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It’s Never Too Late
18 replies
AUTHOR: William Housley on 2/26/2026
FIRST: Mark Crothers on 2/27 | RECENT: Jennifer Larson on 3/6
How Far Back Would a 40% Drop Take Us?
21 replies
AUTHOR: William Housley on 2/20/2026
FIRST: David Lancaster on 2/20 | RECENT: Bill C on 2/26
Should You Stop Contributing To Your IRA?
19 replies
AUTHOR: William Housley on 2/9/2026
FIRST: Randy Dobkin on 2/9 | RECENT: David Firth on 2/17
Sleeves or Buckets?
5 replies
AUTHOR: William Housley on 2/3/2026
FIRST: Mark Crothers on 2/4 | RECENT: Mark Crothers on 2/4
Average vs. Humble Average
26 replies
AUTHOR: William Housley on 12/28/2025
FIRST: Mark Crothers on 12/28/2025 | RECENT: William Dorner on 1/4
You DRIP?
21 replies
AUTHOR: William Housley on 12/8/2025
FIRST: Chris Rush on 12/8/2025 | RECENT: R Quinn on 12/10/2025
Thanksgiving: The Keeping Story
22 replies
AUTHOR: William Housley on 11/26/2025
FIRST: R Quinn on 11/26/2025 | RECENT: Mike Wyant on 11/28/2025
THE REAL RETURN ON DELAYING SOCIAL SECURITY
53 replies
AUTHOR: William Housley on 11/12/2025
FIRST: Mark Bergman on 11/12/2025 | RECENT: Mark Ukleja on 11/23/2025
Which Brokerage Works Best for U.S. Expats?
11 replies
AUTHOR: William Housley on 11/18/2025
FIRST: Linda Grady on 11/19/2025 | RECENT: OldITGuy on 11/23/2025
Does My Sister Need a Financial Advisor?
30 replies
AUTHOR: William Housley on 11/4/2025
FIRST: DAN SMITH on 11/4/2025 | RECENT: Jane on 11/15/2025
The Conversation: Contrarian Meets Momentum
9 replies
AUTHOR: William Housley on 11/7/2025
FIRST: David Lancaster on 11/8/2025 | RECENT: Fund Daddy on 11/8/2025
Contrarian Thinking About Roth Conversions
31 replies
AUTHOR: William Housley on 10/15/2025
FIRST: Nick Politakis on 10/16/2025 | RECENT: Randy Dobkin on 10/19/2025
Your Portfolio, Your Business
12 replies
AUTHOR: William Housley on 10/2/2025
FIRST: DAN SMITH on 10/2/2025 | RECENT: William Housley on 10/5/2025
Our Special Relationship
10 replies
AUTHOR: William Housley on 9/18/2025
FIRST: Mark Crothers on 9/18/2025 | RECENT: MikeinLA on 9/27/2025
Laughter, the Best Medicine
4 replies
AUTHOR: William Housley on 9/8/2025
FIRST: Mark Crothers on 9/9/2025 | RECENT: Cheryl Low on 9/9/2025
Smarter Giving in Retirement and the Medicare Gotcha
6 replies
AUTHOR: William Housley on 9/7/2025
FIRST: R Quinn on 9/7/2025 | RECENT: Suzee on 9/8/2025
Paper Certificates to Real-Time
7 replies
AUTHOR: William Housley on 8/23/2025
FIRST: Patrick Brennan on 8/23/2025 | RECENT: William Housley on 8/24/2025
Outliving Your Money? Let’s Do the Math on Annuities
62 replies
AUTHOR: William Housley on 8/13/2025
FIRST: Jonathan Clements on 8/13/2025 | RECENT: rgscl on 8/17/2025
The Silent Compounding Cost of a 1% Fee
60 replies
AUTHOR: William Housley on 5/13/2025
FIRST: Jack Hannam on 5/13/2025 | RECENT: Bogdan Sheremeta on 8/13/2025
When an Index Fund Is Not an Index Fund
7 replies
AUTHOR: William Housley on 7/27/2025
FIRST: Mark Crothers on 7/28/2025 | RECENT: David Powell on 8/4/2025
Dividend Days
70 replies
AUTHOR: William Housley on 6/28/2025
FIRST: David Powell on 6/28/2025 | RECENT: Mark Eckman on 7/6/2025
“A Complex Portfolio, a Modest Account”
12 replies
AUTHOR: William Housley on 6/13/2025
FIRST: normr60189 on 6/13/2025 | RECENT: William Housley on 6/13/2025
The Victim Might Be You
21 replies
AUTHOR: William Housley on 5/21/2025
FIRST: Jeff Bond on 5/21/2025 | RECENT: R Quinn on 5/24/2025
Safety Net or Gambling Chip? Wrestling with Wealth and Wisdom”
7 replies
AUTHOR: William Housley on 4/7/2025
FIRST: William Perry on 4/7/2025 | RECENT: Rob Jennings on 4/12/2025
What Kind of Loss Is This?
