore that and stick with the index funds?

    I want to believe! But the math is tripping me up a bit. Would appreciate your perspective, and thank you again for your wonderful blog.

    Best,
    Ryan

    Reply
  20. Tri Nguyen says

    April 17, 2021 at 8:56 pm

    These resources are awesome. Thank you!

    The “Comparing annualized growth rates between any two dates” link no longer works. The new link is the top of the google results page when you google that title. I can’t seem to paste it here, or WordPress thinks my comment is a spam.

    Reply
    • jlcollinsnh says

      April 18, 2021 at 2:42 pm

      Thanks for the heads up.

      The link should work now.

      Reply
  21. Bill H says

    March 23, 2022 at 10:04 pm

    Hi JL,

    Hi Tae,

    Hope you and your family are doing well!

    I have a fund in my employer retirement account called Invesco Stable value trust B1. It’s not exciting averaging 1% return usually just for some safety at my age of 58.

    I tried to find something like it in all the Vanguard funds but I dont see any.

    All I see is money markets making 0.02% P U !!!!!

    Can you see if I’m missing something? – I prefer Vanguard – something like a short term income fund making an avg 1%….

    Thanks for your help.

    Kind regards

    Bill H / Arizona…

    Reply
  22. James says

    March 30, 2022 at 5:26 pm

    Is there a calculator that shows after-tax returns on investments? For example, I invest in a 70/30 portfolio and hold for 30 years. My LTCG are x% and STCG are y% and a hypothetical ROR of 6%. What is tax impact on investment? Saw some info on Bogleheads but no simple calculator.

    Thanks!

    Reply

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The Simple Path to Wealth Book by JL Collins

