Laurence Kotlikoff

Last chance.

20% off MaxiFi ends Monday, March 9.
• Optimize lifetime taxes.
• Optimize Medicare impact.
• Optimize what you can spend.

Offer ends March 9. Use code: FEB2026
https://www.maxifi.com/pricing

Just 5 days to save 20% on MaxiFi.

Includes the new Roth Conversion Optimizer™ in Premium & Professional.

Ends March 9.
Code: FEB2026
https://www.maxifi.com/pricing

Confidence you can count on.

MaxiFi calculates your highest sustainable living standard — and now optimizes Roth conversions across multiple strategies.

Now 20% off through March 9. Use code: FEB2026
https://www.maxifi.com/pricing

Finally, a President with the Balls to Handle Iran President Trump's Actions Are Decades Overdue and, Yes, Carry Major Risks

Finally, a President with the Balls to Handle Iran
open.substack.com/pub/larrykot...

Smarter Roth decisions can make a meaningful difference over time.

MaxiFi now includes advanced Roth Conversion Optimization strategies to help lower lifetime taxes and strengthen retirement spending potential.

Save 20% through March 9
Code: FEB2026
https://www.maxifi.com/pricing

Roth conversions shouldn’t be guesswork.

MaxiFi’s new Roth Conversion Optimizer™:
✔ Minimizes lifetime taxes
✔ Evaluates Medicare impact
✔ Compares 3 strategies
✔ Maximizes long-term outcomes

Now 20% off through March 9. Use code: FEB2026
https://www.maxifi.com/pricing

Listen in on my latest podcast with Glenn Loury, an absolutely brilliant economist and a public intellectual extraordinaire! https://ow.ly/pwwM50YmzNa

Martin Wolf Discusses the Domestic and Global Impacts of America's Fascist in Chief Martin Wolf is Chief Economics Commentator at the Financial Times, London.

Martin’s 2023 book, The Crisis of Democratic Capitalism, warned that liberal democracy was in recession, with authoritarianism on the rise. Two years later his dark vision has become America’s reality. Listen in on my latest podcast: https://ow.ly/j97L50YlcZS

What can you safely spend — not just this year, but for life?

MaxiFi® calculates your highest sustainable living standard and builds a plan to maintain and grow it over time.

20% off through March 9
Use code: FEB2026
https://www.maxifi.com/pricing

Kevin Hassett Regrets and Retracts His Call to Discipline Fed Researchers "The Fed's Independence Extends to its Research"

Kevin Hassett Regrets and Retracts His Call to Discipline Fed Researchers
open.substack.com/pub/larrykot...

Are You Investing Solely to Lose Money? Downside Investing Is Financial Masochism. Risky Investing is an Option, Not a Starting Point.

Are You Investing Solely to Lose Money?
open.substack.com/pub/larrykot...

Are we about to have another financial meltdown or at least a major crash? Listen in as one of the world’s top financial guru’s, John Rutledge, provides his deeply informed sense of the current financial system. https://larrykotlikoff.substack.com/p/far-from-equilibrium

Is the Fed Irrelevant? Game Changer, Parade Follower, Cheer Leader, or Shock Maker?

Fisher’s view of the Fed struck me, at the time, as passing strange. After all, every macro economist and his brother were busy trying to demonstrate exactly how the Fed impacted the economy. https://ow.ly/flXH50Y8s44

Are You Budgeting To the Wrong Budget? You may be spending, right to the penny, exactly the wrong amount.

It’s the new year — time for all of us to figure out how much to spend each month, each week, and even each day to stay within our annual budget. https://ow.ly/Xg8o50Y8s1T

Are You Budgeting To the Wrong Budget? You may be spending, right to the penny, exactly the wrong amount.

Are You Budgeting To the Wrong Budget?
open.substack.com/pub/larrykot...

I’ve invited Anders Åslund back to Economics Matters -- the Podcast to assess the damage, and its perilous implications. https://larrykotlikoff.substack.com/p/anders-aslund-the-premiere-global?utm_campaign=email-half-post&r=1egwop&utm_source=substack&utm_medium=email

Trump Is Inviting Sanctions on All of US and Criminal Charges on Himself and His Comrades Consider the EU's Response to the First Dead Danish Soldier in "Our" Greenland Invasion

Trump Is Inviting Sanctions on All of US and Criminal Charges on Himself and His Comrades
open.substack.com/pub/larrykot...

