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Humble Dollar

The Humble Dollar column covers personal finance, long-term investing, retirement planning, and wealth management, offering users practical perspectives on financial decision-making.

Humble Dollar's Articles

The Solitaire Solution

Here's something that will either comfort or disturb you: the mathematical technique underpinning your retirement strategy was invented by an unwell mathematician

2026/06/23

Still Teaching

Trusts are said to be a tool for its grantor to control from the grave. The first things I look at every morning when I open HD are Jonathan’s quips above the “

2026/06/22

Thinking about downsizing? Think seriously

I just read an article that questioned the value of retirees downsizing, perhaps in the process relocating even to a new neighborhood. It got me thinking about

2026/06/22

TSP G Fund as the only Fixed Income Investment

Here's something I'm debating and hoping the collective brain trust of the HD community can push me in the right direction. As a retired Fed, I have access to the

2026/06/21

How do you prepare for the long term care cost as retiree?

I watched a YouTube that said there are 3 ways to tackle the LTC problem. 1. Long term care insurance, (which is more costly as we aged), 2. Whole life w a LTC

2026/06/21

Pricing the Future

THE WAY INVESTORS think about the stock market may be entirely wrong. Intuition tells us, and academic research confirms, that a company’s stock price should respond

2026/06/20

How financially illiterate are Americans?

A article in the NYTs says “Many people are not aware IRAs exist.” Can that be true? I bet it is. One survey reports the median worker has only $955 saved for

2026/06/19

Leverage

Possibly a misuse of the term, in its strict financial sense. Anyhow... For decades I've heard about the value or use of leverage. It's most easily recognized in

2026/06/19

He Said I Wasn’t Very Nice

The door bell rang unexpectedly three times in three days. The first on Wednesday, was a couple high school kids trying to drum up some window washing jobs. They

2026/06/19

Risk Adjusted: The Family Ledger

Most investors understand risk-adjusted return. I'm guessing few apply it to the way they earn the money in the first place. That gap, between what you made and

2026/06/18