15 replies
AUTHOR: William Housley on 4/4/2025
FIRST: R Quinn on 4/4/2025 | RECENT: Mike Wyant on 4/6/2025
Luck or Providence?
5 replies
AUTHOR: William Housley on 3/6/2025
FIRST: baldscreen on 3/6/2025 | RECENT: mytimetotravel on 3/19/2025
My Favorite Websites
16 replies
AUTHOR: William Housley on 3/13/2025
FIRST: David Lancaster on 3/13/2025 | RECENT: Steve Spinella on 3/18/2025
Resolutions:
11 replies
AUTHOR: William Housley on 12/28/2024
FIRST: Jeff Bond on 12/29/2024 | RECENT: Tim Mueller on 1/4/2025
No tax on your Social Security?
43 replies
AUTHOR: William Housley on 11/23/2024
FIRST: mytimetotravel on 11/23/2024 | RECENT: R Quinn on 11/26/2024
Everything About Retirement on a 3x5 card
10 replies
AUTHOR: William Housley on 8/14/2024
FIRST: Jonathan Clements on 8/14/2024 | RECENT: Cheryl Low on 8/20/2024
Comments
Your post highlights one of the many little differences between living in the UK and living in the USA. For about as long as you never touched a credit card is about as long as I have never touched cash.
Post: Loose Change
Link to comment from March 2, 2026
Maybe I am wrong, but it seems to me that reducing debt and saving more are two sided of the same coin.
Post: It’s Never Too Late
Link to comment from February 27, 2026
The point of a rule of thumb is simplicity. No plan works if it isn’t implemented. The more complex the system, the less likely it is to be started or sustained. A simple framework, consistently applied, will outperform a more precise model that never leaves the spreadsheet. Implementation matters more than optimization.
Post: A Rule of Thumb Is Not a Plan
Link to comment from February 26, 2026
I’m sorry, but this reads more like a rant than a constructive argument. It centers on something none of us can control, which makes it difficult to see the practical value.
Post: Need, yes. Deserve, no! Who “deserves” more?
Link to comment from February 24, 2026
Jonathan Clements was known for clear, practical, evidence-based financial writing that emphasized low costs, broad diversification, disciplined asset allocation, and long-term patience. He devoted as much attention to investor behavior as to investment selection, cautioning against overconfidence, market timing, and emotionally driven decisions. In his later work at HumbleDollar, his voice grew more reflective, reminding readers that the aim is not simply to maximize wealth, but to use money wisely in building a thoughtful and balanced life. Dear Mr. Quinn, Please consider shaping your submissions in a style more in keeping with Jonathan’s — clear, disciplined, evidence-grounded, and mindful of the larger purpose money serves.
Post: Need, yes. Deserve, no! Who “deserves” more?
Link to comment from February 24, 2026
FYI: Let’s say you are sitting on 50K that you need to invest. My research says it is slightly better to put it all in at once rather than dollar cost average (DCA). But DCA from your paycheck is a different story.
Post: How Far Back Would a 40% Drop Take Us?
Link to comment from February 21, 2026
You did good thinking on this. The purpose of most of my submissions is to encourage people to think out of the box. It seems you are already an out of the box thinker.
Post: How Far Back Would a 40% Drop Take Us?
Link to comment from February 20, 2026
Oh… that’s why. Good to know. Thank you.
Post: If you have done well, be proud.
Link to comment from February 16, 2026
You’re correct—there are important structural distinctions between IRAs and employer plans like 401(k)s and 403(b)s. My intent wasn’t to collapse those differences, but to focus on the shared math and behavior across retirement accounts, particularly the point at which portfolio growth overtakes new contributions. I agree the title should better reflect that nuance.
Post: Should You Stop Contributing To Your IRA?
Link to comment from February 10, 2026
You are right. No one should feel compelled to make changes based on a single article that’s simply offering a different way of looking at things. Still, it can be a worthwhile exercise to step back and ask a simple question: What role is each investment meant to play?
Post: Sleeves or Buckets?
Link to comment from February 4, 2026