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Comments

• I really appreciate this article. It is exactly where I find us financially at our stage of life. We are and always have been 100% invested in stock index funds. We don't need to pursue growth but i always think that bonds are a break even no growth investment after inflation eats the gains. I hold no bond or foreign ETF's. I am considering going 100% Vanguard Total World VT

  Post: Becoming A “Bad Investor”

  Link to comment from December 17, 2025

• I find it to be the right approach for us. I don't specifically track our income and expenses. I do know that our income is about the same as when we worked and if many that say expenses go down in retirement are correct so we do have excess every month that we continue to invest and save

  Post: AI speaks out on retirement income replacement percentage

  Link to comment from December 5, 2025

• After 30+ years of investing I know that downturns always come back. I always sleep well no matter what the stock markets do. I'm a big picture guy not a micro manager

  Post: Which bond fund?

  Link to comment from December 3, 2025

• About 60% does. We continue to invest our access into retirement accounts and savings buckets for vacations, cars, and our"Rainey day" accounts We are currently 10% cash, 10% Vanguard Growth, 30% Vanguard Total Market U.S.,50 Vanguard All World. If I were to add bonds we would be something like 10%Cash, 55% Vanguard All World, 10% Vanguard Growth, 25% Vanguard Total Bond

  Post: Which bond fund?

  Link to comment from December 3, 2025

• So true. With 110% guaranteed income and now needing our retirement accounts we have piece of mind

  Post: The 4 Year Rule for Retirement Spending

  Link to comment from December 2, 2025

• Being retired, having always been 100% in stock indexes, and having 110% of our our retirement income replaced I can't justify bond funds. But I appreciate articles such as this one because it always challenges me to rethink our portfolio

  Post: Which bond fund?

  Link to comment from December 2, 2025

• I really appreciate your Kiplinger Magazine reference. It was my "go to" for all things financial

  Post: How to build your nest egg

  Link to comment from December 1, 2025

• My first car was cool. It was a VW Bug convertible that cost me $600 and I paid cash. Sure the valves were blown, when I went up a hill it would only go about 30mph, both backseat floor boards were rusted through, and the exterior was a rust bucket. But when the top was down it was cool... And so was I.

  Post: How to build your nest egg

  Link to comment from December 1, 2025

• I always smile or maybe smirk when the consumer is always warned that "past results are no indication of future results". Yet, the only numbers Financial Advisors can use to prove to us that they are worth their fees are past results 😎

  Post: How to build your nest egg

  Link to comment from December 1, 2025

• This is one of the reasons I stick with the financial lesson articles. Ones that I can apply, am challenged by, and can pass along to others

  Post: Letter from Elaine

  Link to comment from November 23, 2025