About RTM

We have all heard confidently delivered suggestions like these:

- "Don't get more credit than you need"
- "An emergency reserve fund is a first step in a sound financial plan"
- "Blue-chip stocks are the best investment for the long term"
- "Don't count on Social Security"

They sound reasonable, and so busy people like us tend to follow them. However, in a time of increasing market uncertainty, an unfolding "credit crunch", and looming baby boomer retirements, they don't serve us well. This site explores why they fail, and examines which different rules might serve us better. I hope you find these issues of interest and I look forward to reading your feedback.

Dave Hanson