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e-that-people-reading-my-stuff-are-aware-of-the-other-side-of-the-story-that-way-i-am-covered-thats-how-my-buy-and-hold-friends-should-play-it-if-greaney-included-language-describing/</loc><lastmod>2015-07-26T04:00:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/09/valuation-informed-indexing-257-its-not-possible-that-valuations-matter-only-at-the-margins/</loc><lastmod>2015-07-28T16:23:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/10/what-i-am-doing-in-demanding-recognition-of-everyones-right-to-post-honestly-is-as-important-as-what-shiller-did-in-publishing-his-revolutionary-research-shiller-got-us-where-we-need-to-go-intell/</loc><lastmod>2015-08-01T15:22:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/11/i-used-to-believe-in-the-buy-and-hold-garbage-i-know-how-it-feels-to-be-tricked-re-this-stuff-legitimate-strategies-can-be-defended-without-death-threats-i-earned-my-retirement-money-i-expect-to/</loc><lastmod>2015-08-01T16:09:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/14/goon-poster-to-rob-are-you-suggesting-that-the-wall-street-institutions-that-set-stock-prices-dont-have-access-to-the-same-information-as-you/</loc><lastmod>2015-08-01T17:14:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/15/valuation-informed-indexing-258-it-is-critical-to-distinguish-returns-sequence-risk-from-valuations-risk-when-calculating-safe-withdrawal-rates/</loc><lastmod>2015-08-04T08:57:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/16/valuation-informed-indexing-259-return-predictions-are-implicit-in-all-investing-advice/</loc><lastmod>2015-08-11T08:24:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/17/valuation-informed-indexing-260-shillers-ideas-should-be-treated-as-mainstream-ideas/</loc><lastmod>2015-08-18T08:48:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/18/12234/</loc><lastmod>2015-08-31T10:15:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/21/valuation-informed-indexing-262-the-unpredictability-of-short-term-return-sequences-masks-the-predictability-of-long-term-returns/</loc><lastmod>2015-09-01T14:53:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/22/valuation-informed-indexing-263-shillers-comments-about-the-recent-price-drop-are-disingenuous/</loc><lastmod>2015-09-08T10:51:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/23/commentor-on-one-of-my-value-walk-columns-you-are-only-mad-because-shiller-did-not-give-you-a-binary-response-buysell-to-his-view-of-the-market-market-models-are-not-binary-or-absolute-systems/</loc><lastmod>2015-09-09T12:07:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/24/goon-poster-at-value-walk-site-all-one-needs-to-do-is-read-your-posts-and-see-that-the-vast-majority-of-your-posts-include-complaints-about-what-you-think-of-shiller-bogle-pfau-and-others-you-wa/</loc><lastmod>2015-09-09T12:06:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/25/the-reason-why-people-cannot-stand-to-learn-what-shiller-showed-us-is-that-his-stuff-is-such-a-huge-advance-over-buy-and-hold-that-we-cannot-bear-to-acknowledge-the-mistake-we-made-as-a-society-when/</loc><lastmod>2015-09-11T16:05:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/28/valuation-informed-indexing-264-shillers-findings-revolutionize-our-understanding-of-how-the-economy-works-too/</loc><lastmod>2015-09-15T08:51:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/29/as-of-today-i-honestly-do-not-feel-that-i-have-ever-been-unfairly-harsh-in-my-dealings-with-you-goons-but-i-also-think-that-it-is-possible-that-there-are-things-that-i-just-cannot-see-because-of-m/</loc><lastmod>2015-09-19T10:44:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/30/i-certainly-am-not-going-to-demand-prison-sentences-if-most-others-do-not-see-a-need-for-them/</loc><lastmod>2015-09-21T11:37:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/12/31/lots-of-people-have-a-hard-time-accepting-that-there-is-an-ongoing-cover-up-of-research-that-was-awarded-a-nobel-prize-and-featured-in-a-best-selling-book-i-say-that-there-has-been-a-cover-up-of-sh/</loc><lastmod>2015-09-22T07:27:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/01/goon-poster-to-rob-why-do-you-continue-to-do-what-you-do-clearly-you-are-not-making-any-money/</loc><lastmod>2015-09-22T19:01:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/04/valuation-informed-indexing-265-pe10-permits-us-to-quantify-investor-emotion/</loc><lastmod>2015-09-22T15:13:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/05/goon-poster-to-rob-any-wife-would-be-saddened-by-a-husband-who-is-capable-of-working-but-hasnt-made-a-dime-in-13-years-since-you-acknowledge-that-fact-to-what-extent-if-any-does-it-bother/</loc><lastmod>2015-09-24T19:52:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2015/01/06/valuation-informed-indexing-266-how-a-visit-to-a-dentist-is-like-a-visit-to-an-investing-analyst/</loc><lastmod>2015-09-29T08:58:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/06/goon-poster-to-rob-are-we-to-believe-that-each-and-every-one-of-these-well-respected-people-are-lying-and-that-only-rob-bennett-is-telling-the-truth/</loc><lastmod>2015-09-30T06:39:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/07/shiller-showed-us-that-it-is-primarily-investor-emotion-that-determines-stock-prices-not-economic-developments-so-we-all-need-to-make-a-switch-to-talking-primarily-about-investor-emotion-we-shoul/</loc><lastmod>2015-09-30T09:05:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/08/this-is-a-field-where-people-dont-admit-their-mistakes-the-experts-in-this-field-feel-that-they-need-to-persuade-their-clients-that-they-are-super-human-and-thus-incapable-of-making-mistakes/</loc><lastmod>2016-01-08T16:02:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/11/we-will-all-be-in-a-better-place-when-i-can-go-to-any-discussion-board-or-blog-on-the-internet-and-post-with-100-percent-honesty-and-not-have-any-concern-whatsoever-that-intimidation-tactics-will-b/</loc><lastmod>2015-09-30T13:40:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/12/i-have-raised-the-possibility-of-an-amnesty-for-people-who-have-continued-to-promote-buy-and-hold-because-they-once-truly-believed-in-it-and-who-are-suffering-cognitive-dissonance-re-the-last-34-yea/</loc><lastmod>2016-01-12T10:38:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/13/i-developed-the-ideas-tested-in-the-study-that-i-co-authored-with-wade-pfau-wade-did-great-work-testing-them-and-proving-their-legitimacy-he-never-tried-to-hog-full-credit-for-the-study-he-said-m/</loc><lastmod>2015-09-30T19:21:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/14/wade-pfau-never-wrote-any-words-of-that-nature-until-you-threatened-to-send-defamatory-e-mails-to-his-employer-words-that-are-said-as-the-result-of-intimidation-tactics-dont-count-wade-said-what/</loc><lastmod>2015-09-30T19:43:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/15/most-people-who-agree-with-shiller-hold-back-from-exploring-all-the-implications-of-his-ideas-publicly-thats-why-valuation-informed-indexing-has-only-won-over-20-percent-of-the-population-in-34-y/</loc><lastmod>2015-10-02T06:08:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/18/valuation-informed-indexing-267-take-valuations-seriously-and-you-will-discover-things-that-you-were-not-initially-even-seeking-to-discover/</loc><lastmod>2015-10-07T04:25:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/19/valuation-informed-indexing-268-chase-utleys-dirty-slide-and-robert-shillers-dirty-research/</loc><lastmod>2015-10-13T09:11:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/20/valuation-informed-indexing-269-eight-questions-that-should-be-keeping-buy-and-holders-up-at-night/</loc><lastmod>2015-10-20T09:39:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/21/we-are-seeing-jack-bogles-dream-come-true-before-our-eyes-i-certainly-dont-regret-one-second-of-the-past-13-years-this-is-the-thing-that-i-will-point-to-when-trying-to-explain-to-my-boys-wha/</loc><lastmod>2015-10-20T09:58:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/22/part-of-the-job-is-to-describe-the-pressures-that-caused-so-many-generally-good-and-smart-people-either-to-participate-in-the-cover-up-or-at-the-minimum-tolerate-it-i-post-these-goon-conversation-b/</loc><lastmod>2015-10-20T10:10:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/25/valuation-informed-indexing-270-a-critic-of-valuation-informed-indexing-offers-a-concise-case-for-why-buy-and-hold-is-superior/</loc><lastmod>2015-10-27T12:01:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/26/valuation-informed-indexing-271-a-story-from-my-own-life-that-shows-the-power-of-the-self-deception-that-also-causes-stock-booms-and-crashes/</loc><lastmod>2015-11-03T10:29:41-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/27/i-expect-to-earn-millions-as-a-result-of-the-13-years-of-work-effort-that-i-have-put-into-the-project-of-developing-and-promoting-the-shiller-model-learning-what-it-means-to-say-valuations-affect/</loc><lastmod>2015-11-06T16:03:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/28/the-tobacco-industry-had-a-lot-of-money-riding-on-keeping-people-in-the-dark-about-what-the-research-showed-and-they-used-their-financial-resources-to-do-so-but-word-had-to-get-out-sooner-or-later/</loc><lastmod>2015-11-06T16:11:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/01/29/there-wasnt-much-of-a-computer-electronics-field-to-speak-of-in-1981-so-no-one-felt-threatened-by-the-huge-advances-that-were-achieved-in-1981-buy-and-hold-was-already-in-place-there-were-tho/</loc><lastmod>2016-01-29T07:21:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/01/valuation-informed-indexing-272-bernsteins-revolution-in-the-treatment-of-diabetes-mirrors-shillers-revolution-in-our-understanding-of-how-stock-investing-works/</loc><lastmod>2015-11-10T09:05:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/02/valuation-informed-indexing-273-how-a-visit-to-the-dentist-is-like-a-visit-to-an-investing-analyst/</loc><lastmod>2015-11-17T08:50:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/03/valuation-informed-indexing-274/</loc><lastmod>2015-11-24T17:52:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/04/what-happens-is-that-for-many-years-the-two-strategies-either-perform-equally-or-buy-and-hold-is-actually-superior-to-vii-for-a-time-then-we-see-a-scenario-of-the-type-being-forecast-by-shiller-and/</loc><lastmod>2016-02-04T11:29:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/05/this-was-a-society-wide-mess-up/</loc><lastmod>2015-11-27T06:33:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/08/valuation-informed-indexing-275-saving-and-investing-go-together-like-a-horse-and-carriage/</loc><lastmod>2015-12-01T16:50:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/09/valuation-informed-indexing-276-how-i-rationalized-my-belief-in-buy-and-hold-for-six-years/</loc><lastmod>2015-12-08T09:22:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/10/the-old-school-safe-withdrawal-rate-studies-did-not-contain-valuation-adjustments-lots-of-people-either-did-notice-it-or-could-have-noticed-it-had-they-been-paying-attention-but-i-am-the-one-who-n/</loc><lastmod>2015-12-08T17:09:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/11/valuation-informed-indexing-277-if-we-can-change-smoking-behavior-we-can-change-investing-behavior/</loc><lastmod>2015-12-15T09:12:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/12/the-core-issue-whether-all-boards-and-blogs-are-going-to-begin-permitting-exploration-of-the-implications-of-the-post-1981-research-must-be-addressed-if-it-is-not-there-is-just-going-to-be-m/</loc><lastmod>2015-12-17T16:14:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/15/we-cant-limit-our-discussions-to-what-we-thought-we-knew-to-be-the-reality-prior-to-1981-we-need-to-incorporate-the-new-findings-into-every-conversation-those-giving-voice-to-the-new-understandi/</loc><lastmod>2015-12-17T17:55:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/16/there-is-not-one-school-of-thought-in-the-academic-community-as-to-how-stock-investing-works-there-are-two-every-investor-alive-on-planet-earth-today-needs-to-be-educated-in-both-models-so-that-h/</loc><lastmod>2015-12-17T18:52:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/17/by-keeping-it-zipped-re-the-implications-of-his-research-shiller-gets-the-best-of-both-worlds-he-is-widely-recognized-as-a-genius-which-he-obviously-is-and-yet-the-buy-and-holders-are-okay-with/</loc><lastmod>2017-02-28T18:29:45-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/18/the-three-earlier-crashes-came-before-the-publication-of-peer-reviewed-research-showing-that-there-is-zero-chance-that-a-strategy-not-calling-for-the-exercise-of-price-discipline-long-term-timing/</loc><lastmod>2015-12-18T10:42:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/19/rob-arnott-told-me-in-an-e-mail-that-i-posted-at-this-site-that-he-has-seen-things-similar-to-what-happened-to-wade-pfau-he-has-seen-academic-researchers-told-that-their-careers-would-be-destroyed/</loc><lastmod>2015-12-18T15:35:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/22/buy-and-hold-advocate-to-rob-there-is-zero-need-for-market-timing-any-investor-can-just-use-a-buy-and-hold-and-rebalance-strategy-tied-to-systematic-investing-that-takes-very-little-effort-and-tim/</loc><lastmod>2015-12-19T12:38:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/23/you-are-not-the-only-buy-and-holder-who-lacks-confidence-they-all-do-not-all-buy-and-holders-threaten-to-kill-the-family-members-of-those-who-disagree-with-them-and-insist-on-their-right-to-post-h/</loc><lastmod>2015-12-21T17:36:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/24/valuation-informed-indexing-278-our-investing-biases-are-particularly-dangerous-because-they-are-time-based-rather-than-phenomenon-based/</loc><lastmod>2015-12-22T10:21:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/25/you-are-adding-a-layer-of-complexity-when-you-start-worrying-about-interest-rates-it-is-not-necessary-you-dont-have-to-consider-interest-rates-to-lock-in-that-6-5-percent-real-return-and-there/</loc><lastmod>2015-12-22T21:27:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/26/money-being-held-in-stock-form-is-massively-overpriced-today-lots-of-people-want-to-move-their-money-from-stocks-to-more-appealing-asset-classes-there-are-political-reasons-why-the-fed-does-not-wa/</loc><lastmod>2015-12-22T21:37:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/02/29/valuation-informed-indexing-279-where-does-the-money-come-from-to-support-the-higher-returns-enjoyed-by-valuation-informed-indexers/</loc><lastmod>2015-12-30T10:07:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/01/i-am-building-on-bogles-work-bogle-hates-the-idea-of-someone-building-on-his-work-changing-it-and-bringing-it-up-to-date-and-thereby-improving-it-i-dont-just-want-to-show-people-how-dangerous/</loc><lastmod>2015-12-30T10:24:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/02/goon-poster-to-rob-warm-wishes-how-does-that-align-with-your-comments-about-prison-sentences-bernie-madoff-comments-made-up-death-threats-goons-500-million-settlements-and-all-those-other-sil/</loc><lastmod>2015-12-31T08:27:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/03/the-answer-is-for-advocates-of-both-models-to-tell-people-that-there-are-two-models-and-that-the-numbers-they-favor-are-the-ones-supported-by-their-model-and-that-their-readers-need-to-know-that-the/</loc><lastmod>2016-01-01T07:49:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/04/i-believe-that-this-story-is-going-to-lead-to-legislative-changes-that-will-limit-the-ability-of-you-goons-to-ruin-sites-and-to-ruin-peoples-reputations-and-to-intimidate-good-people-into-not-post/</loc><lastmod>2016-01-01T17:07:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/07/i-didnt-know-about-the-cover-up-of-the-error-in-the-buy-and-hold-strategy-that-shiller-revealed-in-his-research-from-1981-the-error-is-the-idea-that-long-term-timing-price-discipline-might-not/</loc><lastmod>2016-01-01T18:11:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/08/goon-poster-quoting-rob-in-2013-and-2015-then-2013-the-entire-historical-record-indicates-that-we-should-see-the-crash-by-the-end-of-2015-now-the-data-says-that-we-should-see-it-by-t/</loc><lastmod>2016-01-02T19:13:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/09/valuation-informed-indexing-280-its-not-possible-for-a-new-understanding-of-how-stock-investing-works-to-become-popular-until-people-lose-confidence-in-the-old-understanding/</loc><lastmod>2016-01-05T16:31:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/10/if-michael-kitces-tried-being-fully-honest-i-would-back-him-up-and-if-michael-and-i-were-both-fully-honest-wade-pfau-would-join-us-then-rob-arnott-would-sign-up-then-shiller-then-bogle-and-o/</loc><lastmod>2016-01-05T17:33:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/11/the-thing-that-i-loved-about-buy-and-hold-in-the-days-when-i-carried-around-a-membership-card-in-my-wallet-was-that-buy-and-hold-was-the-only-strategy-rooted-in-the-scientific-method-and-the-scienti/</loc><lastmod>2016-01-05T17:30:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/14/i-watched-a-movie-monday-night-compliance-that-shows-how-such-conspiracies-really-do-happen-in-this-world-when-authority-figures-say-something-and-ordinary-people-feel-intimidated-into-no/</loc><lastmod>2016-01-06T02:58:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/15/shiller-did-something-huge-he-changed-the-history-of-investing-analysis-but-if-i-may-say-so-i-think-that-i-am-in-the-process-of-doing-something-equally-huge-shillers-findings-dont-really-do/</loc><lastmod>2016-01-07T18:22:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/16/valuation-informed-indexing-281-twelve-claims-made-in-irrational-exuberance-that-should-be-explored-in-book-length-examinations-part-one/</loc><lastmod>2016-01-13T02:21:41-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/17/i-obviously-hope-you-fail-re-the-abusive-stuff-but-i-have-no-reason-not-to-extend-my-best-wishes-to-you-there-is-zero-that-is-personal-about-this-from-my-end-of-things-i-love-how-our-system-of-go/</loc><lastmod>2016-01-13T02:30:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/18/i-have-been-banned-at-at-least-20-different-sites-that-is-a-significant-fact-everyone-trying-to-figure-out-what-is-going-on-here-needs-to-know-that-fact-and