Making decisions is easier if you eliminate duplicate options and identify the essential purpose of the decision.
There is no certainty in investments and even less when you are withdrawing capital.
We all think we need more money,. The interesting question is what’s the least we can get along with?
You do not need to play all-or-nothing games with your retirement money.
You minimize the harmful effects of what you can anticipate.
For most people, the calculation of retirement income is not like you have been told.
You should not assume investments will produce the same lifestyle forever.
What if you could see the problems while you could fix them.
You can overcome unpleasantness when you can anticipate it.
Organized common sense has more implicit assumptions than you think.