Writing is hard. Writing well is harder.
This page contains a curated content collection of great articles, papers, publications, and videos I have recently consumed that impressed me, made me think, challenged my preconceptions, changed my views, or genuinely entertained me.
I am a big believer in giving credit where credit is due, and as such I believe that time spent consuming any of the content listed below is Time Well Spent.
Credit Suisse Global Investment Returns Yearbook 2018 The Credit Suisse Global Investment Returns Yearbook Summary Slides 2018 Berkshire Hathaway shareholder letter 2017 Top Five Largest Cities Throughout History [pt. 1] The top five largest cities by population throughout history, from 3000 BCE to 1600.… Twitter Log in Sign up ᴅᴀᴠɪᴅ ᴘᴇʀᴇʟʟ ✌ @ david_perell 1/ I’ve collected tons of career advice. Here’s the best of the best. 👇 Thread 👇 Enter a topic, @name, or fullname… Will Australia’s New Advisor Competency Standards Be A Roadmap For US Regulators? Executive Summary In recent years, the world has been awash in fiduciary regulatory for financial advisors, from the Future Of Financial Advice (FOFA) reforms… Unraveling Retirement Strategies: Variable Spending from a Volatile Portfolio In Unraveling Retirement Strategies: Constant-Dollar Spending (4% Rule) , I described retirement funding strategies like the “4% Rule” that base portfolio… Live it up like a graduate student and save a fortune I had an older friend in college in the 1990s called Guy who was significantly cooler than me. Guy got his mathematics PhD two years early. So far so nerdy. But… Market Timing and Risk Management, Part 1 – Macroeconomics Last week’s post ended with a bit of a cliff-hanger: I wrote about how the major stock market disasters are highly correlated with U.S. recessions. Since it… Why are careers in information technology unfulfilling? In the personal finance community, we get to read a lot of people’s stories about why they chose a path to early retirement (or at least financial… Burnout and Fractures | The Happy Philosopher Burnout and Fractures I was reading an MRI the other day on a young runner with hip pain. There were the tell-tale signs of a stress fracture. If she kept… The Abnormal Environment The Abnormal Environment On Unexpected Side Effects and How to Prepare for Them Nuclear Bomb, Goldsboro, NC (Photo: Wikimedia Commons) They were 10 hours into… Aussie expats becoming potential collateral tax damage If the Hockeys were “normal” expat Australians, Treasurer Scott Morrison would be about to whack them with a surprise $1.1 million capital gains tax bill for… Yearly Rebalancing Of Priorities 2/4/2018 Just like your financial portfolio, once a year it’s worth sitting down with your priorities to ensure that those areas where you’ve made satisfying… 2018 winning images - Underwater Photographer of the Year | | | | | | | | | | | | | Award Winners Underwater Photographer of the Year: 'CYCLE-WAR' Tobias Friedrich (Germany) British Underwater Photographer of the Year:… Tiny artwork captures disappearing Hong Kong BBC/Cyrus Wong After World War Two, Hong Kong saw an influx of refugees from mainland China. Penniless, many of them could only live in wooden huts they built… Passive Income is King - Zero Day Finance Share Share When it comes to early retirement, everyone tends to focus on net worth. Seriously, net worth is king. I track mine every month, and there are… Unraveling Retirement Strategies: Constant-Dollar Spending (4% Rule) Sustainable Withdrawal Rate (SWR) strategies are based on the work of William Bengen  , whose research uncovered sequence of returns risk. The basis of the… Uncovering the hidden benefits of a shrinking buy-to-let market About Blog Podcast Books Getting Started Making a property investment business plan Rental yield calculations Property investment strategies How to quit your… Making Sense vs. Being Right People tend to care about something making sense more than they care about something being right. It’s why we’re bad at forecasting and easily persuaded and why… Mapping the World’s Wealthiest Cities Mapping the World’s Wealthiest Cities on February 16, 2018 at 12:48 pm Share Share Reddit Email Shares 60 The Top 15 Cities Globally Hold $24 Trillion in Wealth… An Actuary's Take on Longevity and Early Retirement - Physician on FIRE Today’s guest comes someone who loves numbers even more than I do. As an actuary, the guy practically bathes in numbers. He also spends a lot of time… Happiness, income satiation and turning points around the world | Nature Human Behaviour Happiness, income satiation and turning points around the world | Nature Human Behaviour Decision Regret One of the hardest parts of the decision-making process in any endeavor stems from the fact that there are no counterfactuals. You can’t simply run a simulation… Technology adoption by households in the United States Technology adoption by households in the United States - Our World in Data No more land in London, so they're selling off the air space No more land in London, so they're selling off the air space SAVILLS The air space above this rooftop is on the market - the owners of the apartment building… Get Rich with…The Process I’m going to let you into a secret. Most people don’t want to be rich. Oh, I know they say they do. But humans are complicated and they say lots of things.