-to-try-to-make-sense-of-it-it-could-be/</loc><lastmod>2016-01-13T08:09:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/21/rob-on-day-four-of-the-great-debate-i-finally-finally-get-it-i-am-deeply-sorry-for-falsely-criticizing-the-study-and-for-wasting-so-much-of-the-boards-time-on-this-issue-the-only-possible-savi/</loc><lastmod>2016-01-14T14:53:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/22/buy-and-hold-goon-to-rob-even-if-there-is-a-crash-no-one-will-believe-your-story-about-buy-and-hold-being-the-cause-crashes-always-get-blamed-on-some-kind-of-economic-event/</loc><lastmod>2016-01-15T17:17:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/23/michael-kitces-posts-an-important-article-confirming-several-of-john-walter-russells-breakthrough-insights-from-his-days-at-the-safe-withdrawal-rate-research-group-board/</loc><lastmod>2016-01-18T18:59:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/24/rob-to-michael-kitces-the-other-big-issue-here-is-why-do-things-go-as-you-properly-state-they-do-why-do-high-valuations-predict-different-things-in-10-years-and-in-30-years-this-is-just-what-we/</loc><lastmod>2016-01-18T19:08:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/25/i-believe-this-is-just-speculation-however-that-shiller-may-have-already-written-a-sequel-to-irrational-exuberance-in-which-he-explores-in-depth-the-implications-of-his-revolutionary-his-wor/</loc><lastmod>2016-01-18T19:29:54-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/28/this-is-exactly-what-you-would-expect-to-see-if-shiller-is-right-and-bogle-is-wrong-these-sorts-of-results-are-logical-impossibilities-in-a-world-in-which-the-market-is-efficient-the-only-way-we-c/</loc><lastmod>2016-01-18T19:36:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/29/i-believe-that-the-buy-and-holders-are-afraid-that-they-got-it-wrong-now-they-want-to-avoid-the-debate-because-they-feel-that-the-cover-up-has-gone-on-so-long-and-it-will-look-bad-for-them-if-the-d/</loc><lastmod>2016-01-19T08:45:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/30/12425/</loc><lastmod>2016-01-19T08:58:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/03/31/there-are-lines-you-cant-intimidate-others-into-not-stating-their-sincere-views-i-have-talked-to-many-academic-researchers-who-feel-intimidated-i-have-talked-to-many-journalists-who-feel-intimi/</loc><lastmod>2016-01-19T11:21:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/01/if-i-had-never-been-banned-at-the-various-financial-boards-i-would-be-getting-feedback-from-all-of-the-experts-in-this-field-and-i-would-be-able-to-use-that-feedback-to-sharpen-my-thoughts-and-my-w/</loc><lastmod>2016-01-24T08:18:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/04/i-care-about-the-people-who-read-my-stuff-i-am-incapable-of-lying-to-them/</loc><lastmod>2016-01-24T10:30:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/05/valuation-informed-indexing-283-simple-investing-strategies-cannot-remain-entirely-simple-for-long/</loc><lastmod>2016-01-26T09:10:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/06/shiller-wants-to-tell-the-truth-about-what-the-last-34-years-of-peer-reviewed-research-shows-so-does-bogle-so-does-pfau-so-does-kitces-for-that-matter-so-does-lindauer-and-so-does-greaney-we-a/</loc><lastmod>2016-02-04T06:10:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/07/valuation-informed-indexing-284-michael-kitces-writes-an-article-showing-that-in-the-very-long-term-the-effect-of-valuations-diminishes/</loc><lastmod>2016-02-02T12:53:16-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/08/michael-kitces-and-i-are-friends-you-are-right-though-that-he-keeps-his-distance-from-me-i-am-controversial-i-shouldnt-be-everything-that-i-say-just-follows-naturally-from-shillers-198/</loc><lastmod>2016-02-04T10:59:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/11/i-knew-that-greaneys-study-got-the-numbers-wrong-and-yet-i-encouraged-my-friends-to-use-this-dangerous-study-to-plan-their-retirements-i-was-a-liar-i-wanted-to-be-popular/</loc><lastmod>2016-02-04T11:07:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/12/its-not-hard-to-figure-out-why-michael-kitces-would-be-happy-to-point-out-that-the-safe-withdrawal-rate-changes-in-one-direction-because-of-valuations-but-not-in-the-other-thats-just-good-marke/</loc><lastmod>2016-02-04T11:17:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/13/everyone-who-works-in-this-field-has-been-intimidated-into-not-challenging-buy-and-hold-to-the-extent-they-would-if-they-felt-free-to-post-their-sincere-beliefs-i-dont-want-to-be-intimidated-i-c/</loc><lastmod>2016-02-05T04:50:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/14/valuation-informed-indexing-285-the-why-behind-michael-kitces-strange-finding-that-high-valuations-point-to-low-returns-only-for-a-time-and-then-to-higher-than-normal-returns/</loc><lastmod>2016-02-12T10:46:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/15/buy-and-holder-to-rob-the-stock-market-continues-to-drop-and-it-is-being-blamed-on-the-drop-in-oil-the-slowdown-in-china-and-the-change-in-interest-rates-for-your-plan-to-work-the-blame-needs-to/</loc><lastmod>2016-04-18T15:38:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/18/buy-and-holder-to-rob-you-are-too-much-dude-tell-me-rob-does-anything-other-than-buy-and-hold-ever-influence-the-price-of-things/</loc><lastmod>2016-02-12T11:18:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/19/buy-and-holder-to-rob-it-seems-there-is-a-catch-22-here-i-thought-the-crash-was-supposed-to-bring-awareness-of-the-dangers-of-buy-and-hold-so-that-you-could-educate-everyone-however-it-seems-tha/</loc><lastmod>2016-02-12T11:26:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/20/buy-and-holder-to-rob-i-think-you-have-rationalized-many-things-in-the-last-two-decades/</loc><lastmod>2016-02-12T11:31:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/22/buy-and-hold-goon-to-rob-prior-to-getting-kicked-off-the-boards-you-would-fill-up-every-thread-with-what-you-say-are-the-new-findings-regardless-of-the-topic-or-the-opinions-of-others-people/</loc><lastmod>2016-02-16T09:14:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/21/you-only-get-one-chance-at-this-game-a-bull-bear-cycle-can-take-35-or-40-years-to-play-out-if-you-start-investing-at-age-25-you-might-not-see-the-bad-side-of-buy-and-hold-until-you-turn-65-then/</loc><lastmod>2016-02-24T07:04:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/25/what-makes-someone-a-valuation-informed-indexer-is-that-he-believes-that-it-is-possible-to-use-the-historical-return-data-to-inform-ones-decisions-as-to-how-much-to-change-ones-stock-allocation/</loc><lastmod>2016-02-25T14:54:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/26/i-am-trying-to-make-it-hard-for-anyone-to-earn-a-buck-advocating-buy-and-hold-hence-the-bans/</loc><lastmod>2016-02-25T15:08:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/27/i-would-like-to-see-jacob-wolinsky-the-owner-of-the-valuewalk-com-site-post-an-article-in-his-own-name-saying-that-he-has-witnessed-the-tactics-of-you-goons-and-is-appalled-by-them-he-knows-about/</loc><lastmod>2016-02-27T05:55:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/28/if-jacob-wolinsky-the-owner-of-the-valuewalk-com-site-ignores-my-responses-letting-people-know-about-criminal-activity-he-could-be-sued-for-doing-so-the-lawsuits-would-lack-merit-but-lawsuits-c/</loc><lastmod>2016-02-27T10:23:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/04/29/valuation-informed-indexing-286-why-do-stock-buyers-applaud-price-increases/</loc><lastmod>2016-03-02T11:02:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/02/we-want-to-see-the-same-ethical-standards-that-apply-in-every-other-field-of-human-endeavor-coming-to-apply-in-the-investing-advice-field-as-well/</loc><lastmod>2016-03-04T12:46:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/03/we-need-to-have-the-34-year-cover-up-written-up-on-the-front-page-of-the-new-york-times/</loc><lastmod>2016-03-04T13:05:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/04/we-all-make-mistakes-we-depend-on-our-friends-to-set-us-straight-when-acknowledging-a-mistake-becomes-too-painful-for-us-we-have-failed-jack-bogle-too-many-of-us-wanted-to-make-a-buck-by-winning/</loc><lastmod>2016-03-04T13:11:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/05/rob-arnott-told-me-that-he-has-seen-academic-researchers-trying-to-do-important-work-on-valuation-informed-indexing-threatened-with-career-destruction-if-they-make-the-buy-and-holders-look-bad/</loc><lastmod>2016-03-04T13:19:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/06/if-i-were-willing-to-sell-out-my-friends-in-the-way-that-i-would-need-to-be-willing-to-sell-out-my-friends-to-do-what-you-suggest-i-do-i-wouldnt-have-the-power-to-produce-the-kind-of-work/</loc><lastmod>2016-03-05T03:49:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/09/valuation-informed-indexing-287-the-statistical-support-for-long-term-return-regimes-is-compelling/</loc><lastmod>2016-03-08T07:53:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/10/the-goons-always-proceed-with-bad-intent-but-that-doesnt-mean-that-they-never-ask-questions-that-deserve-answers-they-have-asked-good-questions-on-many