Episode 508: Allocations To Help You Sleep Better At Night, The Three H's Of Retirement Spending, Bond Ladder Follies, And Portfolio Reviews As Of May 8, 2026

In this episode we answer emails from Michael, Jim, and Optimus Bill. We start with a 67-year-old investor who is all-in on equities and cannot sleep, and how changing portfolio allocations can lead to better rest. We share a framework of "the three H's" for determining whether you are Hustling, Hoarding, or Harvesting your way through retirement, and how that may impact your well-being over time. We also dig into why people chase bond ladders and bucketeering. And THEN we our go throu...