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Grumpus Maximus

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Grumpus Maximus
Early Retirement
FI, Pensions, Financial Planning, Financial Resources, Life and Money, Golden Albatross, Golden Handcuffs
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Blogger Bio

Hawaii, United States
Life stage:
SIK (Single Income, Kids)

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Latest Blog Posts

The Request A few months ago a military member from a mid-career service school approached me through my blog with a request. He’s an instructor, so let’s call him Professor X. One of Professor X’s topics is personal finance as it relates to effective management of one’s career. He’d read my blog and believed several … Continue reading The Golden Albatross Financial Philosophy The post The Golden Albatross Financial Philosophy appeared ...
Posted: Mar 15 2018 @ 8:11 PM
Procrastination Pays Off I’ve had a draft version of this article sitting in my inbox for some time. It never gelled, so I left it alone. However, a blogging friend and mentor of mine, Doug Nordman, recently published an excellent article at his blog The Military Guide entitled “Don’t Buy A Home When You Leave … Continue reading Why I Trust My Plan … For Now The post Why I Trust ...
Posted: Mar 05 2018 @ 11:25 PM
Insurance Annuity Valuation Question A reader, whom I’ll call Lady J, recently asked me if I could value her future insurance annuity scenarios vs. her current cash-out value. She wanted an annuity valuation done in the same manner as the Pension Lump Sum Case Study I wrote for the Pension Series. The question intrigued me. … Continue reading The Golden Albatross vs. The Insurance Industry (Part 2): Annuity Valuation Case ...
Posted: Feb 20 2018 @ 4:30 AM
What’s Your Opinion on Insurance Products' Let me level with you up front: I don’t have a lot of experience with insurance products — especially the type that mirror investments. Prior to my experience related in the below story; the only other time I dealt with insurance investments was successfully extracting Mrs. Grumpus from one of … Continue reading The Golden Albatross vs. The Insurance Industry (Part 1): Fees The post The ...
Posted: Feb 13 2018 @ 11:27 PM
“Do You Expect Me to Talk'” This post is something of a mash-up. Everyone loves a good mash-up, or at least that’s what Mrs. Grumpus tells me before she tragically dances and sings around the kitchen. She’s a great singer, but an awful dancer. As a result, her mash-ups are unique. Personally, I hear the … Continue reading The Pension Series (Part 13): The Master Pension Value Calculator The post The ...
Posted: Feb 05 2018 @ 1:42 AM
Nerd Alert! This article is a follow-up on the lump sum case study I conducted for the ChooseFi listener, Tess, in Part 11 of the Pension Series. If you missed it, that case study also aired as Episode 58R on the ChooseFI Podcast. I mentally debated if I should make this Part 11a considering the … Continue reading The Pension Series (Part 12): More Pension Lump Sum Analysis The post The ...
Posted: Jan 29 2018 @ 9:40 AM
I Am Grumpus Max-bob-bomb … …and I am here to make you think about work and get sad and stuff. Part of the side effects from my PTS means the wrong damn song, movie, book, or thought can be problematic from time to time. This happened recently. While I was typing an article about pensions … Continue reading Mental Health: Sad Work And Stuff The post Mental Health: Sad Work And ...
Posted: Jan 22 2018 @ 9:52 AM
Pension Lump Sum Case Study Hello! If you are a ChooseFI listener who made their way here to read my response to a ChooseFI listener’s pension question in Episode 58R, you’re in the right place! You can probably skip the Context section and go straight to the case study if you want. Also, if you’re … Continue reading The Pension Series (Part 11) : Pension Lump Sum Case Study The post ...
Posted: Jan 19 2018 @ 7:00 AM
Substantive Correction This is an updated version to my article originally posted 04 October 2017. This version includes a substantive correction. The previous version of the article failed to accurately describe all the calculations required when comparing a pension with an inflation-linked Cost of Living Adjustment (COLA) to life insurance. I noticed my omission today … Continue reading The Pension Series (Part 5): Survivorship (Updated) The post The Pension Series (Part ...
Posted: Jan 17 2018 @ 9:25 AM
Click Bait Like what I did there with the title' I created what’s called click bait. Most of the time my titles are boring, other times they are obscure. This time though I created an “action” title to capture readers’ interest in the Gap Number Method, because it gained some recent publicity. That’s about as … Continue reading The Gap Number Method in … ACTION! (Part 1) The post The Gap ...
Posted: Jan 15 2018 @ 3:00 AM


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