Ramesh Naidu > Recent Status Updates

Very detailed analysis of what one needs after retirement or if planning for retirement. Great compound interest tables . Also some magical number of 230 * ( amount you need in a year ) = what you need for retirement

Having debt makes money your master and
Put you on the wrong side of compound interest
Too many people spend money they have not earned to buy things they don’t want to impress people they don’t like

For the first 10 years out of college, do not upgrade your lifestyle , continue living like broke college students and invest instead
Lifestyle inflation is an insidious foe ( of your wallet and peace of mind) you are best served never letting it take hold
If your spending expands to meet or even worse, exceed your income, you’ll never be free

Achieving FI is all about options , RE is only one of them
F-you money is surprisingly little , powerful and gives you much needed independence and strength
Index fund investing is cheaper easier and formal powerful
No one can have the market
The less you tinker with your investments, the better your results

Persistence is essential.
Go with index fronts.
Money is the single most powerful tool we have for dealing with this complex world that we have created
Tinkering with investment strategies rarely yield better returns.
Money is the apogee of human tolerance
Adding complexity for theoretical better results is unlikely to work overtime in the real world

Pay yourself first
Work at least an hour for yourself every week
Latte factor
401k/403b
Invest less than 25% in your employer

An excellent read !! The author incessantly reminds us that the strategies for well defined problems are vastly different from wild problems which cannot be solved until one sets forth on the journey . Lot of good advice but mostly vague , cant blame the author given the nature of the subject .