Good morning! Today's email includes...

The latest "Ask Me Anything" episode - featuring opportunity costs, TIPS, and asset location.

Why a small 10% difference can lead to infinite differences - in both health and wealth.

Stop Eating!! It's Costing You BILLIONS!

Well...that headline isn't quite true. Though some people like to frame "opportunity cost" as the monster sapping your very life-force.

In this "Ask Me Anything" episode, I tackle (3) great retirement finance questions...

First - opportunity cost is 100% valid, but can become misleading and counterproductive when used poorly (and it's used poorly a lot).

Second - TIPS (or inflation-protected bonds) are an interesting tool. But are they right for a retirement portfolio?

Third - a question about turning a bunch of "random" accounts, stocks, bonds, etc, and creating one cohesive portfolio from them.

PS - more than 20,000 of you listened to the podcast in May - an all-time high.

Thank you for listening and sharing my work with others!!!

A Small Swing Makes an Infinite Difference

A tidy bit of math popped into my head this weekend.

Depending on many factors, adults require between 2,000 and 3,000 calories per day. Let’s use a round number: 2,500 calories. We’ll say that 2,500 calories per day allows us to maintain a stable weight.

We also know that a pound of body fat is estimated to contain 3,500 calories.

Hypothetically (…or, based on experience...), if I ate 5% too many calories for a full month, that would equal an extra 3,750 calories (5% = 125 extra calories per day…multiplied by 30 days). That’s almost exactly one pound of body fat.

And if I ate 5% too few calories for a full month, I would lose almost exactly one pound of body fat.

Let’s magnify that small 10% swing – from 5% too much to 5% too little – over months and years. It compounds massively. Just one little pound per month…but for years and years! It creates an infinite difference in health outcomes – from morbidly obese to lean and healthy. Just a small 10% swing.

The same logic applies to your money.

What Are *Your* Questions?

My most popular episodes are the "ask me anything" episodes. Check them out here:

I'm collecting questions for AMAs 19 and 20.
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Reply to this email or send questions to jesse@bestinterest.blog​

Retirement Planning Can Be Complex...

Retirement is a puzzle, and most people are missing a few pieces.

But I help fix that.

I'm a Partner at a fee-only fiduciary retirement planning firm. We work with clients all over the USA.

We help you answer those tough retirement questions:

• Have we saved enough to retire?
• Is my portfolio invested the right way?
• What about tax planning, healthcare, Social Security...the list goes on.

If you're planning for retirement, visit PlanWithJesse.com and let's start a conversation.

Until Next Week

Thank you for reading, listening, and writing back.

People like you send me questions every day.

Go ahead! I'd love to hear from you. ​​

Until next week,

Jesse