Economists versus(?) financial planners, part 2: debt snowballs, mental accounting, and investing
In which we continue to discuss what some economists -- and in particular, Yale professor James Choi -- have to say about financial...
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Economists versus(?) financial planners, part 1: saving, spending, and mortgages
Back in October (of 2022, if you're reading this From The Future), the Freakonomics podcast released an episode on financial planning --...
Flexibility funds: beyond emergency savings
You've got your emergency savings built up. Your short-term goals are on track to be fully funded. Your cash flow easily fits into the...
Planning for "DIY" work sabbaticals (and convincing yourself to take one)
Anyone here remember the halcyon days of tech, when AMD offered an 8-week sabbatical after seven years of service? I do! This was back...
If a recession might be coming, is now a good time to invest?
I know the title sounds a bit clickbaity, but it's a question that clients have been asking, so I figure it's worth answering! Having...
On alternatives
"Alternatives" has been one of the buzzwords floating around my circles as of late. I'm always suspicious when some new fad pops up, but...
Counterintuitive lessons from a downturn
In its relatively short life, Seaborn has seen two major market downturns, and beyond that I personally have witnessed two recessions...
Why bonds?
I've been getting this question a lot lately: "why should I hold bonds in my portfolio?" And as is the case with any question that (a) is...
Dimensional is offering ETF's!
At Seaborn, I'm dancing a little jig; I've been hoping this day would come for a while, but wasn't sure how it would happen. And now it's...
Build unstoppable momentum with a "life rhythm"
New Year's has come, and New Year's has gone; how are your resolutions coming along? Confession: I am not, in fact, blessed with a long...
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