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Recent thoughts

  • Google Sheets budget template

    You can open the Google Sheets budget template we created and make a copy to use yourself. This template is flexible and can be used with a variety of styles of budgeting. We tend to prefer starting with zero-based budgeting, but we don’t think it’s necessarily the best form of budget to carry forever. The […]

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  • A simple retirement Monte Carlo simulation Excel template

    If you’re not sure what Monte Carlo is, please checkout our explanation in part one. Otherwise, please proceed after downloading the simple Excel template this article explains.   This model is intended more as a vehicle for understanding the ins and outs of how it works and less as a ready made retirement calculator. Please […]

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  • What is a Monte Carlo simulation?

    We want to offer a conceptual understanding here of Monte Carlo simulations so that you know why someone might use them and how you should feel about them when receiving decision making advice based on this type of model. Why should you care about Monte Carlo simulations? If you’re involved in finance, retirement planning, project […]

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  • An advanced retirement Monte Carlo model Excel template

    If you’re looking for an explanation of Monte Carlo please take a look at our breakdown of the method before this piece. If you want a very simple Excel model, start with our bare bones version to improve your understanding. If you’re here for a strong Monte Carlo simulation tool for retirement spending then you’re […]

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