Sometimes people ask what I've been thinking about. Maybe people just spend more time thinking about pet peeves or things that annoy them, but here is what I'm seeing out there, worrying about, and arguing about lately (at least when I wrote this 13 months before it actually published today). In my opinion, the following are all mistakes, but if you can't find something in this post to argue with me about, you might not be paying attention. Each of these items is at least a little controversial, and reasonable people can disagree about them to a certain extent.

#1 Hyperconservative Withdrawal Rates

Among financial hobbyists, one of their biggest fights is about what the “safe” withdrawal rate is. The main issue is that people disagree on the definition of safe.…