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Zen The Frenzy

Sometimes you just need to find a way to zen the frenzy.

Popular posts from this blog

Purple sauerkraut

In the frenzy every moment is precious. There are so few opportunities to do... well -- anything other than getting parents and children fed and in bed. Still, every once in awhile we get to spend a few minutes being proactive about making our food healthier and more environmentally friendly. We've always been inclined to make food rather than buy prepared food. And when I'm ambitious, I like to preserve food in various forms. One of the easiest things to do when it comes to food preservation is to ferment vegetables. With a small investment of time you can get something that is healthier than anything you would buy in the grocery store. It also tastes much better than the food you pull off the grocery shelves. Perhaps the best example of this is sauerkraut. Something about cabbage makes it just an easy vegetable to start fermenting. I also don't feel like you need to complicate it. If you look for recipes online there will often be a fancy take on sauerkraut t…

Is your bond allocation worth working another 2 years?

Sometimes we fall prey to an illusion of control in the midst of the frenzy. Saving and investing can feel intimidating. We don't want to lose money. Investing is much more fun when money is growing. Fear lies below the surface. What if the market falls. So we spend some time on google and discover asset allocation. Put some money in bonds and you'll be buffered against the inevitable fall of the market. You can adjust your bond allocation based on your age. You may even build in an extra allocation, called a bond tent, as you get closer to retirement. The only problem - it doesn't work while you're building wealth. It's particularly bad for proponents of financial independence who save up to some multiple of their living expenses. With "traditional" retirement, where you fix a retirement date, the closer you get to that date the more likely you are to want to protect the money you have saved. But what if that's turned on it's head a…

Dear reddit - a bond tent case study

Dear reddit, Sometimes I just seem to find the frenzy. It's a talent. Either way, a thread on reddit raised a question about using a bond tent as you approach financial independence. (Is it recommended to use a bond tent when approaching FIRE date soon?) So I jumped in with my perspective that it is not a good idea when saving to a target amount rather than saving to a target date. This opinion was based on numbers I ran for my previous post on bond allocation. The author of the thread took a brave step of throwing up their calculations in google sheets in a follow up post. (Show Reddit: Sample Calculation for Bond Tent During Accumulation Phase - Seems to be Worth It!?) We had some back and forth discussion, but to be fair he put his calculations out in public so I could dissect them. It seems only fair that I do the same. I'm not going to use the original script or parameters that I prepared for the previous post because the script was a bit ugly and the scenario o…