<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Seaborn Financial, LLC]]></title><description><![CDATA[seaborn]]></description><link>https://www.seabornfinancial.co/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 15 May 2026 08:12:34 GMT</lastBuildDate><atom:link href="https://www.seabornfinancial.co/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Why sell my stock? It just keeps going up!]]></title><description><![CDATA[At Seaborn, we see a lot of folks come in with high concentrations of a single stock, generally from ESPP's , RSU's , ISO's, or other...]]></description><link>https://www.seabornfinancial.co/single-post/why-sell-my-stock-it-just-keeps-going-up</link><guid isPermaLink="false">689b4b251b954e09d4d84c5c</guid><pubDate>Tue, 19 Aug 2025 12:00:27 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Should I sell or should I rent (out)?]]></title><description><![CDATA[(To those of you who now have the song  stuck in your head -- you're welcome!) Alright -- you've decided to upgrade/downgrade/relocate to...]]></description><link>https://www.seabornfinancial.co/single-post/should-i-sell-or-should-i-rent-out</link><guid isPermaLink="false">688a2f89cc20c7e24463c34c</guid><pubDate>Tue, 05 Aug 2025 12:00:13 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA["Save what you don't spend" and consumption smoothing]]></title><description><![CDATA[Last time I wrote, I talked about when month-to-month cash flow doesn't matter  -- which may sound like dangerous personal finance heresy...]]></description><link>https://www.seabornfinancial.co/single-post/spend-what-you-don-t-save-and-consumption-smoothing</link><guid isPermaLink="false">6580615bb2a80506882dfa68</guid><pubDate>Tue, 26 Dec 2023 13:00:09 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[When month-to-month cash flow doesn't (really) matter]]></title><description><![CDATA[If someone handed you a lightsaber, what would be your first thought? (Probably something along the lines of "This is SO @#!$%^*&#38; COOL!")...]]></description><link>https://www.seabornfinancial.co/single-post/when-month-to-month-cash-flow-doesn-t-really-matter</link><guid isPermaLink="false">6511f8a3bb0b2ad6131c1f2f</guid><pubDate>Tue, 03 Oct 2023 12:00:33 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Why bonds in an inverted yield environment?]]></title><description><![CDATA[While the interest rate hike has been a bummer for the stock market, bond prices, and home buyers, it's been pretty awesome for savers....]]></description><link>https://www.seabornfinancial.co/single-post/why-bonds-in-an-inverted-yield-environment</link><guid isPermaLink="false">64ff22ad2f1d33271e701390</guid><pubDate>Wed, 13 Sep 2023 12:00:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/675195_b4a73d69dcb649b692423682e0fc624f~mv2.jpg/v1/fit/w_392,h_382,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[How to take advantage of the randomness of portfolio returns]]></title><description><![CDATA[Yes, you heard right -- assuming that you have a diversified portfolio that matches your risk tolerance and risk capacity, your portfolio...]]></description><link>https://www.seabornfinancial.co/single-post/how-to-take-advantage-of-the-randomness-of-portfolio-returns</link><guid isPermaLink="false">64a2d68fc6d8c028e2f7f5e3</guid><pubDate>Wed, 09 Aug 2023 16:02:16 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[The last conversation you'll ever need to have about: what to do with RSU's]]></title><description><![CDATA[So I'm a bit of a fan of "last conversation"-style articles -- I was inspired by the one on "eating right"  to write my own on retirement...]]></description><link>https://www.seabornfinancial.co/single-post/the-last-conversation-you-ll-ever-need-to-have-about-what-to-do-with-rsu-s</link><guid isPermaLink="false">6421a03753e15432d55b5c57</guid><pubDate>Tue, 04 Apr 2023 12:00:29 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[SVB, Silvergate, Signature, and you]]></title><description><![CDATA[This post is a modified version of an email that we sent to Seaborn clients earlier this week. I swear – I leave for a convention for one...]]></description><link>https://www.seabornfinancial.co/single-post/svb-silvergate-signature-and-you</link><guid isPermaLink="false">641325656a8ce4151501c24a</guid><pubDate>Thu, 16 Mar 2023 14:42:58 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Save, Invest, Pay Down Debt, or Spend?]]></title><description><![CDATA[There's a lot that goes into financial planning: cash flow projections, Monte Carlo simulations, portfolio design, cash flow management...]]></description><link>https://www.seabornfinancial.co/single-post/save-invest-pay-down-debt-or-spend</link><guid isPermaLink="false">63fcca69541fe1f9b6e322d4</guid><pubDate>Tue, 14 Mar 2023 12:00:17 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Sustainable, optimized portfolio income and Monte Carlo]]></title><description><![CDATA[OK, full disclosure: I'm a little twitchy around the phrase "passive income". It's like a slightly more socially acceptable form of "get...]]