Financial Independence Happens Faster Than You Think

If you’re one of the many young people just starting-out on the path to financial independence (or even an older person just trying to catch up), the numbers can seem a little daunting.  Using common retirement rules like the “4% rule”, a $1 million dollar portfolio can safely generate a mere $40,000 of income per year.

For many, this seems like a ridiculously small amount of income to earn from such a large amount of saved money.  Perhaps you were hoping for a much larger income in retirement…

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The Bessembinder Factor

If there’s one unsung hero of the personal financial world that needs a medal, I think it should be Hendrik Bessembinder.  “Hendrik who?” you’re probably wondering…

Hendrik Bessembinder, is a professor from Arizona State University that researches and studies long-term wealth creation of the stock market.  He studies the how part of how the stock market creates wealth…

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The Straw That Broke This Camel’s Back…

People can pick up and move homes for many good reasons.  Sometimes it’s a job, sometimes it’s to be closer to loved ones, and occasionally it’s to retire to cheaper location.

This process of moving to ensure a wonderful retirement is commonly known as geo-arbitrage.  It’s very common for retirees to move, and something the Tako family has been considering for quite awhile now. 

Along with a cheaper cost of living, we’ve been looking for a nice, safe, quiet place to finish raising our kids…

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Where To Invest Your Excess Cash In 2021

If you’re like most people, your annual household spending was down significantly in 2020 because of the pandemic.  Saving money must have been on everyone’s mind, because the U.S. savings rate saw massive increases in 2020.  By January of 2021, the U.S. savings rate had increased to 20.5%.

That’s certainly a lot of cash being saved!  Bank deposits are now at record highs…

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The ROE Conundrum: Where Did The Shareholder Returns Go?

Personal finance can (at times) be a difficult and deliberately obtuse field for a layman to study.  With acronyms like ROE, EBITDA, ROIC, CAGR, PEG, and hundreds of different valuation ratios, investing can be a dizzyingly complex topic.

Like other fields of great complexity, humans have created helpful little maxims to help wrap our terrestrial brains around the complex financial topics of personal finance and investing…

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Mr. Tako Escapes