Well.  This blog post is slightly tinged with sadness for me as it will be my last one. My job for the last 30-odd years has been helping people to achieve their financial goals and reach financial independence – the point where paid work becomes optional. I...

‘Risk, then, comes in two flavors: “shallow risk”, a loss of real capital that recovers relatively quickly, say within several years; and “deep risk”, a permanent loss of real capital.’ ...