Bearly Bullish Episode 005: Bearly Bullish Takes on De-Risking - 11/6/2022

Today we do a deep dive on what YOU and other prudent investors might do to de-risk in the current macroeconomic environment. We look at two angles, first de-risking by decreasing cash burn for personal expenditures, and second de-risking by making contingency plans ahead of potential catastrophic price fluctuations and calamity.

We also consider some key questions:
What is the ratio of cash flow burn to savings, and why is it important; what are some good target ratios to aim for?
Under what conditions might you consider selling your house or car, and why?
What radical savings can be made in the areas of health care and food expenditures?
What are some strategies for putting a floor on investment losses, or knowing when to buy or "dollar cost average" into certain investments?
What is the insurance industry based on, and what could cause insurance firms to refuse or fail to pay claims?
When do bank runs, bank holidays, and bank bail-ins occur, and what does this mean for you and your wealth?

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Topics Discussed: de-risking, risk, risk management, diversification, cash flow, cash burn, cash burn rate, depreciation, consumer debt, debt, housing, consolidation, frugality, thrift, car depreciation, automobile depreciation, auto sales, car sales, debt financing, home financing, mortgage, acceleration clause, car financing, health care costs, health costs, utilities costs, energy costs, lower utility bill, lower grocery bill, pension plan, prospectus, 401k rollover, 401k reallocation, pension fund cash out, insurance claims, claims payout, force majeure, claims delays, claims default, insurance default, insurance bankruptcy, de-risk strategies, S&P 500, SPY, cyclical stocks, value stocks, 401k, elections, allocations, dollar cost averaging, recession, depression, bear market, P/E ratio, Fed balance sheet, bull market, inflation, current economic factors, deflation, devaluation, store of value, currency, money