This was great. I have not looked but corporate bonds don't seem to be much higher than high yield savings account rates at least in times of moderately propped up interest rates. While that may be a faulty observation by me the extra yield vs. risk is the debate between those two investment choices. Putting a choice on a corporate bond in the context of whether the company will go broke or not was very helpful. Gave clarity to my thought process simplifying things.
Although just a reader and sometime commentor I think the world of jonathan. Never met so i regret not attending the pizzeria vetri meetup previously; truly great food there too. In Philadelphia for the rocky run this weekend and thinking through how to make attending work now.
A wrinkle on the transition from full time to part time paid work idea which i plan to do at age 60. Establishing yourself with a new organization rather than negotiating a part time role with the one you're retiring from while not likely financially superior seems healthier and more interesting psychologically. Even better to me if the role is in something else entirely you're interested in from the work you've focused on full time. A new industry, passion/hobby area, or just appears to be fun. It seems like a great moment to follow your curiosity rather than making a very rational financially driven decision. If you end up with both it's an unexpected joy.
These are indeed the decisions we all debate, some of us more intentionally and extensively than others. The keys may be to make no quick decisions, nothing spur of the moment, or reactionary to an event. Be introspective, say the thoughts out loud to others to refine your decision making rationale and sleep on it before acting to ensure no change if heart. Then remain flexible enough to change your mind again to change course if its still possible!
I read this at 5am EST prepping for an early 10k, one of many running races I've done annually for the last 7 years or so. As I near 50 my own money worries have continued to trend downward through good habits and some luck. I can envision reaching a similar frame of mind in the years to come of a life well lived without regrets or feeling cheated somehow.
My term life ends after 10 years when my son will be ten and i will be 53. Could we have gone longer? Of course but we have enough and only "more" would have been the reason and not a true need.
Comments
This was great. I have not looked but corporate bonds don't seem to be much higher than high yield savings account rates at least in times of moderately propped up interest rates. While that may be a faulty observation by me the extra yield vs. risk is the debate between those two investment choices. Putting a choice on a corporate bond in the context of whether the company will go broke or not was very helpful. Gave clarity to my thought process simplifying things.
Post: Resilient Investing
Link to comment from May 16, 2026
Although just a reader and sometime commentor I think the world of jonathan. Never met so i regret not attending the pizzeria vetri meetup previously; truly great food there too. In Philadelphia for the rocky run this weekend and thinking through how to make attending work now.
Post: Information on Jonathan’s Memorial Service
Link to comment from October 4, 2025
The book Extra Virginity by Tom Mueller goes in depth on the olive oils from tasting to outright fraud. Great read.
Post: Mind Over Money
Link to comment from February 1, 2025
A wrinkle on the transition from full time to part time paid work idea which i plan to do at age 60. Establishing yourself with a new organization rather than negotiating a part time role with the one you're retiring from while not likely financially superior seems healthier and more interesting psychologically. Even better to me if the role is in something else entirely you're interested in from the work you've focused on full time. A new industry, passion/hobby area, or just appears to be fun. It seems like a great moment to follow your curiosity rather than making a very rational financially driven decision. If you end up with both it's an unexpected joy.
Post: Taking Center Stage
Link to comment from January 25, 2025
These are indeed the decisions we all debate, some of us more intentionally and extensively than others. The keys may be to make no quick decisions, nothing spur of the moment, or reactionary to an event. Be introspective, say the thoughts out loud to others to refine your decision making rationale and sleep on it before acting to ensure no change if heart. Then remain flexible enough to change your mind again to change course if its still possible!
Post: Pick Your Peril
Link to comment from December 7, 2024
I read this at 5am EST prepping for an early 10k, one of many running races I've done annually for the last 7 years or so. As I near 50 my own money worries have continued to trend downward through good habits and some luck. I can envision reaching a similar frame of mind in the years to come of a life well lived without regrets or feeling cheated somehow.
Post: No Regrets
Link to comment from September 7, 2024
My term life ends after 10 years when my son will be ten and i will be 53. Could we have gone longer? Of course but we have enough and only "more" would have been the reason and not a true need.
Post: Unasked Questions
Link to comment from August 3, 2024
So many get no pension in today's retirement scenarios, what a luxury to have that decision to contemplate.
Post: Unasked Questions
Link to comment from August 3, 2024
Autul Gawande's book Being Mortal expands on this area. It's a very constructive individual read and family discussion tool.
Post: Unasked Questions
Link to comment from August 3, 2024
Nice article!
Post: No Slowing Down
Link to comment from July 27, 2024