Tabla de Contenidos: “…The life cycle of spending -- 4.1 Data Refinement -- 4.2 The J.P. Morgan expenditure model -- 4.3 Generational view -- 4.4 Investable wealth levels -- 4.5 Accounting for long-term care costs -- 4.6 Implications of the life cycle of spending for plan providers and employers -- 4.7 Implications of the life cycle of spending for firms that provide financial planning -- 5 Shifting into retirement -- 5.1 The retirement transition period data filter -- 5.2 Defining "retirement" -- 5.3 At what age do people retire? …”

Tabla de Contenidos: “…Bond Market -- BNY Mellon Core Bond ETF (BKAG) -- Vanguard Total Bond Market (BND) -- Vanguard Short-Term Bond (BSV) -- Chapter 15 Moving Beyond Basics into Municipal and Foreign Bonds -- Municipals for Mostly Tax-free Income -- Take a tour of 50 states -- Foreign Bonds for Fixed-Income Diversification -- Vanguard Total International Bond (BNDX) -- iShares International Treasury Bond ETF (IGOV) -- SPDR FTSE International Government Inflation-Protected Bond ETF (WIP) -- Invesco International Corporate Bond ETF (PICB) -- Emerging-Market Bonds: High Risk, High Return -- Vanguard Emerging Markets Government Bond (VWOB) -- SPDR Bloomberg Barclays Emerging Markets USD Bond ETF (EMHC) -- iShares J.P. Morgan USD Emerging Markets Bond Fund (EMB) -- Part 4 Specialized ETFs -- Chapter 16 All That Glitters: Gold, Silver, and Other Commodities -- Gold, Gold, Gold! …”

“…Previously, he worked as a data scientist, software engineer, and researcher at Foursquare, Google, Andreessen Horowitz, J.P. Morgan, and NASA. He is a regular contributor to VentureBeat, The Next Web, and Harvard Business Review. …”

“…A simple quote from Mr. J. P. Morgan is used often in this text - "Lending is not based primarily on money or property. …”