Category
Two people can save the same money and end up with the same portfolio balance. One retires at 52. One has to wait until 59½. The only difference is which account the money went into.
Refined FI
23 min read
Understand what a retirement calculator should do and use a five-tool framework that turns each answer into your next retirement decision.
16 min read
BlackRock's BDVIX owns thousands of bonds, but retirement income diversification requires more than one income engine.
8 min read
The best bond funds for retirement are usually active, flexible funds, not debt-weighted indexes. Refined FI weighs inflation and stock-bond correlation first.
11 min read
You can't pay for groceries with national averages. Start with what you spend now, subtract Social Security and your pension. That gap is your portfolio's.
14 min read
Protect your 401(k) from a market crash before it starts. The 2022 crash erased 21 years of one family's annual 401(k) savings.
30 min read
Retirement income sources that behave differently in difficult markets. Most portfolios are built to grow wealth. This one was built to distribute income.
7 min read
Should you get out of the stock market? Only if you have a tested system to get out and back in. I have a system that's been live since 2005 and finished 4 years ahead of buy and hold.
10 min read
Use 100% C Fund more than 10 years out, 70% C Fund and 30% G Fund inside 10, then let your retirement income gap set the final allocation.
14 min read
Want a retirement edge most people miss? The HSA can beat the Roth IRA, if you know three rules. See the 2026 math.
10 min read
The best bond funds for retirement are usually active, flexible funds, not debt-weighted indexes. Refined FI weighs inflation and stock-bond correlation first.
11 min read
Retirement income sources that behave differently in difficult markets. Most portfolios are built to grow wealth. This one was built to distribute income.
7 min read