FREE NEWSLETTER
Time to Be Fearful
23 replies
AUTHOR: William Housley on 3/27/2026
FIRST: Mark Crothers on 3/27 | RECENT: William Housley on 3/29
What, Me Worry?
19 replies
AUTHOR: William Housley on 3/12/2026
FIRST: David Lancaster on 3/12 | RECENT: David Lancaster on 3/18
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
Let’s reverse the question you asked at the end: “Do you ever look back at what you spent on yourself and wonder what your life would have been like had you made a different decision?” Having spent short periods of time living among the poorest of the poor, I’ve noticed something striking: they don’t tend to ask the question your intriguing contribution raises. Their framework is different. Children are not primarily viewed through a financial lens—as costs, trade-offs, or constraints on optionality—but as part of the fabric of life itself. Even in scarcity, they are often seen as a source of meaning, identity, and, at times, even hope. That doesn’t invalidate your experience or your decision—it reflects a different set of priorities shaped by different circumstances. But it does suggest that the financial calculus, while real and important, may not be the only—or even the primary—measure by which a life is ultimately evaluated.
Post: Financial regrets about parenthood?
Link to comment from April 12, 2026
We all have an expiration date. My aim is to extend mine—and help extend others’. I exercise daily, read and write to stay sharp, and regularly donate blood and platelets to give life to others. KISS—keeping it simple.
Post: Getting Older
Link to comment from April 8, 2026
The BOLD was a mistake - OOPS 😁
Post: Note to HD Writers and Contributors
Link to comment from April 4, 2026
Elaine: Regarding the suggestion to “Please also help to police the site,” I propose that contributors voluntarily limit themselves to one contribution per week. This would encourage everyone—especially more prolific contributors—to focus on their highest-quality ideas.
Post: Note to HD Writers and Contributors
Link to comment from April 4, 2026
Thank you.
Post: Forum Rules
Link to comment from March 30, 2026
I can always sleep at night, and most days in the afternoon too. 😁 Why? Because my hope is not found in wealth. - Happy Easter everyone.
Post: Time to Be Fearful
Link to comment from March 29, 2026
I’d like to say look how smart I am. 😁 But the truth is I had no clue. 😳 Cheers
Post: Time to Be Fearful
Link to comment from March 28, 2026
I think my biggest lesson is this: when my fear was greatest, I needed to hold fast. Second—if I may add another—I came dangerously close to making a mistake I might never have recovered from. I can’t do that again. Fairy tales seldom work out. I wasn’t especially smart or lucky. I was blessed—and rescued.
Post: Time to Be Fearful
Link to comment from March 27, 2026
Is it permissible to use the “C-word?” I can edit it out but it is real.
Post: Time to Be Fearful
Link to comment from March 27, 2026
Started in 2016 then big dip ~2019…
Post: Time to Be Fearful
Link to comment from March 27, 2026