HD Reader’s Demographics
21 replies
AUTHOR: Mark Bergman on 6/16/2026
FIRST: Dan Smith on 6/16 | RECENT: Mike Lynch on 6/18
Actually, Lets NOT Forget the 4% Rule - as Posted Yesterday 3/6/26
3 replies
AUTHOR: Mark Bergman on 3/7/2026
FIRST: greg_j_tomamichel on 3/7 | RECENT: Mark Bergman on 3/7
Why Delaying Your Social Security Benefits May Not Make Sense
38 replies
AUTHOR: Mark Bergman on 10/9/2025
FIRST: Winston Smith on 10/9/2025 | RECENT: William Perry on 10/10/2025
Nick Maggiulli’s take on Bergen's 4.7 or 5% Withdrawal Rate
10 replies
AUTHOR: Mark Bergman on 9/23/2025
FIRST: Terry Wawro on 9/24/2025 | RECENT: bbbobbins on 9/25/2025
Is 4.7 % the NEW 4.0 % Safe Withdrawal Rate
64 replies
AUTHOR: Mark Bergman on 8/17/2025
FIRST: David Powell on 8/17/2025 | RECENT: Rick Connor on 9/4/2025
re RDQ’s “down arrows” —> My 1 cent :
43 replies
AUTHOR: Mark Bergman on 8/29/2025
FIRST: Jonathan Clements on 8/29/2025 | RECENT: R Quinn on 9/1/2025
Dividends Part II - At least
41 replies
AUTHOR: Mark Bergman on 8/23/2025
FIRST: Mark Crothers on 8/23/2025 | RECENT: L H on 8/29/2025
A Rant about the Price of Gas, Part II: Live Experiment
12 replies
AUTHOR: Mark Bergman on 6/13/2025
FIRST: Liam K on 6/13/2025 | RECENT: mytimetotravel on 6/21/2025
A Rant about the Price of Gas
51 replies
AUTHOR: Mark Bergman on 5/2/2025
FIRST: R Quinn on 5/2/2025 | RECENT: David Powell on 6/13/2025
What exactly has to happen for a stocks value to go up or down?
9 replies
AUTHOR: Mark Bergman on 4/9/2025
FIRST: quan nguyen on 4/9/2025 | RECENT: Sanjib Saha on 4/10/2025


Comments
re: but more likely you’ll find a sad story of those actually running out as a result of dementia related fraud/romance cons etc if this is true, (and i am not saying yes or no) it could equally apply to retirees with very large portfolios, and therefore not really be due to a portfolio “failing”.
Post: For most retirees, the greatest fear is not death—it is running out of money before they die.
Link to comment from August 10, 2026
“For most retirees, the greatest fear is not death—it is running out of money before they die.” Excluding those who retired with negligible savings, does anyone on this forum know of someone who retired with say 1 M in assets - arbitrarily number I’ve chosen - or more, who subsequently ran out of money during their retirement ?
Post: For most retirees, the greatest fear is not death—it is running out of money before they die.
Link to comment from August 8, 2026
I love those tires - they are excellent in winter !
Post: Tempted by the Shiny and New: Another HD Car Post
Link to comment from July 5, 2026
I am traveling and dont have time to cut and paste etc, however, while downloading articles to read on the plane i noticed that The Atlantic has two articles on AC, for those with access.
Post: The Price of a Cool Pillow
Link to comment from June 28, 2026
There is a train of thought, coming from serious thinkers, that a reason, or one of the reasons, the EU has not kept pace with the US in terms of productivity and economic growth, is the lack of AC in Europe.
Post: The Price of a Cool Pillow
Link to comment from June 26, 2026
Recent articles - sorry I don’t remember where - describing the results of research on retirement spending indicate : 1) retirees concern about running out of money leads to vast underspending 2) those with automatic income streams are considerably less prone to underspend.
Post: Automatic Income stream? How important to you?
Link to comment from June 26, 2026
Real data would be nice - still waiting for an editor to respond ?
Post: HD Reader’s Demographics
Link to comment from June 17, 2026
I believe it is a mistake to include your cars, and more controversially, your house in your net worth. Neither are liquid assets. Neither contributes to your funds available for spending/living. You have to live somewhere….. Mild exception ; if you have a reverse mortgage.
Post: What’s in your portfolio ?
Link to comment from June 15, 2026
Same here, down I-80/90 in NE Ohio.
Post: Lifetime Supply
Link to comment from May 22, 2026
Addendum: there is something very satisfying (?) to having made a purchase that was overpriced, not really needed, etc, but just went ahead and bought it anyway, without any second thoughts, just because I could !
Post: Taste Bud Training
Link to comment from May 22, 2026