Archive
Tag: retirement planning
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Why Your 75-Year-Old Self Is a Stranger You’re Paying For
Derek Parfit’s 1984 argument about personal identity over time has a brutal implication for retirement planning: the person you are saving for is mostly a stranger. Here is what that means for the math.
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Five Retirement Calculators (And Why They Lie to You)
Every retirement calculator answers a question. Often it’s not the question you asked. A review of five popular tools and what each one is actually solving for.
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The Real FIRE Number: How Much You Actually Need to Retire Early
The familiar “annual spending × 25” formula was designed for a 65-year-old in 1994 — not for you. Here is how to calculate the FIRE number that is actually yours.