Hi Jeremy , I traded in my PPE and tools and now I'm new to Substack. I write about markets, risk, and the stories we tell ourselves to stay comfortable. After the Close focuses on process over prediction, discipline over drama, and thinking clearly when the screens go dark. Appreciate a review of my process. Good or bad I can handle it. - Andrew
Brilliant breakdown of Collins' framework! The tension you highlighted between the 4% withdrawal rule and dividend-focused cashflow is something I've wresteled with myself. That quote about living off 1.25% VTI dividends for "absolute security" is easy to miss but it's basically Collins nodding to the power of never touching principal. Swapping VTI for SCHD might mean lower total return but that 3x income stream changes the whole psychological game when markets dip.
I just added this book to my library holds/ request list. I hadn't read it yet. Looking forward to checking it out.
Hi Jeremy , I traded in my PPE and tools and now I'm new to Substack. I write about markets, risk, and the stories we tell ourselves to stay comfortable. After the Close focuses on process over prediction, discipline over drama, and thinking clearly when the screens go dark. Appreciate a review of my process. Good or bad I can handle it. - Andrew
Brilliant breakdown of Collins' framework! The tension you highlighted between the 4% withdrawal rule and dividend-focused cashflow is something I've wresteled with myself. That quote about living off 1.25% VTI dividends for "absolute security" is easy to miss but it's basically Collins nodding to the power of never touching principal. Swapping VTI for SCHD might mean lower total return but that 3x income stream changes the whole psychological game when markets dip.
Great point about the psychological piece. That’s often the hardest part. Thanks for stopping by!