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    • ► February (1)
      • Mariah International: All that glitters…
  • ► 2020 (11)
    • ► December (1)
      • Season's Greetings!!
    • ► June (1)
      • How to give when you have a business
    • ► April (4)
      • Investing with Vanguard for Europeans: 2020 update
      • Part XVII-B: ETF vs. Mutual Fund -- What's the difference?
      • Reviewing the comments on my post of April 1st
      • Why I will no longer be writing this blog
    • ► March (4)
      • My move from VMMXX to VBTLX
      • COVID-19: The unvarnished truth from Doc G.
      • Chautauqua sits out 2020
      • Taking advantage of Mr. Bear
    • ► February (1)
      • Mr. Bear, Podcasts, a good book and why I should be in 100% stocks
  • ► 2019 (11)
    • ► November (4)
      • How we bought our new car
      • The House Hacking Strategy
      • What does buying a new car really cost over the years?
      • Why we bought a brand new car
    • ► August (1)
      • A Guided Meditation for When the Stock Market Is Dropping
    • ► June (2)
      • 7 Days in Heaven: or Why Slowing Down Will Get You There Sooner
      • Quit Like a Millionaire
    • ► March (1)
      • Stocks -- Part XXXV: Investing for Seven Generations
    • ► February (1)
      • Chautauqua 2019 - UK & Portugal - Tickets Now Available
    • ► January (2)
      • Mr. Bogle passes
      • "I wanted the unreasonable"
  • ► 2018 (16)
    • ► December (1)
      • Happy Holidays! and a bit on Mr. Market
    • ► November (3)
      • Truly Passive Real Estate Investing
      • Car Talk: An update on Steve and looking at Leafs
      • Chautauqua 2018 Greece: A week for the gods!
    • ► October (1)
      • On Twitter, gone for Chautauqua and dark on comments till November
    • ► September (2)
      • What we own and why we own it: 2018
      • Tuft & Needle: Our Walnut Frame and Mint Mattress
    • ► August (1)
      • Kibanda Part 5: Pretty, and pretty much done
    • ► June (3)
      • Stocks--Part XXXIV: How to unload your unwanted stocks and funds
      • Tracking your holdings
      • Stocks -- Part XXXIII: Optimism
    • ► May (2)
      • Kibanda Part 4: Quicksand!
      • My Talk at Google, Playing with FIRE and other Chautauqua connections
    • ► March (1)
      • Stocks -- Part XXXII: Why you should not be in the stock market
    • ► February (1)
      • Chautauqua 2018: Mt. Olympus, Greece
    • ► January (1)
      • An International Portfolio from The Escape Artist
  • ► 2017 (15)
    • ► December (2)
      • The Bond Experiment: Return to VBTLX
      • How to Invest in Bitcoin like Benjamin Graham
    • ► October (1)
      • Kibanda Part 3: Running the numbers
    • ► September (1)
      • Sleeping soundly thru a market crash: The Wasting Asset Retirement Model
    • ► August (2)
      • Stocks -- Part XXXI: Too hot. Too cold. Not pure enough.
      • Kibanda, Part 2: Negotiating the deal
    • ► July (2)
      • Time Machine and the future returns for stocks
      • Kibanda: Mr. Anti-house buys his dream house
    • ► June (2)
      • Is there an interior designer in the house?
      • The Simple Path to Wealth goes Audio!
    • ► May (1)
      • Life on the Beach
    • ► April (1)
      • Sell! Sell!! Sell!!! Sell?
    • ► March (1)
      • Vicki comes to Chautauqua: United Kingdom
    • ► January (2)
      • Chautauqua - Ecuador 2017 open for reservations
      • Chautauqua - United Kingdom: August 2017
  • ► 2016 (22)
    • ► December (3)
      • Season's Greetings and other cool stuff
      • Angel Investing, or Angel Philanthropy?
      • Mr. Bogle and me
    • ► November (1)
      • Where did you learn about money?
    • ► October (2)
      • Buy Your Freedom; Rent the Rest
      • So, what do you drive?
    • ► September (2)
      • Stocks -- Part XXX: jlcollinsnh vs. Vanguard
      • A visit to the Frugalwoods
    • ► August (1)
      • What the naysayers are missing
    • ► July (1)
      • Reviews of The Simple Path to Wealth; gone for summer
    • ► June (2)
      • The Simple Path to Wealth is now Published!
      • A peek into The Simple Path to Wealth
    • ► May (1)
      • It's better in the wind. Still.
    • ► April (3)
      • Cool things to check out while I'm gone
      • Stocks — Part XXIX: How to save money for college. Or not.
      • Help Wanted: The Book
    • ► March (1)
      • F-You Money: John Goodman v. jlcollinsnh
    • ► February (2)
      • Q&A - V: The Women of Amphissa
      • jlcollinsnh gets a new suit
    • ► January (3)
      • Chautauqua 2015 Reviews, 2016 registration open
      • Case Study #15: The Scavenger Life -- Freedom first, then Financial Independence
      • 3rd Annual (2015) Louis Rukeyser Memorial Market Prediction Contest results, and my forecast for 2016
  • ► 2015 (18)
    • ► December (2)
      • Q&A - IV: Strawberry Patch
      • Seasons Greetings! and other cool stuff
    • ► October (2)
      • Personal Capital; and how to unload your unwanted stocks and funds
      • Stockchoker: A look back at what your investment might have been
    • ► September (2)
