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3177: Mortgages, Home Equity, and Retirement Spending by Jeremy Jacobson on Financial Independence

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Manage episode 488670290 series 2359086
Content provided by Optimal Living Daily LLC and Optimal Living Daily | Diania Merriam. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Optimal Living Daily LLC and Optimal Living Daily | Diania Merriam or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.

Episode 3177:

Jeremy Jacobson challenges the conventional wisdom of including home equity in retirement budgeting, emphasizing that doing so can create dangerous blind spots, especially during market downturns. By treating home equity separately and recognizing the benefits of imputed rent, retirees can protect their portfolios and maintain spending power without being forced into selling their homes or taking on unnecessary debt.

Read along with the original article(s) here: https://www.gocurrycracker.com/mortgages-home-equity-and-retirement-spending/

Quotes to ponder:

"Home equity is not included in our net worth for budgeting purposes. I plan to spend less than 4% of the remainder."

"Exclude home equity from the portfolio."

"Debt is leverage, which multiplies returns and losses."

Episode references:

Cfiresim: https://www.cfiresim.com/

Risk Parity Radio: https://www.riskparityradio.com/

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

3187 episodes

Artwork
iconShare
 
Manage episode 488670290 series 2359086
Content provided by Optimal Living Daily LLC and Optimal Living Daily | Diania Merriam. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Optimal Living Daily LLC and Optimal Living Daily | Diania Merriam or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.

Episode 3177:

Jeremy Jacobson challenges the conventional wisdom of including home equity in retirement budgeting, emphasizing that doing so can create dangerous blind spots, especially during market downturns. By treating home equity separately and recognizing the benefits of imputed rent, retirees can protect their portfolios and maintain spending power without being forced into selling their homes or taking on unnecessary debt.

Read along with the original article(s) here: https://www.gocurrycracker.com/mortgages-home-equity-and-retirement-spending/

Quotes to ponder:

"Home equity is not included in our net worth for budgeting purposes. I plan to spend less than 4% of the remainder."

"Exclude home equity from the portfolio."

"Debt is leverage, which multiplies returns and losses."

Episode references:

Cfiresim: https://www.cfiresim.com/

Risk Parity Radio: https://www.riskparityradio.com/

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

3187 episodes

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