Brent Esplin

Debt Elimination or Retirement Savings?: Gazelle Intensity vs. Humble Arithmetic

Gazelle Intensity Popular debt elimination evangelist Dave Ramsey teaches that, after setting aside $1,000 for emergencies, your only financial priority should be paying off all debt except your home mortgage.  Everything else, including saving for retirement, should be put on hold until your debts are paid.  Ramsey uses the term “gazelle intensity” to describe the…

Asset Allocation: Putting It All Together (Bill O’Reilly Case Studies)

We have been discussing the asset allocation decision, which in its simplest form consists of how much of your investments you should expose to the higher risks and potentially higher rewards of the stock market, and how much you should keep in safer investment such as bonds and cash.  First, we established that this decision…