      • Case Study #14: To Dream the Impossible Dream (and then realize it)
      • Hotel Living
    • ► August (1)
      • Mr. Market's Wild Ride
    • ► June (4)
      • Gone for Summer, an important note on comments and random cool stuff that caught my eye
      • Around the world with an Aussie Biker
      • Case Study #13: The Power of Flexibility
      • Stocks — Part VIII: The 401(k), 403(b), TSP, IRA & Roth Buckets
    • ► March (2)
      • Stocks -- Part XXVIII: Debt - The Unacceptable Burden
      • Chautauqua October 2015: Times Two!
    • ► February (2)
      • YNAB: Best Place to Work Ever?
      • Case Study #12: Escaping a soul-crushing job before you're 70
    • ► January (3)
      • Case Study #11: John, a small business owner in transition
      • Trish and Stan take an Intrepid Sailing Voyage
      • 2014 Annual Louis Rukeyser Memorial Market Prediction Contest results, and my forecast for 2015
  • ► 2014 (29)
    • ► December (2)
      • Diamonds and Happy Holidays!
      • Micro-Lending with Kiva
    • ► November (3)
      • Chautauqua February 7-14, 2015: Escape from Winter
      • Stocks -- Part XXVII: Why I Don’t Like Dollar Cost Averaging
      • Jack Bogle and the Presidential Medal of Freedom
    • ► October (3)
      • Tuft & Needle: A better path to sleep
      • Nightmare on Wall Street: Will the Blood Bath Continue?
      • Help Wanted
    • ► September (1)
      • Chautauqua 2014: Lightning strikes again!
    • ► August (2)
      • Stocks -- Part XXVI: Pulling the 4%
      • Stocks -- Part XXV: HSAs, more than just a way to pay your medical bills.
    • ► July (3)
      • Stocks -- Part XXIV: RMDs, the ugly surprise at the end of the tax-deferred rainbow
      • Summer travels, writing, reading and other amusements
      • Moto X, my new Republic Wireless Phone
    • ► June (1)
      • Stocks -- Part XXIII: Selecting your asset allocation
    • ► May (1)
      • Stocks -- Part XXII: Stepping away from REITs
    • ► April (3)
      • Q&A III: Vamos
      • Q&A II: Salamat
      • Q&A I: Gaijin Shogun
    • ► March (2)
      • Top 10 posts
      • Cafe No Se
    • ► February (4)
      • Chautauqua 2014 preview, closing up for travel and other random cool things that caught my eye of late.
      • Case Study #10: Should Josiah buy his parents a house?
      • Case Study #9: Lars -- maximizing some good fortune and considering "dollar cost averaging"
      • Case Study #8: Ron's mother - she's doin' all right!
    • ► January (4)
      • roundup: Some random cool things
      • Stocks — Part XXI: Investing with Vanguard for Europeans
      • Case Study #7: What it looks like when everything financial goes wrong
      • 1st Annual Louis Rukeyser Memorial Market Prediction Contest 2013 results, and my forecast for 2014
  • ► 2013 (41)
    • ► December (4)
      • Closing up for the Holidays, see you in 2014
      • Betterment: a simpler path to wealth
      • Case Study 6: Helping an ill and elderly parent
      • Stocks -- Part XX: Early Retirement Withdrawal Strategies and Roth Conversion Ladders from a Mad Fientist
    • ► November (3)
      • Death, Taxes, Estate Plans, Probate and Prob8
      • Case Study #5: Zero to 2.6 million in 25 years
      • Case Study #4: Using the 4% rule and asset allocations.
    • ► October (3)
      • Republic Wireless and my $19 per month phone plan
      • Case Study #3: Let's get Tom to Latin America!
      • The Stock Series gets its own page
    • ► September (2)
      • Case Study #2: Joe -- off to a fast start!
      • Chautauqua 2013: A Week of Dreams
    • ► August (1)
      • Closing up shop plus an opening at Chautauqua, my new podcast, phone, book and other random cool stuff
    • ► July (1)
      • They Will Kill You For Your Shoes!
    • ► June (4)
      • Stocks -- Part VIII-b: Should you avoid your company's 401k?
      • Shilpan's Seven Habits to Live More with Less
      • Stocks -- Part XIX: How to think about money
      • My path for my kid -- the first 10 years
    • ► May (5)
      • Why your house is a terrible investment
      • Stocks — Part XVIII: Investing in a raging bull
      • Dining with the Ghosts of Sarah Bernhardt and Alfons Mucha
      • How we finally got the house sold
      • Stocks — Part XVII: What if you can't buy VTSAX? Or even Vanguard?
    • ► April (4)
      • Greetings from Prague & a computer question
      • Swimming with Tigers, a 2nd chance on the Chautauqua, a financial article gets it wrong and I'm off to Prague
      • Storage, Moving and Movers
      • Homeless, and a bit on the strategy of dollar cost averaging
    • ► March (4)
      • Wild Turkeys, Motorcycles, Dining Room Sets & Greed
      • Roots v. Wings: considering home ownership
      • How about that stock market?!
      • The Blog has New Clothes
    • ► February (5)
      • Meet Mr. Money Mustache, JD Roth, Cheryl Reed & me for a Chautauqua in Ecuador
      • High School Poetry, Carnival, cool ads and random pictures that caught my eye
      • Consignment Shops: Best business model ever?
      • Cafes
      • Stocks -- Part XVI: Index Funds are really just for lazy people, right?
