Larry's Substack Articles
Substack articles on various topics by Larry Kotlikoff
Try this out on your fin advisor. If they can't answer these questions, have them run MaxiFi before providing you financial advice. Or, like tens of tho...
Tue, 26 Aug, 2025 at 7:56 PM
JD’s statement suggests that we’ll pay dramatically lower taxes on our 2025 incomes than our 2024 incomes. Sadly, this is not remotely true. Read the ar...
Fri, 29 Aug, 2025 at 11:17 AM
The 2006 Pension Protection Act (PPA) allowed lifecycle, aka target-date funds, to serve as a “qualified default investment alternative,” permitting employe...
Thu, 18 Dec, 2025 at 4:25 PM
Today’s focus is on an article by Derek Horstmeyer, entitled “Inflation-Protected Bonds Fail a Key Test: They Don’t Help When Inflation Is High.” Professor ...
Fri, 19 Dec, 2025 at 9:05 AM
As you likely already know, the reason the market’s been booming is that the valuations of the 10 largest AI companies, including Nvidia, have skyrocketed t...
Fri, 19 Dec, 2025 at 9:09 AM
Forty-year-old Jerry lives in New Mexico. Jerry’s single. But he’s dating an AI bot named Techninny. He loves her or them. But Jerry knows Techninny’s tende...
Fri, 19 Dec, 2025 at 9:10 AM
Tens of millions of American households rely on the financial industry to provide investment and related financial advice that is in their best interest. Th...
Fri, 19 Dec, 2025 at 9:12 AM
Last year Americans contributed close to $600 billion to charity. That’s both a lot and a little. It’s more than the GDP of 85 percent of the 195 countries ...
Fri, 19 Dec, 2025 at 9:18 AM
I wear lots of hats. One is a self-styled financial “therapist.” No, I’m not a licensed mental health professional. But I do talk with many people about the...
Wed, 18 Feb, 2026 at 11:20 AM
It’s the new year — time for all of us to figure out how much to spend each month, each week, and even each day to stay within our annual budget. Whether we...
Wed, 18 Feb, 2026 at 11:20 AM