![Weekend reading retirement death spiral](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-retirement-death-spiral.jpg)
How to Avoid the Retirement Income "Death Spiral"
Are you worried about outliving your retirement savings? Sequence of returns risk is a real threat, but new research suggests it could be even more insidious than previously thought.
![Weekend reading nocebo effect](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-nocebo-effect.png)
The Nocebo Effect: Why You Must Eradicate Negative Expectations
The mind is a powerful tool, and our thoughts can have a surprising impact on our reality. The "nocebo effect" is a prime example – when negative beliefs create negative outcomes.
![Weekend reading two types of money people](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-two-types-of-money-people.png)
The Two Types of Money People
Ever dreamt of retiring early with a healthy nest egg, only to find yourself hesitant to actually enjoy it? It's a common struggle for those who've spent a lifetime prioritizing saving.
![Weekend reading riddle of happiness](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-riddle-of-happiness.png)
The Riddle of Happiness
We've all heard the phrase, "money can't buy happiness," but what does it truly mean?
![Weekend reading pension as lump sum](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-pension-as-lump-sum.png)
Should You Take Your Pension as a Lump Sum?
Facing a choice between a pension payout and a lump sum? This decision is crucial for your retirement finances. Here's what you should consider.
![Weekend reading chestertons fence](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-chestertons-fence.png)
Chesterton’s Fence: A Lesson in Second Order Thinking
Before making drastic changes to any of your plans, it's wise to understand why things are the way they are.
![Weekend reading mutual funds tax traps](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-mutual-funds-tax-traps.png)
Weekend Reading: Where It Nets Out: Tax Traps in Mutual Funds
Did you know you can sell a mutual fund at a loss even if it's grown in value over time?
![Weekend reading interest rate cuts delay](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-interest-rate-cuts-delay.png)
Weekend Reading: Fed Diverges From Global Peers in New Era of Higher for Longer
The Federal Reserve's decision to delay interest rate cuts is creating ripple effects across global markets. Here's what it means for your investments.
![Weekend reading hoarders](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-hoarders.png)
Weekend Reading: Hoarders
Today, we grapple with the challenge of managing surplus, especially in the pursuit of financial success.
![Weekend reading assets that dont diversify well](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-assets-that-dont-diversify-well.png)
Weekend Reading: 3 Assets That Might Not Diversify as Well as You Think
The concept of diversification is often touted as a pillar of sound investing. But not all assets that are supposed to add protection to your portfolio live up to the hype.
![Weekend reading efficient market hypothesis](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-efficient-market-hypothesis.png)
Weekend Reading: What is the Efficient Market Hypothesis? And What Does it Mean for You?
Ever feel overwhelmed by the constant noise and conflicting advice in the financial world? The Efficient Market Hypothesis (EMH) could be your antidote.
![Weekend reading investment alternatives](https://s3.us-east-1.amazonaws.com/assets.howardbailey.com/uploads/News/_640x400_crop_center-center_none/weekend-reading-investment-alternatives.png)
Weekend Reading: Do You Need Alternatives to Get Rich?
The ultra-wealthy invest heavily in alternatives like private equity and real estate. But do these less-accessible investments hold the key to building your nest egg? Not necessarily.