Ken Steiner, Fellow of the Society of Actuaries, Retired, and Bobbie Kalben, Fellow of the Society of Actuaries, Retired are solely responsible for the opinions expressed in this website. We advocate the use of basic actuarial and financial economic principles to help people make better financial decisions. Ken has been advocating the actuarial approach for determining reasonable spending budgets  discussed in this website for over 10 years. Neither Ken nor Bobbie has expertise in asset investing or financial planning. Neither receives any direct or indirect compensation from visits to this website or from any activity associated with this blog.