Jeremy Olshan
speaker
132 appearances
2 recordings
1 series
first heard Oct 2023
last heard Jan 2025
Jeremy Olshan’s voice in public audio — every appearance, attributed to the second.
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Appearances
it's worth using tools like this to have conversations with your future self.
The biggest net effect is that person who still feels pretty distant is more real in a way since I've run variations on where I might end up.
The great thing about doing this is that it's more than just plugging in your numbers and getting an answer.
The reason you want to do the stress test is really to imagine all the things that could happen in one's life, both good and bad.
Maybe you win the lottery, write a best-selling novel, you lose your job, deal with some health crisis, and these are the kinds of impossible things
to plan for in just a traditional retirement calculator.
What the new tools let you do is really see, okay, you have all my info, you can project out what my situation may look like in 20 or 30 years, but then you can run different scenarios.
So you can drop, well, what if my income drops
plummets to zero for this stretch for some number of years.
Or the opposite, I get a big raise.
How do these changes play out into the future?
It's almost like going on an imaginative journey, both pleasant and sometimes harrowing.
But I was blown away once you get into it.
And there's initial little work, like a lot of data entry and finding different, all the pieces.
But once you get the basics in place, it really lets you imagine a whole range of lives you might have.
These are at the level that used to be only available to financial professionals.
One is called Maxify, which is sort of the brainchild of Lawrence Kotlikoff, who's an economist at Boston University.
And the other is called Bolden.
It asks for your current assets, your income, how much you're contributing.
to your various accounts what do you own a home what that's worth how much debt you have mortgage debt student loan debt or anything else and then start to make assumptions based on and this is where it gets tricky based on thresholds you give for both optimistic and pessimistic market performance or economic data like is inflation going to remain average or elevated the way we had a few years ago and all that really changes somewhat dramatically what it looks like down the line so
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