Episode 479: The 60% Transition Solution, Financial Advisor Horror Stories, And Notes On Performance Data

In this episode we answer emails from Bee, Brian, and Derek. We discuss shifting from pure equities toward a Golden Ratio allocation at 60% of the way to financial independence, using 401(k) BrokerageLink to add small cap value, and replacing monthly performance screenshots with better backtesting tools. Along the way, we talk donor-advised funds, advisor incentives, and why most financial advisory practices run on fear because its the most profitable business model. Links: Portfolio ...