… Real Estate Bubbles: The 8 Global Cities at Risk on February 13, 2018 at 1:51 pm Share Share Reddit Email Shares 0 Note: cities with “Bubble Risk” (>1.5) are shown in red. Courtesy: UBS If you had $1 billion… It’s All Relative It’s All Relative On Financial Relativity and Overcoming Your Biases Photo: Pexels Imagine you are sitting on an asteroid in deep space and you have a friend… Are these the worst examples of business jargon? Earlier this month, when we set about to demystify some of the worst business jargon at the World Economic Forum in Davos , we could not have imagined it would… UK house prices: Looking far into the past and into the future… | VOX, CEPR’s Policy Portal Average house prices in the UK have risen much faster than average incomes over recent decades. Relative to average disposable incomes, houses are not far off… Two Years Later: Is FIRE Worth It? It’s been two years since I hung-up my career hat, and traded it for the disheveled hair of a stay-at-home dad/blogger. I gave up the daily grind and found an… See one, Do one, Teach One. Do you SODOTO? - Millionaire Doc “We’ve got a MVA coming, burn injuries, ETA 10 minutes, let’s go!” Years ago when I was a medical student on the trauma surgery rotation, this call came in. I… Winning photos from the International Garden Photographer of the Year 2018 A picture of the vast ecological region known as the Cerrado in Brazil has won first place in this year's International Garden Photographer of the Year. Marcio… Why Competitive Advantages Die “No one has to tell you you’ve come to the right place. The look of merchandising authority is complete and unmistakable.’’ That’s how the New York Times… Florida boy squeezes into arcade machine A young boy became stuck in a machine in an amusement arcade while attempting to win a toy in Titusville, Florida. Mason crawled through the machine's small… It's the (Democracy-Poisoning) Golden Age of Free Speech For most of modern history, the easiest way to block the spread of an idea was to keep it from being mechanically disseminated. Shutter the newspaper, pressure… When will the world reach 'peak child'? - Our World in Data When will the world reach 'peak child'? February 08, 2018 by Max Roser Our World in Data presents the empirical evidence on global development in entries… The Ultimate Guide to Safe Withdrawal Rates – Part 23: Flexibility and its Limitations Talk to anyone in the FIRE community and ask how folks will deal with market volatility (especially downside volatility) during the withdrawal phase and… Why American Workers Aren't Getting A Raise: An Economic Detective Story | Jonathan Tepper Why American Workers Aren’t Getting A Raise: An Economic Detective Story By Jonathan Tepper For the past few months, I’ve been trying to solve an economic… The story of Elon Musk rocket launch Now Playing Up Next Media playback is unsupported on your device Falcon Heavy successfully launched from the Kennedy Space Center in Florida. The rocket's… My Little Trick for Coping with a Correction Good morning and welcome to the end of civilization as we knew it. Just kidding, but wow – what a stunning development in Europe. Even some of the people who… The Expectations Game Posted by In the latest episode of our podcast , Michael and I discussed the relationship between corporate earnings and stock market performance. I’ve done… The wealth of Sapiens It’s 2am, and I’m curled up in a ball on my bathroom floor crying. I’m trying to do this without waking up my sleeping wife and daughter in the next room. And… Mental Accounting Matters by Richard H Thaler Oh, The Places You’ll Go… Seaside, FL So far, I have been on the road a little over one week. In 9 days I’ve driven 2599 miles and spent $290.69 on 115.42 gallons of gas…it’s been worth… The Podcasting Boom Explained The impact of technology on how we consume information cannot be understated. The most seismic shift has been to the media landscape as platforms like Facebook… Smart homes and vegetable peelers A few weeks ago I spent several days marching around CES in Las Vegas (along with close to 200,000 other people), and as in previous years I saw 'smart'… Building A Dividend Snowball To Fund Your Early Retirement - Mr. Tako Escapes It’s times like these when investor’s thoughts begin to turn to dividend snowballs. No, not because it’s winter! Snowstorms and frigid temperatures do come to… Second Childhood - HumbleDollar Second Childhood Jonathan Clements | January 27, 2018 IN COLLEGE, I WAS THE KID who swore he would never get married and never have children. A year later, I… Unraveling Retirement Strategies: Floor-and-Upside (An Update) When a reader recently quoted