November 2023
- Nov 12, 2023ConceptsThe Truth About Passive Income: Myths and RealitiesThe word describes the end state, not the path, since every stream sits downstream of capital accumulated or an asset created. The page is specific about the work involved, with a quality online course taking 100 to 300 hours to build and most new affiliate sites needing 12 to 36 months of content before traffic is meaningful. Under IRS rules, actively managing your own rentals is not passive at all.
- Nov 11, 2023ConceptsExploring Financial Independence: Principles and StrategiesBengen's 1994 research established 4 percent as the safe withdrawal rate for a 30-year retirement, which is where the 25x multiplier comes from. Later work on longer horizons suggests 3.5 to 3.75 percent instead, raising the target. Covers sequence of returns risk, why early bad years hurt most, and the Lean, Fat, Barista and Coast variants of FIRE.
March 2023
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