    • ► January (5)
      • Social Security: How secure and when to take it
      • Fighting giraffes, surreal landscapes, dancing with unicorns and restoring a Vanagon
      • My plan for 2013
      • VITA, income taxes and the IRS
      • How to be a stock market guru and get on MSNBC
  • ► 2012 (53)
    • ► December (6)
      • See you next year....until then: The Origin of Life, Life on Other Worlds, Mechanical Graveyards, Great Art, Alternative Lifestyles and Finding Freedom
      • Stocks -- Part XV: Target Retirement Funds, the simplest path to wealth of all
      • Stocks -- Part XIV: Deflation, the ugly escort of Depressions.
      • Stocks Part XIV: Deflation, the ugly escort of Depressions.
      • Stocks -- Part XIII: The 4% rule, withdrawal rates and how much can I spend anyway?
      • How I learned to stop worrying about the Fiscal Cliff and you can too.
    • ► November (2)
      • Rent v. owning: A couple of case studies in Ecuador
      • So, what does a month in Ecuador cost anyway?
    • ► October (4)
      • See you in December....
      • Meet me in Ecuador?
      • The Podcast: You can hear me now.
      • Stocks -- Part XII: Bonds
    • ► September (6)
      • Stocks -- Part XI: International Funds
      • The Smoother Path to Wealth
      • Case Study #I: Putting the Simple Path to Wealth into Action
      • Tales of Bolivia: Calle de las Brujas
      • Stocks -- Part X: What if Vanguard gets Nuked?
      • Travels in South America: It was the best of times....
    • ► August (1)
      • Home again
    • ► June (4)
      • Yellow Fever, closing up shop for the summer and heading to Peru y Bolivia
      • I could not have said it better myself...
      • Stocks -- Part IX: Why I don't like investment advisors
      • Happy Birthday, jlcollinsnh; and thanks for the gift Mr. MM!
    • ► May (6)
      • Stocks -- Part VIII: The 401K, 403b, TSP, IRA & Roth Buckets
      • Mr. Money Mustache
      • The College Conundrum
      • Stocks -- Part VII: Can everyone really retire a millionaire?
      • Stocks -- Part VI: Portfolio ideas to build and keep your wealth
      • Stocks -- Part V: Keeping it simple, considerations and tools
    • ► April (6)
      • Stocks -- Part IV: The Big Ugly Event, Deflation and a bit on Inflation
      • Stocks -- Part III: Most people lose money in the market.
      • Stocks -- Part II: The Market Always Goes Up
      • Stocks -- Part 1: There's a major market crash coming!!!! and Dr. Lo can't save you.
      • You can eat my Vindaloo, mega lottery, Blondie, Noa, Israel Kamakawiwo 'Ole, art, film and a ride on the Space Shuttle
      • Where in the world are you?
    • ► March (7)
      • How I lost money in real estate before it was fashionable, Part V: Sold! and the taxman cometh.
      • How I lost money in real estate before it was fashionable, Part IV: I become a Landlord.
      • How I lost money in real estate before it was fashionable, Part III: The Battle is Joined.
      • How I lost money in real estate before it was fashionable, Part II: The Limits of the Law.
      • How I lost money in real estate before it was fashionable, Part I: Impossibly Naive.
      • You, too, can be conned
      • Armageddon and the value of practical skills
    • ► February (6)
      • Rent v. Owning Your Home, opportunity cost and running some numbers
      • The Casanova Kid, a Shit Knife, a Good Book, Having No Regrets, Dark Matter and a bit of Magic
      • What Poker, Basketball and Mike Whitaker taught me about Luck
      • How to Give like a Billionaire
      • Go ahead, make my day
      • Muk Finds Success in Tahiti
    • ► January (5)
      • Travels with "Esperando un Camino"
      • Beanie Babies, Naked Barbie, American Pickers and Old Coots
      • Selling the House and Adventures in Staging
      • The bashing of Index Funds, Jack Bogle and a Jedi dog trick
      • Magic Beans
  • ► 2011 (22)
    • ► December (1)
      • Dividend Growth Investing
    • ► November (2)
      • The Mummy's head, Particle Physics and "Knocking on Heaven's Door"
      • "It's Better in the Wind" or why I ride a motorcycle
    • ► October (1)
      • Lazy Days and School Days
    • ► July (2)
      • The road to Zanzibar sometimes goes thru Ecuador...
      • Johnny wins the lotto and heads to Paris
    • ► June (16)
      • Chainsaws, Elm Trees and paying for College
      • Stuff I’ve failed at: the early years
      • Snatching Victory from the Jaws of Defeat
      • The. Worst. Used. Car. Ever.
      • Top Ten reasons your future is so bright it hurts my eyes to look at it
      • The Most Dangerous Words Your Customer Can Say
      • How not to drown in The Sea of Assholes
      • What we own and why we own it
      • The Ten Sales Commandments
      • My ever so formal and oh so dry CV
      • How I failed my daughter and a simple path to wealth
      • The Myth of Motivation
      • Why you need F-you money
      • My short attention span
      • Why I can’t pick winning stocks, and you can’t either
      • The Monk and the Minister

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