Author: PK

PK started DQYDJ in 2009 to research and discuss finance and investing and help answer financial questions. He's expanded DQYDJ to build visualizations, calculators, and interactive tools. PK lives in New Hampshire with his wife, kids, and dog.
Age and Retirement Savings to Income Multiple: What Should You Have Saved?

One way to evaluate retirement savings is to look at a retirement savings to income multiple. In this post we'll […]

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Checking in on Risk Premiums: Mid-May 2018

A risk premium is the excess return an investor captures or anticipates between a risky asset and a comparable safer […]

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Using Yield Curve Inversion as a Recession Indicator

We've looked at extending our measure of the United States yield curve back in time. To recap, a yield curve […]

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Long Run Yield Curve Inversions, Illustrated (1871-2018)

On this page we examine the history of the relationship between long term and short term government debt yields in […]

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Mortgages vs. the Expected Inflation Rate, April '18

Inflation expectations through Treasury breakevens – a concept we just visited – are a decent take on the market's opinion […]

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Inflation Expectations as of 4/12/2018

For a time, we were closely watching inflation expectations – or a close approximation known as treasury breakevens, anyway. By […]

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American Retirement Savings by Age: Averages, Medians and Percentiles in 2016

Unfortunately, most people aren't on track to save a significant amount of money for retirement. Depending on how you do […]

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Average American Retirement Savings, Medians and Percentiles in 2016

In 2016, American households headed by someone aged 32-61 averaged $120,809.40 in retirement savings, or $264,453.30 using an expansive calculation. […]

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How Many Accredited Investors Are There by Age?

We present here estimates for the number of accredited investors by age in the United States for full-year 2016. In […]

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What Was Your Savings Rate in 2017?

We here at DQYDJ have recently been sharing some of our insights into our own personal finances – you can […]

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