In this episode we address emails from Rory (x2), Frank, Andy and Mark.  We discuss UPRO issues, where to put gold, role models for retirement, Andy's experiments with UPAR and Mark's wonderful new tool and options strategies for reducing stock market risk.

Links:

Kitces Analysis of Morningstar Safe Withdrawal Rate Report:  Can Morningstar's Withdrawal Rate Report Refute The 4% Rule? (kitces.com)

Andy's UPAR Bogleheads Forum Link:  The Tobin Two-Fund Portfolio - Bogleheads.org

Mark's Most Excellent Portfolio Shortcutter Tool:  https://docs.google.com/spreadsheets/d/1lG18XrJA8-oODSNC0nV2T5nyVPAByU7p901oYn_ECDw/edit#gid=1553040997

A famous stand-up philosopher:  A Standup Philosopher - YouTube

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