Medium

Todd Lincoln

In

The Alternative Ledger

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Todd Lincoln

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Nov 4

A High Income Can Hide a Surprisingly Fragile Financial Life

The Wealth Operating System #3: The High-Earner Fragility Test

Depiction of the High-Earner Fragility Test

In

The Alternative Ledger

by

Todd Lincoln

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Nov 2

Your 401(k) Will Eventually Decide How Much Income You Take

Required minimum distributions are set by your balance and your age, not your budget. Here’s how to find out if they’ll set your tax…

RMD Forced Income Calculator

In

The Alternative Ledger

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Todd Lincoln

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Oct 30

Your Index Funds May Own the Same 10 Companies Twice. Here’s How to Check.

A simple look-through test shows what you really own, how much of it rides on AI, and what a concentrated selloff would cost.

The Portfolio Concentration & Stress Tester

In

The Alternative Ledger

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Todd Lincoln

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Oct 26

Should You Pay Down Debt or Invest? You’re Probably Comparing the Wrong Numbers

The Wealth Operating System #10: The Hurdle Rate Rule

Hurdle Rate Decision Calculator

In

The Alternative Ledger

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Todd Lincoln

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Oct 23

Have You Already Saved Enough to Stop Saving for Retirement?

A simple Coast FIRE test shows whether the money you’ve already invested can finish the job on its own, and how much the answer depends on…

The Coast FIRE Calculator

In

The Alternative Ledger

by

Todd Lincoln

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Oct 16

Why “Can I Afford the Payment?” Is the Wrong Question

Every recurring cost needs its own pool of invested money once the paychecks stop. Here’s how to measure it, and how many years it can…

Image depicting the Permanent Price Calculator

In

The Alternative Ledger

by

Todd Lincoln

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Oct 10

Why a Balanced Budget Can Still Be Falling Behind

Companies account for depreciation. Most households don’t. Here’s how to measure the wear your budget is missing, and when it will come…

The Replacement Reserve Calculator

In

The Alternative Ledger

by

Todd Lincoln

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Sep 28

The Number High Earners Should Watch More Closely Than Their Salary

The Wealth Operating System #2: The Fixed-Cost Ceiling

Depiction of the Fixed-Cost Ceiling

In

The Alternative Ledger

by

Todd Lincoln

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Sep 22

Every Financial Decision Either Buys You Freedom or Takes Some Away

The Wealth Operating System #6: The Optionality Test

Depiction of the Optionality Test

In

The Alternative Ledger

by

Todd Lincoln

·

Sep 17

Your Portfolio Can Become Riskier Without You Making a Single Trade

The Wealth Operating System #9: The Portfolio Drift Rule

Depiction of the Portfolio Drift & Rebalancing Calculator

Todd Lincoln

Todd Lincoln

Friend of Medium

I turn investing and money questions into free Excel models you can use with your own numbers. https://investorshandbook-newsletter-c72f94.beehiiv.com/

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