-many-occasions/</loc><lastmod>2016-03-22T10:43:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/11/valuation-informed-indexing-288-recent-research-argues-that-the-stock-crash-of-2008-caused-the-recession-but-shiller-disagrees/</loc><lastmod>2016-03-22T10:50:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/12/the-buy-and-holders-have-given-up-the-effort-to-make-a-rational-case-for-their-beliefs-they-are-almost-always-either-abusive-or-silent-its-terribly-sad/</loc><lastmod>2016-03-28T16:38:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/13/valuation-informed-indexing-289-is-it-possible-that-the-4-percent-rule-still-applies-even-though-the-safe-withdrawal-rate-varies-with-changes-in-valuations/</loc><lastmod>2016-03-29T07:48:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/16/todd-tresidder-at-the-financial-mentor-site-and-i-talked-this-over-at-one-of-the-fincon-meetings-he-said-that-he-liked-it-that-he-had-so-little-competition-because-people-are-afraid-of-what-the-buy/</loc><lastmod>2016-04-02T17:08:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/17/valuation-informed-indexing-290-if-buy-and-hold-were-dangerous-how-would-you-expect-buy-and-holders-to-respond-to-challenges-to-their-ideas/</loc><lastmod>2016-04-05T14:18:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/18/buy-and-hold-goon-to-rob-many-processes-and-systems-can-best-be-managed-not-by-chasing-the-spikes-or-the-noise-or-the-most-recent-temporary-excursion-but-by-thoughtfully-paying/</loc><lastmod>2016-04-07T04:00:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/19/valuation-informed-indexing-291-bull-markets-increase-the-odds-of-two-outcomes-very-high-return-years-and-very-low-return-years/</loc><lastmod>2016-04-12T16:14:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/20/when-something-is-as-important-as-how-we-go-about-investing-for-retirement-we-cannot-bear-the-pain-of-coming-to-realize-that-for-a-long-time-we-have-been-getting-it-very-very-wrong/</loc><lastmod>2016-04-15T17:04:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/23/valuation-informed-indexing-292-our-political-beliefs-inform-what-we-see-in-the-investing-research/</loc><lastmod>2016-05-12T08:11:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/24/valuation-informed-indexing-294-shiller-was-warned-not-to-tell-the-truth-about-the-stock-market-and-we-all-heard-the-message/</loc><lastmod>2016-05-12T17:33:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/25/valuation-informed-indexing-295-buy-and-holders-predict-future-returns-every-day-while-claimingthat-predictions-dont-work/</loc><lastmod>2016-05-12T17:37:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/26/buy-and-hold-goon-to-rob-145-years-is-too-short-to-be-making-these-kind-of-conclusions-far-too-short/</loc><lastmod>2016-05-12T17:42:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/27/we-all-need-to-encourage-each-and-every-person-looking-at-this-stuff-to-say-exactly-what-he-or-she-believes-no-one-who-is-not-being-candid-is-helping-we-help-by-contributing-our-own-perspectives-a/</loc><lastmod>2016-05-12T17:50:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/30/you-have-to-understand-cognitive-dissonance-to-make-sense-of-investing-today-its-hard-to-acknowledge-a-mistake-that-has-been-doing-damage-to-millions-for-35-years/</loc><lastmod>2016-05-12T17:56:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/05/31/valuation-informed-indexing-296-we-have-seen-a-four-year-return-of-127-percent-followed-by-a-16-year-return-of-29-percent-but-thats-not-possible/</loc><lastmod>2016-05-19T17:29:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/01/valuation-informed-indexing-297-the-retirement-risk-evaluator-is-the-first-safe-withdrawal-rate-calculator-that-contains-a-valuations-adjustment/</loc><lastmod>2016-05-24T08:28:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/03/wade-pfau-commented-on-my-blog-entry-for-yesterday-the-core-difficulty-with-this-one-is-not-that-people-are-deceiving-others-what-makes-this-one-so-special-is-that-people-are-putting-so-much-en/</loc><lastmod>2016-06-03T12:26:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/06/the-people-at-zero-hedge-are-100-percent-open-to-accepting-that-valuations-matter-but-they-tend-to-be-on-the-doom-and-gloom-side-their-comments-tend-to-be-laced-with-cynicism-my-work-is-aimed-at/</loc><lastmod>2016-05-29T19:22:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/07/rob-to-owner-of-the-out-of-your-rut-blog-do-you-know-from-your-conversations-with-other-bloggers-what-they-are-afraid-of-it-seems-to-be-that-if-there-were-10-of-us-who-stuck-together-