- Adaptive Asset Allocation and The Intelligent Asset Allocator - Define what your long term goal is then work backward, doing the math - Risk isn't the risk

- Adaptive Asset Allocation and The Intelligent Asset Allocator - Define what your long term goal is then work backward, doing the math - Risk isn't the risk that you lose money, it's the risk that you won't reach your long-term goal. Everything you do should aim at the goal - Prioritize your retirement fund over house and car expenses. Make monthly deposits into a high interest savings account for house and car maintenance. Withdraw when you use the balance. Always, always contribute to your retirement fund. - Save for insurance payments through the year in a high interest savings account, pay a lump sum at the end of the year. This way you earn, and don't pay interest. - With investing you probably want a robo investor, and adaptive asset allocation is the way to go