Education

Articles

Essays about retirement timing, saving, and diversification. They are education, not instructions. New pieces wait for a separate review before they are published here. The November 2026 drafts on claiming age and working longer are not on this site yet.

• January 19, 2024

  The Beginner's Guide to Investment Diversification for Retirement

  A beginner’s tour of diversification across asset classes, with a hypothetical 2008 story. It is an illustration, not a portfolio recommendation.

• January 10, 2024

  How Does Retirement Work?

  From the first working years to a retirement age you choose, this article walks through compound growth, spending needs, and asset allocation — as education, not a plan.