me from a four-year-old post, I realized I needed to update a few of them. I've learned some things in the past few years and,… When Mental Models Fail Lynn Hill is a world-renowned rock climber. Widely regarded as one of the sport’s best climbers in the 80s and 90s, she won more than 30 international climbing… Poorly Forecasting Your Future Self I grew up with a friend who came from neither privilege or natural intellect, but was the hardest-working guy I knew. You can learn a lot from these people… Human Population Through Time It took 200,000 years for our human population to reach 1 billion—and only 200 years to reach 7 billion. But growth has begun slowing, as women have fewer… Types of investing risks Updated by on January 31, 2018 T here are innumerable investing risks, so here is a bluffer’s guide to the main ones. Next time you consider an investment, make… Some of my Thoughts on Bitcoin and Cryptocurrencies As a follow-up to yesterday’s guest post , here are a few of my own thoughts about the challenges and opportunities. For full disclosure, I don’t currently own… If I Received a $1 Million Dollar Windfall I would... - Financial Pilgrimage A $1 Million Dollar Windfall How many of us have thought to ourselves, “if I only had a $1 million dollar windfall all of my financial problems would go away”?… Who Wouldn't Want to Be a Millionaire: 6 Life-Winning-Lessons From a "Who Wants to Be A Millionaire" Contestant - Financial Imagineer What would you do if you received a $ 1 million jackpot? How does it actually feel to receive a windfall? What to do with it and how could it impact your life… Our Biggest Money Fight and 9 Lessons Learned - 99to1percent Our Biggest Money Fight and 9 Lessons Learned. Hello readers, today we are getting up close and personal as usual 😊. We are going to talk about our biggest… I Volunteered for the Hospital Board and was Sued for Millions. - Physician on FIRE The telephone rang. Why would he be calling? Must be a misdial, I figured. I hadn’t worked with him in several years, and we were never known to make social… The Government's Own Brexit Analysis Says The UK Will Be Worse Off In Every Scenario Outside The EU Shutterstock David Davis and Theresa May The government's new analysis of the impact of Brexit says the UK would be worse off outside the European Union under… How Much Investment Risk To Take In Retirement: Various Portfolio Compositions To Consider - Financial Samurai Congratulations for being retired or having enough money to never work again! Don’t listen to the naysayers who tell you retirement life is boring. Be assured… Lego: The invention of the legendary brick Media playback is unsupported on your device The Lego brick was invented in Billund, Denmark, in 1958 by Godtfred Kirk Christiansen. Lego were special as the… 12 Ways to Get Smarter in One Infographic View the high resolution version of today’s graphic by clicking here . The level of a person’s raw intelligence, as measured by aptitude tests such as IQ… The Best Financial Move I Ever Made Is Something Everyone Can Do After warning about financial destruction due to scams and get rich quick schemes , I’d like to balance things out with an uplifting financial story. As part of… Visualizing a Global Shift in Wealth Over 10 Years on January 26, 2018 at 11:07 am Share Share Reddit Email Shares 166 Visualizing a Global Shift in Wealth Over 10 years The Chart of the Week is a weekly Visual… Buffett’s bet: The finale When global stock markets closed at the end of 2017, Warren Buffett strode into the winner’s circle to claim more than $2 million for Girls Inc. of Omaha. In… The Thin Line Between Bold and Reckless Cornelius Vanderbilt had just finished a series of business deals to expand his railroad empire. One of his business advisors leaned in to tell Vanderbilt that… The Most Amazing Retirement Chart You'll Ever See There are few psychological forces more powerful than hedonic adaptation . As former Fool Morgan Housel once described this phenomenon: "What we always dreamed… Quantifying What Success Means, According to 2,000 Americans on January 22, 2018 at 11:59 am Share Share Reddit Email Shares 622 The pursuit of success is a part of our cultural DNA. Almost everyone wants to be successful… Investment Management vs. Financial Advice There’s never been a better time to be an investor. Expenses are coming down. It’s cheaper than ever to trade. Strategies that were once reserved for large… Lessons In Early Retirement - Financial 180 Time flies when you're having fun! This week marks the one year anniversary of Financial 180 – and what a year it's been! Since launching we've been featured on… Morgan Housel on What Other Industries Teach Us About Investing Morgan Housel gave an amazing presentation on What Other Industries Teach Us About Investing at our second annual MicroCap Leadership Summit (MLS). The MLS is… These 3D-Printed Plastic Objects Can Use WiFi Without Any Electronics Have you ever gone through the harrowing experience of going to grab some