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      <title>The Bar for Financial Freedom Is Lower Than You Think</title>
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      <description>By the 4% rule, spending $60,000 a year means you need $1.5 million to be financially free. Spend $100,000 and the number is $2.5 million. A three-step plan to get there.</description>
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      <title>Why You Either Lose Money or Give Back Your Gains</title>
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      <pubDate>Fri, 25 Sep 2026 11:20:00 +0800</pubDate>
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      <description>If you lose money investing, or make it and give it back, the method is wrong. Two honest tests: are you actually up, and can you sustain 10% a year for a decade?</description>
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      <title>How Good Are Index Funds? Three Buffett Quotes Explain It</title>
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      <pubDate>Wed, 23 Sep 2026 15:00:00 +0800</pubDate>
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      <description>In three short passages Buffett explains why a lowest-cost index fund is the best way for most investors to own stocks — after fees, they beat most professionals.</description>
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