></description><link>https://www.seabornfinancial.co/single-post/sustainable-optimized-portfolio-income-and-monte-carlo</link><guid isPermaLink="false">63f3a1dbcd8f7a555391a1fc</guid><pubDate>Tue, 28 Feb 2023 13:01:29 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Economists versus(?) financial planners, part 3: housing, and weirdos]]></title><description><![CDATA[Let's finish up our discussion on the Freakonomics podcast episode on economists and personal finance, shall we? In part 1 and part 2 ,...]]></description><link>https://www.seabornfinancial.co/single-post/economists-versus-financial-planners-part-3-housing-and-weirdos</link><guid isPermaLink="false">63d7de0e433dcc8aed1976a2</guid><pubDate>Tue, 07 Feb 2023 13:02:00 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Economists versus(?) financial planners, part 2: debt snowballs, mental accounting, and investing]]></title><description><![CDATA[In which we continue to discuss what some economists -- and in particular, Yale professor James Choi -- have to say about financial...]]></description><link>https://www.seabornfinancial.co/single-post/economists-versus-financial-planners-part-2-debt-snowballs-mental-accounting-and-investing</link><guid isPermaLink="false">63b59427009e93be1f0a8872</guid><pubDate>Tue, 10 Jan 2023 13:00:21 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Economists versus(?) financial planners, part 1: saving, spending, and mortgages]]></title><description><![CDATA[Back in October (of 2022, if you're reading this From The Future), the Freakonomics podcast released an episode on financial planning --...]]></description><link>https://www.seabornfinancial.co/single-post/economists-versus-financial-planners-part-1</link><guid isPermaLink="false">63a079bcc21446e4d806a254</guid><pubDate>Tue, 27 Dec 2022 13:00:58 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Flexibility funds: beyond emergency savings]]></title><description><![CDATA[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...]]></description><link>https://www.seabornfinancial.co/single-post/flexibility-funds-beyond-emergency-savings</link><guid isPermaLink="false">631f4105265aa1e5ed64bb66</guid><pubDate>Wed, 28 Sep 2022 13:00:36 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Planning for "DIY" work sabbaticals (and convincing yourself to take one)]]></title><description><![CDATA[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...]]></description><link>https://www.seabornfinancial.co/single-post/planning-for-diy-work-sabbaticals-and-convincing-yourself-to-take-one</link><guid isPermaLink="false">62fa56bbab7b3f5a2ae614b3</guid><pubDate>Tue, 23 Aug 2022 12:01:49 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[If a recession might be coming, is now a good time to invest?]]></title><description><![CDATA[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...]]></description><link>https://www.seabornfinancial.co/single-post/if-a-recession-might-be-coming-is-now-a-good-time-to-invest</link><guid isPermaLink="false">62e7de9b5ba2a0b4a1620992</guid><pubDate>Tue, 09 Aug 2022 12:01:23 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[On alternatives]]></title><description><![CDATA["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...]]></description><link>https://www.seabornfinancial.co/single-post/on-alternatives</link><guid isPermaLink="false">62dc750fc51bea262ef6f5f0</guid><pubDate>Wed, 27 Jul 2022 12:00:32 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Counterintuitive lessons from a downturn]]></title><description><![CDATA[In its relatively short life, Seaborn has seen two major market downturns, and beyond that I personally have witnessed two recessions...]]></description><link>https://www.seabornfinancial.co/single-post/counterintuitive-lessons-from-a-downturn</link><guid isPermaLink="false">62c2f9631ccd85871ee2481b</guid><pubDate>Tue, 12 Jul 2022 12:00:27 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Why bonds?]]></title><description><![CDATA[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...]]></description><link>https://www.seabornfinancial.co/single-post/why-bonds</link><guid isPermaLink="false">607df7a5a58f740015880fd9</guid><pubDate>Sat, 24 Apr 2021 01:13:09 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item><item><title><![CDATA[Dimensional is offering ETF's!]]></title><description><![CDATA[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...]]></description><link>https://www.seabornfinancial.co/single-post/dimensional-is-offering-etf-s</link><guid isPermaLink="false">60463064747363002b0ac017</guid><pubDate>Tue, 09 Mar 2021 12:30:10 GMT</pubDate><dc:creator>Britton Gregory</dc:creator></item></channel></rss>