milk, wanting to know how much was left in the carton, but suddenly becoming unable to… Chart: What Assets Make Up Wealth? on January 19, 2018 at 1:19 pm Share Share Reddit Email Shares 4 A look at asset distributions, based on net worth tiers The Chart of the Week is a weekly… The Only 3 Reasons Anyone is Ever Broke (And How Not to Be) Honestly, I was broke for most of my 20s. In fact, for a time, I was spending way more than I was making, and I really dug myself deep into credit-card debt. It… Why You Should Be Working Less I still remember the exact moment I decided I would never work in the investment banking industry under any circumstances. It was my senior year of college and… How do you fire someone well? I don’t think a “best way” to fire someone exists — but here’s a stab at trying to do it with dignity, grace, and respect. I fired someone last year. Ugh. It… How hedging your shares against currency risk can boost returns I wrote in January 2017 about using currency-hedged ETFs to reduce currency risk in your portfolio. Back then the UK pound had fallen sharply against other… Twitter Nick Maggiulli @ dollarsanddata Jan 11 Replying to @dollarsanddata 2 However, this market behavior is characterized by quick drops and slow recoveries.… Twitter Nick Maggiulli @ dollarsanddata 6h Replying to @dollarsanddata 2 Luck matters so much that even the year you were born in will affect what returns you get.… Risky Business Most things are going well for most investors. So let’s talk about risk. People are masters at discounting risks that threaten the continuation of their past… Follow the Money Follow the Money How One Simple Rule Can Beat Buy and Hold Investing Photo: TaxRebate.org.uk The problem with being good at sports betting is that most… Future U.S. Equity Returns: A Best-Case Upper Limit The following chart shows the distribution of future return assumptions that state and local pension funds were using to value their liabilities as of February… Advice For Aspiring Writers I was self-conscious when I began writing five years ago. I thought, “just what the world needs, another blogger.” This same thought was front and center when… 7 Lessons Learned from Tracking My Net Worth for 14+ Years Share 1 Email Shares 1 I've been tracking our net worth like a weirdo since I started working in 2003. That's over 14 years of data. Sweet sweet data. That… https://www.msci.com/documents/10199/d56e739d-4455-4bc1-afdd-d738c2ce5a05 There’s a major market crash coming… Adopt the position… Investment wise, 2017 was as calm as a mill pond. The stock market did not crash. There was no zombie apocalypse to speak of and The World… Updating My Favorite Performance Chart For 2017 Each and every year since I started this website I’ve updated the following asset allocation quilt: For the second year in a row each asset class on this chart… Before you design a chart or infographic What's it for? A graph only exists to make a point. Its purpose is not to present all the information. Its purpose is not to be pretty. Most of all, its purpose… Watch as 1000 years of European borders change timelapse map 1000 yıllık Avrupa ve Türkiye sınırı seyret An International Portfolio from The Escape Artist The Escape Artist Regular readers know the story. This blog launched in 2011 at the suggestion of a business colleague of mine. I had shared with him letters… Alligators and Kittens I really like kittens. They are cute, cuddly, and in general good company. They are easy to take care of. Eventually they grow up into cats which are usually… 122 Year Dow Jones Histogram: Putting 2017 in Context 2017 was a pretty good year for the stock market. The 19th best since the Dow Jones Average was introduced in 1896. This decade hasn’t been bad either. We… The Ten Financial Commandments, Part Two Continuing on from last week’s post , I’m sharing the top financial commandments, as suggested by Maven Adviser Andy Hart . 6. The media do not have your future… How long $1 million will last in retirement Not every business will succeed, and a ROBS carries one particularly notable risk: You could jeopardize your retirement. (Photo: Getty Images/iStockphoto) For… Why Even Dual Income Couples Should Live On One Income Executive Summary As gender dynamics in the home and workforce have continued to change (e.g., girls now outperform boys at every level of school and… Too Many Americans Live in a Mental Fog When it comes to economics, we spend most of our time thinking about better ways to organize human activity. This is the main purpose of debates about minimum… How the U.S. Stock Market is Unique Home country bias is when investors have the tendency to invest mostly in their own domestic markets. A simple reason for this is familiarity (and in many… How to fix Facebook—before it fixes us Chris Matthews I n early 2006, I got a call from Chris Kelly, then the chief privacy officer at Facebook, asking if I would be willing to meet with his boss,… Next steps
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