Is Brazil Next on Trump's Hit List? Paulo Nogueira, Brazil's Brilliant Economist, Weighs In on the World According to Trump

Is Brazil Next on Trump's Hit List?
open.substack.com/pub/larrykot...

Cliff Winston is back on Economics Matters -- the Podcast. He’s also just out with an impressive new book -- Market Corrections Not
Listen here: https://larrykotlikoff.substack.com/p/cliff-winston-our-nations-top-expert

Are Life-Cycle Funds Too Risky and Expensive? They work for Wall Street, but do they work for us?

Does lifecycle investing make sense for anyone, let alone everyone? Here's my take: https://larrykotlikoff.substack.com/p/are-life-cycle-funds-too-risky-and

Guillermo Lagarde, Mexico's Brilliant Economist, Talks Latin America Economics, Politics, Tariffs, Immigration, China, Global Realignment, and the Drug War

Did you catch this podcast? My former PhD student, Guillermo Lagarde, former Chief Economist of Mexico, dropped in to talk economics, politics, tariffs, immigration, china, global realignment, and the drug war. Listen now: https://ow.ly/eSvG50XTulP

Kevin Hassett for Chair of the Fed -- A simply terrific choice to replace Chairman Powell

Kevin Hassett has worked for years for the American people, which he realizes is an extraordinary honor and privilege. He fully knows the critical importance to the country of our central bank’s independence and will certainly not compromise that independence. https://ow.ly/T4NJ50XTujQ

Whether it’s inventing Covid detection masks, AI-driven portable disease-detection machines, or robotic AI-guided robotic sensors, Trevor is a whirlwind of discovery and practical implementation. Join me in this fascinating and highly entertaining interview. https://ow.ly/2tko50XTxlE

Harvard, It's Time to Say Goodbye to Larry Summers Larry Summers is not fit to continue serving as a professor at Harvard.

Harvard has reached a crossroads, and pretending otherwise won’t help. It's time for Harvard to invite Larry Summers to resign. https://larrykotlikoff.substack.com/p/harvard-its-time-to-say-goodbye-to

Wall Street's Great Holiday Sale! 30-Year Treasury Inflation Protected Securities -- TIPS -- are remarkably cheap.

Wall Street's Great Holiday Sale!
open.substack.com/pub/larrykot...

Are Life-Cycle Funds Too Risky and Expensive? They work for Wall Street, but do they work for us?

Are Life-Cycle Funds Too Risky and Expensive?
open.substack.com/pub/larrykot...

Daniel Shavior, NYU Professor of Taxation at NYU Law School, and I Discuss Inequality, Optimal Taxation, Tariffs, and Tax Reform Dan is the Wayne Perry Professor of Taxation at NYU Law School, is a graduate of Princeton University and Yale Law School.

Taxes don’t have to be mysterious. NYU’s Daniel Shaviro explains the structure, incentives, and inequities built into our system—with clarity few can match. https://larrykotlikoff.substack.com/p/daniel-shavior-nyu-professor-of-taxation

Rob Berger: Retirement Planning with MaxiFi and Larry Kotlikoff Rob Berger interviews me about how MaxiFi works, particularly its Roth Optimization and Social Security guidance.

Retirement planning doesn’t have to be confusing—which is why Rob Berger’s insight is so valuable. Check out my visit on his YouTube stream as we dive into strategies that actually work, common pitfalls, MaxiFi software and how to invest without losing sleep. https://ow.ly/jpf850XHEA2

Another Awful WSJ Personal Finance Article -- This One on TIPS Advising People to Avoid TIPS When Inflation is High is as, well, Pick your Pejorative.

The WSJ’s latest personal finance piece misses the mark. Here’s what they overlooked—and what readers actually need to make good financial decisions. https://larrykotlikoff.substack.com/p/another-awful-wsj-personal-finance

Economist, Jeremy Ko, on the General Folly of Early Social Security Benefit Collection Jeremy is a super smart economist. Read his blog, reposted here, on what, for many, is a critical retirement financial survival decision -- when to start collecting benefits.

Economist Jeremy Ko offers a clear explanation for why taking Social Security early is a massive financial mistake for most workers. https://larrykotlikoff.substack.com/p/economist-jeremy-ko-on-the-general