Guest Post on Budgets are Sexy: My Top 7 Disagreements With Personal Finance Experts

J. Money, the personal finance blogger who runs Budgets are Sexy and RockstarFinance asked yours truly to write a guest post! Wow, what an honor! And, it turns out, this is actually my first guest post ever (not counting the “Christopher Guest Post” on the Physician on FIRE blog two months ago because that’s actually an interview). What did I write about? Initially, I proposed to go on an all-expenses-paid trip to Tahiti to review some luxury resorts and report back, uhm, some time later this year. But J$ had another brilliant idea: write about my favorite finance pet peeves. And it got published today:

My Top 7 Disagreements With Personal Finance Experts

Of course, to read it all, you’ll have to head over to Budgets are Sexy. But please see below for supplemental material, i.e., some of our blog posts on the seven topics:

1. Safe Withdrawal Rate:
   • The Ultimate Guide to Safe Withdrawal Rates – Part 1: Introduction (plus follow-up posts, part 2, part 3, going to part 4 already!)
2. Robo-Advisers:
   • We just saved $42,000 by not switching to Betterment
   • Why we don’t use Robo-advisers
   • Be Your Own DIY Zero-Cost Robo-Adviser!
3. Emergency Funds:
   • Our emergency fund is exactly $0.00
   • Why an emergency fund is a bad idea in one single chart
   • Top 10 reasons for having an emergency fund – debunked (Part 1)
   • Top 10 reasons for having an emergency fund – debunked (Part 2)
4. Bonds to diversify equity risk:
   • The Great Bond Diversification Myth
5. Bond vs. Stock Risk:
   • When bonds are riskier than stocks
6. Cash as bear market insurance:
   • Cash Management in Early Retirement
7. Tax loss harvesting:
   • Tax Loss Harvesting: what is it and how large is the expected benefit?