Legal Mumbo Jumbo

I was once upon a time a licensed attorney. I’m inactive now. I’ve seen some things.  People sue other people all the time for dumb stuff. I’d like to avoid that if possible.

I pulled together a few policies to inform you, the reader, and protect me, the blogger. If you have any questions or concerns about any of this stuff, contact me!


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  1. Hi Justin,

    I’m a retiree in my 60’s and started reading your blog a few months ago. Although I haven’t read each and every page, I was looking for the investments you are invested in…not so much the dollar amount. Is this posted somewhere on your site?

    I’m looking for ideas in both taxable and nontaxable accounts.

    What a great trip you and your family experienced!


  2. Hi Justin,

    Could you share how you bill your clients, track your consulting time and expenses for your business for tax purposes? I am looking for affordable software or an app that can do this. Any reccomendations Will be greatly appreciated!

    1. I email a paypal link 🙂 Very simple but I’m not doing a high volume of clients either. As for tracking expenses and income, I have a spreadsheet in google sheets. Again, I’m doing very low volumes so manually keeping track of this stuff isn’t too bad.

  3. Hi Justin,

    First off, I wanted to say I’ve been following your journey for about three years now and I’m inspired by how you were able to retire early and stay retired.

    I had a question regarding your home mortgage status (if you do have one still). Do you still have a mortgage and if so, how are you tracking it on a monthly basis? Do you have a specific time line that you want to pay it off? If you do not have one, how fast/aggressive were you in paying the mortgage off? The main reason why I’m asking is because I don’t see it tracked in your monthly reports.

    Thank you

  4. Just a quick note to thank you for all of the information you have provided over the years which for me has been both financially helpful and a source of peace.

    It is funny because though in the latest pullback my portfolio was down 22% from the peak with an 80/20 allocation, a funny thing happened. I refinanced my mortgage which resulted in a $5k savings and with that savings, my portfolio income roughly equaled my spending. I had a conversation last night with my wife and let her know that despite our losses, I am excited to begin the personal capital journey. I have always been budget minded, and PC will make it easier and also provide absolute oversight if we decide to ER- I am 48 she’s 38. We made a dumb move a long time ago buying a large house that we can’t sell that has dropped $500k in value, but the RE taxes have also dropped and it is our home and we love living here. So I am taking a fresh look at things. We are also keeping our country club membership for the time being, but we have an option for a much less expensive club without golf we might take.

    I want to say that your lifestyle definitely proves that being balanced and harmonious provides a peace that cannot be achieved with more money. I am trying to embrace these principles in a lifestyle I have sort have been locked into foolishly 10 years ago, but I think I can still achieve it on some levels and the learning experience has made me a better person.

    We also agreed that if what we find in tracking spending versus pure income makes us uncomfortable, we can rip the band aide off and take a financial hit to get us in balance. I am hopeful that with we can get to the crossover point without uprooting our family. Either way we will be more than fine.

    I also wanted to ask if you if your asset allocation is still the same as it was when you posted it in 2013 and I think 2015? I know you have added 10% bonds. I am 16% large value, 15% large core, 10% large growth, 6% mid cap, 5% small cap, 10% developed international, 5% EM, 6% real estate, 1% other, 16% U.S. bonds, 4% international bonds and 6% cash. I am going to invest about half that cash here, but I was wondering how your feel about international, EM and small cap which have all under-performed U.S. markets? Thanks again for all you do and hoping to learn something for the greater good!

    1. To answer your question, asset allocation is still about the same as it was back when I wrote those old posts. Plus about 11% bonds last I checked. I still have half the equities in international investments. Yes, they have underperformed for a decade but past results is not an indicator of future results. In fact the international stocks weren’t as heavily overvalued (as measured by traditional metrics like PE ratio), so in theory they won’t drop as much (but lets see what a mass pandemic that’s hitting Europe really hard at the moment actually does!).

  5. Excellent point on past versus future performance. I have read from various sources that EM has a higher return expectation going forward, and interesting point on lower valuations and volatility. I know I sound like a walking contradiction with country club etc., but thought you would like to know how some of us are employing these tools and principles. This too shall pass, and dividends have been historically stable so hopefully we get through before too long!

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