We Bought Another Home In Our Neighborhood

Our very long term goal is to ensure that it is affordable for our children to live in our neighborhood if they so desire when they are older.  Housing prices have risen way faster than wages and coupled with the massive increases in borrowing costs, locking in housing when a …

The Underlying Investment Risk Of Modern Retirement

Here’s the conventional “wisdom”. The conservative safe investing playbook:  Invest 10% of your income into a 401K with 60% going into a total stock market index fund and 40% going into a total bond market fund.  Retire at 65 and withdrawal 4% of the starting portfolio balance every year until …