Yearfold journal
Field notes on planning a real retirement
Every post links its sources. We update the year-stamp on the right whenever a post is reviewed against new data.
April 6, 2026 · The Yearfold team
Monte Carlo simulation for retirement, explained in 600 words
Why running 10,000 simulated retirements beats predicting one — explained without statistics jargon.
fundamentals · methodology
April 1, 2026 · The Yearfold team
How a realistic retirement calculator differs from the ones your bank offers
Most bank calculators ask three questions and assume a 7% return forever. Here's why that produces wildly optimistic numbers — and what to do about it.
fundamentals · methodology