escape-velocity
Thirty years of market history determines whether your portfolio survives — but the single most consequential number in that history is the one printed on the day you stop adding to it and start taking from it.
the-numbers
The Trinity Study never promised 4% forever — it promised 4% would have survived three decades of U.S. market history, and current data shows even that narrower claim is getting more expensive to satisfy.
the-numbers
Historical average equity returns make for clean planning—until you check what current valuations imply for the decade ahead.
the-numbers
A dividend payment doesn't create income—it creates a choice you could have made yourself, and yield-chasing often costs more than it delivers.