Irrational Retirement Blog

Why we behave irrationally when it comes to retirement saving and what can we do about it.

[Žiga Vižintin @zigavizintin]

Stock market correlations are low when price moves are small—but when crises hit, everything moves together. Diversification helps, but not as much as you’d hope when you need it most. Some interesting points from a classic investment book Manias, Crashes, and Panics from 1978.

[Žiga Vižintin @zigavizintin]

Every financial crisis has two main stages: Causa remota – the long buildup. Credit expands, speculation runs wild, ...

Causa proxima – the trigger. A sudden event shatters confidence.

So the BIG question - are we in a causa remota moment today? Or closer to causa proxima? 🤔

[Žiga Vižintin @zigavizintin]

Did OpenAI just have its MP3 moment with DeepSeek? #AI

[Irrational Retirement Blog @BlogIrrational]

I'll never retire is not a plan 💯👇

[Mark McGrath @MarkMcGrathCFP]

"I'll never retire."

That might not be up to you.

My brother in law had a heart attack at 39.

My mom had a stroke at 48.

And I've had clients working and earning millions in their 80s.

If your retirement plan is to never retire, you don't have a plan at all.

[Richard H Thaler @R_Thaler]

Here is a great paper with a fantastic title!

[Irrational Retirement Blog @BlogIrrational]

Some behavioraly informed tips on how to make your New Year's resolutions stick to more than just the end of January ��� https://t.co/4uO06nqIeC

[Irrational Retirement Blog @BlogIrrational]

Most New Year’s resolutions fail by February, but saving for retirement or building an emergency fund doesn’t have to. Small, behaviorally informed steps can lead to lasting change. Start your financial journey this January—here’s how: https://t.co/4uO06nqIeC

[Irrational Retirement Blog @BlogIrrational]

Soaking up some vitamin D with a side of Ichnusa Non Filtrata on the Italian coast 💯

[Žiga Vižintin @zigavizintin]

With Squid Game Season 2 here, it’s the perfect time to bring back the Squid Game-inspired retirement memes I created last year! 🎮💰

Retirement might not be life-or-death like the show, but good planning can keep you in the game. Check more memes on https://t.co/wPD6sXynLI

[Irrational Retirement Blog @BlogIrrational]

Merry Christmas and a Happy New Year from The Irrational Retirement Blog! Here’s to a 2025 that’s as rational as possible—but not too boring. Stay thoughtful, stay witty, and thanks for reading!

[Irrational Retirement Blog @BlogIrrational]

The Maginot line philosophy 👇🧱

[Žiga Vižintin @zigavizintin]

Some Saturday morning wisdom from the book I’m just reading: The Maginot Line Philosophy 🛑: Building defenses for yesterday's battles. We’ve all done it. Sticking to an old strategy while the world moves on.

Pic from the investment classic Manias, Panics and Crashes.

[Richard H Thaler @R_Thaler]

Such a nice paper with a loving tribute to Danny Kahneman in the title (and the idea).

[Irrational Retirement Blog @BlogIrrational]

And we are at the London Stock Exchange today, speaking on the panel about strengthening capital markets through pension reform! 💼📈

[Irrational Retirement Blog @BlogIrrational]

This time it's different 🙃 We'we all been there.

[Žiga Vižintin @zigavizintin]

On the "this time it's different" and how we always try to explain why the latest financial boom will not end in a bust 📈�� Pic from the classic Manias, Panics, and Crashes.

[Irrational Retirement Blog @BlogIrrational]

Next on the #readinglist an investmen classic Manias, Panics, and Crashes - A history of financial crisis first published in 1978 and updated in 2005. What a classic and nicely shows how most are doomed to repeat the same mistakes over and over ... #behavioraleconomics

[Irrational Retirement Blog @BlogIrrational]

Just had a fantastic chat on the V-FM podcast with Darren & Nico! We covered #retirementplanning, regulation, #valueformoney, bitcoin in pension portfolios, and even microplastics. Lots of great topics – worth a listen! 🎙️
https://t.co/lCz4bnizln

[Irrational Retirement Blog @BlogIrrational]

After a looong time finally a new post on our blog about how to make saving for retirement more engaging with borrowing some tricks from game designers 🎮👇

[Žiga Vižintin @zigavizintin]

Saving for #retirement can feel like a marathon with no finish line. But what if we borrowed some tricks from the gaming world? 🎮 My latest article explores how short-term goals and milestones can make #RetirementPlanning more engaging. https://t.co/RBSpkflBTa #gamification

[Irrational Retirement Blog @BlogIrrational]

Haven't dropped a #retirementMeme in a while, so here's one for all the avocado toast lovers 🥑💸. More laughs (and wisdom) on my blog 👉 https://t.co/qudgmCZ0iq Enjoy! #retirementplanning #memes #financememes

[Žiga Vižintin @zigavizintin]

🎉 Uspešna konferenca o prihodnosti pokojninskega sistema je za nami! Kakšna bo vloga drugega pokojninskega stebra in kaj se lahko glede uvedbe samodejne vključitve v pokojninske načrte naučimo od Velike Britanije je bilo le nekaj tem, ki smo jih pokrili. https://t.co/vJY0icVksP

[Žiga Vižintin @zigavizintin]

Ireland to finally introduce auto enrollment in retirement plans in September 2025 💯🚀 meaning 800.000 workers will be enrolled in the new scheme. Sure hope #Slovenia will be next 🤞
https://t.co/tONA4PKu6w