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Don't Quit Your Day Job
General Finance
Investing, Real Estate
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California, United States
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DIK (Dual Income, Kids)
IT / Software
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Latest Blog Posts

One way to evaluate retirement savings is to look at a retirement savings to income multiple. Taking a household’s total retirement savings and dividing by typical household income is a simple measure of retirement readiness. The retirement savings to income multiple combined with age is, like BMI, a good summary statistic for looking at a […] The post Age and Retirement Savings to Income Multiple: What Should You Have Saved? appeared ...
Posted: May 22 2018 @ 12:24 PM
A risk premium is the excess return an investor captures or anticipates between a risky asset and a comparable safer asset. A risk premium can either be a forward estimate (ex ante – what we expect) or a calculated result (ex post – what we observed). In investing – and really, in participating in an […] The post Checking in on Risk Premiums: Mid-May 2018 appeared first on DQYDJ. From the Archives: The ...
Posted: May 19 2018 @ 5:10 PM
In our last post, we looked at extending our measure of the United States yield curve back in time. To recap, a yield curve inversion occurs when short-term debt yields higher than long-term debt. That is, the market judges the near-term riskier than long-term. Since the late 1960s, this phenomenon has been a reliable indicator […] The post Using Yield Curve Inversion as a Recession Indicator appeared first on DQYDJ. From the ...
Posted: May 09 2018 @ 1:56 PM
On this page we examine the history of the relationship between long term and short term government debt yields in the United States. We’re especially interested in when the yield curve inverts – or short term borrowing costs exceed longer term costs. In a recent inflation article, we examined the yield curve measured by the […] The post Long Run Yield Curve Inversions, Illustrated (1871-2018) appeared first on DQYDJ. From the Archives: Inflation ...
Posted: May 01 2018 @ 12:30 PM
Inflation expectations through Treasury breakevens – a concept we just visited – are a decent take on the market’s opinion on the ‘cost of holding money’. Mortgages are, of course, the standard means by which people acquire houses – usually borrowing money for 30 years to pay off the cost of a home (see some […] The post Mortgages vs. the Expected Inflation Rate, April ’18 appeared first on DQYDJ. From the ...
Posted: Apr 23 2018 @ 12:56 PM
For a time, we were closely watching inflation expectations – or a close approximation known as treasury breakevens, anyway. By subtracting the yield on inflation adjusted treasuries such as TIPS from the yield on treasuries you take the temperature on the market’s rough expectations of inflation (CPI). Although not the most ‘exact’ method, it’s an […] The post Inflation Expectations as of 4/12/2018 appeared first on DQYDJ. From the Archives: A Look at ...
Posted: Apr 13 2018 @ 2:58 AM
In 2016 in the United States, there were large differences in retirement savings by age. Taking strict retirement savings, households headed by 30-34 year olds averaged $24,254.48 in retirement savings with a median of $700. Households in the final retirement stretch headed by a 60-64 year old averaged $229,101.05 with a median of $16,000. With […] The post American Retirement Savings by Age: Averages, Medians and Percentiles appeared first on DQYDJ. From ...
Posted: Apr 02 2018 @ 12:26 PM
In 2016, American households headed by someone aged 32-61 averaged $120,809.40 in retirement savings, or $264,453.30 using an expansive calculation. Using the same calculations and definitions, American households have a median of $7,800 and $17,000 saved, respectively. American Retirement Savings in 2016 In 2016, the Economic Policy Institute released a study with an interesting dive […] The post Average American Retirement Savings, Medians and Percentiles appeared first on DQYDJ. From the Archives: Average ...
Posted: Mar 22 2018 @ 2:54 AM
We present here estimates for the number of accredited investors by age in the United States for full-year 2016. In our accredited investors in America post, we estimated around 9.86% of households qualify as accredited… and using ages here reveals a very interesting distribution. Our accredited investor estimates range from .52% for householders aged 25-29 […] The post How Many Accredited Investors Are There by Age' appeared first on DQYDJ. From the ...
Posted: Mar 14 2018 @ 3:08 AM
At DQYDJ, tax season has us recently rolling out our annual savings rate. The personal finance blogosphere constantly emphasizes its importance and demonstrates its impact on your ability to increase your net worth. It also helps show what you might reasonably expect to need to spend if you choose to retire. What’s My Savings Rate' […] The post My 2017 Savings Rate appeared first on DQYDJ. From the Archives: What Was Your Savings ...
Posted: Mar 07 2018 @ 8:00 AM


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"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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