Maybe Investing Isn’t Worth The Risk
A little while ago I had my worst mountain bike crash in a long while. Playing ironically true to the contrarian I am, I wasn’t even riding on the actual dirt trails when it happened. I had just come off...
Category: investing
I’m Lazy With My Money And Sometimes That Costs Me
I achieved financial independence accidentally in my mid-40’s, thus my blog name. By nature I’m pretty frugal and a saver. The money I saved went into mutual funds for the most part, and the bulk of that was index funds. ...
Seeking Stable Financial Blood Sugar
Last summer I decided to start de-risking my portfolio and reduce my stake in equities. As I wrote in that post the decision had nothing to with timing the market. I know that I nor anyone else can do that...
Owning Bonds In A Low Interest Rate Environment, Some Real Analysis
A little while back I posted about de-risking my portfolio as I get older and closer to full retirement. I explained how I lowered my equity stake and increased my bond allocation to 25%. And with that increase in bonds...
I’m De-Risking My Portfolio
The VTSAX Total Stock Market Index Fund went up 20.99% in the crazy year called 2020. So far in 2021 as of this writing it’s up another 18.3%. That makes for a total increase of 39.29% since Jan 2020, two...
Study: Cash Panickers From COVID-19 Volatility Lost Money
When the crisis of the coronavirus and COVID-19 became real, the U.S. stock market fell 34% from it’s peak on February 19th, 2020 and bottomed out on March 23rd. Many panicked during that time period and sold equities for the...
To Survive A Bear Attack, Just Play Dead
I’ve spent a ton of time hiking and camping in wilderness, and that means being in bear country. More specifically, I’ve spent a lot of time in grizzly bear territory which is just a few states in the lower 48,...
How My Net Worth Quadrupled This Past Decade
It was the best of times, it was definitely not the worst of times. The S&P 500 roared to another amazing high in 2019, returning an eye-bulging 28.88% for the year. But the bigger story is the decade-long bull market,...
The Real Value Of Mutual Funds Over Time
In a post a little while back I lamented that the deck is kind of stacked against us these days when it comes to being financially responsible. Whether it be the endless gadgets that are one click away or increasingly...
You Must Surrender Control
In general most of us like to be in control of things. Surrendering control in any facet of life usually requires faith and trust. Riding shotgun in a car requires trust in the driver. Taking medication demands trust in the...
A Real Example Showing Why You Need To Be In The Market
If you’re new to my story, I reached financial independence in my mid 40’s. I started investing money in the stock market in the mid 1990’s after reading Money magazine and realizing mutual funds were pretty simple and easy. The...
How To Up Your Mental Money Game
It was about 22 degrees out with a decent breeze making it feel colder, and dark. My hands were getting numb as I had to remove my gloves to work the latch to unattach the chain from my waistbelt. “Dave? ...
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