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The Tamias Blog

Posts tagged Spending

Reinvest or Spend: The Question That Decides Between Coupon and Zero-Coupon

Reinvest or Spend: The Question That Decides Between Coupon and Zero-Coupon

July 17, 2026 · 10 min read

The fight between a coupon bond and a zero-coupon one isn't settled by watching interest rates. It's settled by a question about you: will the money this bond produces go back to earning, or become an expense? The answer inverts everything.
The Agricultural Trap: Why Your Career Might Be History's Biggest Fraud

The Agricultural Trap: Why Your Career Might Be History's Biggest Fraud

May 20, 2026 · 9 min read

Harari argued that wheat domesticated humans, not the other way around. The same logic applies to your salary. The more you earn, the more the system captures you — unless you plan the escape.
Know Your Withdrawal Floor

Know Your Withdrawal Floor

May 17, 2026 · 9 min read

Dynamic withdrawal strategies promise flexibility — but only deliver it if your floor is far enough below your target. Most retirees have never stress-tested the gap.