AS A PHYSICAL therapist, I’ve spent a large slice of each work day teaching and encouraging patients as they exercise their way to better health. Along with other elements of treatment, each patient pays for a custom exercise program tailored for their specific problem.
These are folks looking for a way past the debilitating effects of injury or disease. Even so, many of them find it hard to follow my plea to “do your exercises”.


Comments
Yes, that's my takeaway. But as Mark argues, I customize my numbers to fit my own situation. And I'm still drawn to Jonathan's repeated advice of a globally-diversified stock portfolio supplemented by five to seven years of short-term government bonds. Simple, yet sufficient.
Post: Buffett’s 90/10 is Wrong. Even Though it’s Right.
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Dick, I'm so sorry to hear about the people close to you having troubles. I hope Connie comes back to better health soon.
Post: No, it is not a scam
Link to comment from March 11, 2026