HumbleDollar

HumbleDollar is dedicated to assisting readers in making informed financial choices, particularly regarding their retirement plans.

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Quinn Explores the Question: Are Doctors Overpaid?

2 days ago | humbledollar.com | Jonathan Clements

Are doctors overpaid? That’s a tricky question for several reasons. Getting good data is hard and mostly based on surveys, there are variations across the country and among specialists plus few doctors work a 40 hour week. If you are a patient and your doctor provides life saving care, I suspect what they earn doesn’t matter, it wouldn’t to me. In any case, chances are you aren’t paying the bill yourself.
Gimme a Reason - HumbleDollar

3 days ago | humbledollar.com | Jonathan Clements

Go to main Forum page »When we deploy our hard-earned dollars, we all have our financial reasons. But are we focusing on the right thing? Consider four examples:Homes. When folks buy a home, they’ll often dwell on the potential price appreciation, the tax benefits and the advantages over renting. But I’d contend there are two reasons that are even more compelling: Buying a home locks in our housing costs and, with every monthly mortgage payment, forces us to save. Health insurance.
When the Spreadsheet Gets Real

3 days ago | humbledollar.com | Jonathan Clements

Go to main Forum page »I’m 58 and my wife is 56. We’ve been planning our retirement with care and intention for years—no debt, solid retirement savings, a well-diversified portfolio, and a liability-matching plan (LMP) that covers us until Medicare kicks in. We’ve talked through our priorities, run the numbers, and built our plan together. The core approach to our plan was heavily influenced by Bill Bernstein and Wade Pfau’s writing and we are content with a good funded ratio.
Jonathan is Everywhere on the Internet

3 days ago | humbledollar.com | Jonathan Clements

Jonathan is Everywhere on the InternetAnother great link from Mike Piper’s Oblivious Investor newsletter is this interview on the Bogleheads Podcast:Did you just log in? If you don't see the commenting form, please refresh the page.
“The Most Revealing Question in Personal Finance Question”

3 days ago | humbledollar.com | Jonathan Clements

Go to main Forum page »I receive Mike Piper’s Oblivious Investor newsletter.
Who Will Care for Us? by Dennis Friedman

4 days ago | humbledollar.com | Jonathan Clements

Go to main Forum page »At age 74, I like to think our retirement is pretty much set in stone. Most of the big health and financial decisions—Medicare, Social Security, Roth conversions—have already been made. But there’s one concern I’ve been thinking about a lot lately: how will Rachel and I get the help we need if we can no longer take care of ourselves? Our family is spread out across the country, and we have no plans to move closer to them.
What about gold?

4 days ago | humbledollar.com | Jonathan Clements

I know nothing about buying gold or in any way holding it in a portfolio. TV is full of ads to buy gold coins. If you buy them how do you sell them and to who? Anyone have any words of wisdom about buying gold in any form? Is gold a viable investment for most people.
What's the Best Way to Measure Investment Performance?

4 days ago | humbledollar.com | Jonathan Clements

Go to main Forum page »In tracking how your investments are doing, there are several ways to measure performance, but they don’t all tell the same story:Simple Average ReturnCAGR (Compound Annual Growth Rate)TWR (Time-Weighted Return)IRR (Internal Rate of Return / Dollar-Weighted Return)Each method offers something different depending on the context, lump sum vs. ongoing contributions, investor vs. fund manager perspective, etc. 1.
May 2025 Moving Averages

4 days ago | humbledollar.com | Jonathan Clements

As a calming influence, here’s the latest about moving averages. The S&P 500 closed May with a monthly gain of 6.2%, the largest since November 2023. However, Morningstar published an article today “Has the Stock Market Reached Peak Optimism on Tariffs? – Strategists say equities have already priced in the good news on tariffs as the trade war grinds on.” I’ll periodically post if I become aware of changes of merit.
Full Circle With Jonathan Clements

5 days ago | humbledollar.com | Jonathan Clements

My first encounter with Jonathan was at an annual client appreciation event in Hershey, PA hosted by my in-laws’ financial advisor, Tim Decker. My wife Lisa and I attended as guests of her parents. The snacks served were nothing special, but the evening was still very worthwhile. Tim gave an “state of the union” update for his many clients in attendance and then turned the microphone over to Jonathan for the keynote presentation.