<h2>Tools & Resources</h2>
<h3>Could also be called how I learned all of this stuff.</h3>

<h3>Websites</h3>

  *  Government My Money website]
  *  Smart Money] course.
  *  501c3 ran Forum & Wiki dedicated to personal Finance.
  *  FIREyFemmes] Reddit sub-reddit, also see their that lists other useful sub-reddits.
  *  Trading and Investing Simplified] Zerodha's varsity website tries to educate one about Trading, Investing and personal finance.
  *  Safe Documents] - A way to store important documents for your next of kin(given to them as you want or full access @ time of death).
  *  Coat Investor] Doctor interested in FI blog
  *  Retirement/Independence Calculators]
  *  Visualizer] Compare strategies across history.
  *  If you are going to hire an advisor, them out]. The Securities Exchange Commission keeps updated information on all these folks at:
  *  Excel Calculators]
  *  calculators] & calculators]
  *  Investor blog]

<h3>Books</h3>
  *  You Can - How Millenials Can Get Rich Slowly"] - William J. Bernstein.
  *  "The little Book of Common Sense Investing" - John C. Bogle
  *  "The Intelligent Investor" - Benjamin Graham
  *  "Budgeting 101" - Michele Cagan
  *  "The Ascent of Money: A financial History of the world" - Niall Ferguson
  *  "Choose FI" - Chris Mamula & Brad Barrett & Jonathan Mendonsa


  *  Money and Banking: What Everyone Should Know - Michael K Salemi, PHD
  *  Financial Literacy: Finding your way in the financial markets - Connel Fullenkamp PHD
  *  The Art of Investing: Lessons from History's Greatest Traders - John M. Longo PHD
  *  Money Management Skills - Michael Finke PHD
  *  Understanding Investments - Connel Fullenkamp PHD
  *  Advanced Investments - Steve L. Slezak PHD
  *  Who Should Buy Long-Term Bonds? John Y. CAMPBELL & Luis VICEIRA,  Harvard
  *  Withdrawal Rate Study] Trinity University
  *  "Multifactor Portfolio Efficiency and Multifactor Asset Pricing" by Fama (JFQA 1996).
 AKA proof the market is efficient.
  *  Psychology of Money"] by Morgan Housel

It has a mathematical proof showing MKT is efficient.

<h3>Timing The Market Games</h3>
  Or games that will prove that timing the market is 99.999% of the time a terrible idea, and you shouldn't bother.

  *
  *
  *

<h3>Safe withdrawal rate(SWR) -> how many times expenses you need.</h3>

i.e. for a 4%/yr SWR, you need 25 x your expenses/yr.
<p>
example:
I believe a 4% SWR is a safe starting point, I currently spend $40k/yr in expenses, how much $'s do I need invested?
<P>
<code>
40,000 * 25 = 1,000,000

1,000,000 * .04 = 40,000
</code>
<p>
<table>
<tr><th>SWR</th><TH>Expenses


</table>