the-goons-wo/</loc><lastmod>2016-06-07T07:36:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/08/owner-of-the-out-of-your-rut-blog-to-rob-i-think-apathy-more-than-anything-is-keeping-other-bloggers-from-seeing-the-light-you-may-want-to-back-down-until-the-worm-turns-it-will-and-then-people/</loc><lastmod>2016-05-30T15:38:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/09/these-people-did-not-wake-up-one-morning-thinking-gee-wouldnt-it-be-nice-if-i-could-come-up-with-a-way-to-bring-the-u-s-economy-to-its-knees-they-live-in-the-u-s-economy-they-want-it-to-s/</loc><lastmod>2016-05-30T15:55:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/10/if-we-can-get-a-small-group-of-independent-bloggers-writing-about-these-ideas-they-will-spread-lots-of-the-big-names-in-this-field-want-to-feel-free-to-tell-their-clients-what-really-works-but-th/</loc><lastmod>2016-05-30T16:13:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/02/12638/</loc><lastmod>2016-06-02T09:15:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/13/valuation-informed-indexing-299-shiller-showed-that-valuations-matter-the-return-predictor-shows-how-much-they-matter/</loc><lastmod>2016-06-07T15:01:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/14/i-dont-have-the-same-level-of-fight-in-me-that-i-had-in-me-14-years-ago-i-have-taken-a-huge-emotional-hit-in-other-circumstances-i-would-be-ashamed-in-these-circumstances-i-am-going-to-give-m/</loc><lastmod>2016-06-07T15:44:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/16/jeff-at-the-sustainable-life-blog-to-rob-how-nice-it-was-meeting-you-at-fincon-in-st-louis-i-remember-that-we-chatted-a-bit-about-you-being-the-most-hated-guy-on-investing-forums-and-about-you-br/</loc><lastmod>2016-06-07T16:38:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/17/sam-parler-to-rob-for-the-first-time-i-am-witnessing-in-a-non-bear-discussion-group-the-idea-of-pulling-in-the-reins-and-lightening-up-on-stock-allocation/</loc><lastmod>2016-06-17T08:54:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/15/valuation-informed-indexing-300-the-bad-side-of-bull-markets/</loc><lastmod>2016-06-14T16:41:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/20/any-suggestion-to-compare-portfolio-results-of-buy-and-holders-and-valuation-informed-indexers-begs-the-core-question-of-whether-valuations-matter-or-not-if-you-adjust-for-valuations-you-get-a-res/</loc><lastmod>2016-06-14T16:51:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/21/i-tell-people-all-the-time-that-i-could-be-wrong-that-i-have-been-wrong-before-and-that-if-it-were-happening-again-i-would-in-all-likelihood-be-the-last-to-know-have-you-ever-heard-jack-bogle-s/</loc><lastmod>2016-06-14T16:58:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/22/shillers-book-was-a-best-seller-there-have-to-be-hundreds-of-thousands-of-people-who-have-read-it-and-find-value-in-it-so-at-the-starting-point-there-is-zero-problem-getting-people-interested-in/</loc><lastmod>2016-06-14T17:21:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/23/my-own-wife-faults-me-for-using-the-term-goons-i-dedicated-my-life-to-this-woman-and-she-has-dedicated-her-life-to-me-but-every-now-and-again-she-feels-the-need-to-get-in-a-littl/</loc><lastmod>2016-06-14T18:45:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/24/we-are-living-in-a-strange-twilight-zone-time-period-where-for-the-first-time-in-history-we-know-how-to-reduce-the-risk-of-stock-investing-dramatically-but-in-which-we-dont-tell-people-about-it-be/</loc><lastmod>2016-06-15T12:06:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/27/jakeeconompic-to-rob-came-across-your-philosophy-interesting/</loc><lastmod>2016-06-15T15:59:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/28/jacob-walker-to-rob-im-publicly-retracting-my-first-blog-post-i-try-to-be-an-open-minded-skeptic-and-i-clearly-made-a-false-positive-mistake-in-being-too-skeptical-this-morning/</loc><lastmod>2016-06-15T16:37:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/29/robs-e-mail-to-danielle-citron-a-law-professor-who-wrote-a-new-york-times-article-on-revenge-porn/</loc><lastmod>2016-06-15T16:48:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/06/30/jeff-at-the-sustainable-life-blog-liked-talking-to-me-but-i-am-not-the-only-person-that-jeff-liked-talking-to-90-percent-of-the-people-he-liked-talking-to-have-blogs-where-they-have-posted-positiv/</loc><lastmod>2016-06-17T17:20:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/01/it-may-not-happen-by-the-close-of-business-today-it-is-even-theoretically-possible-that-it-will-not-happen-by-the-close-of-business-tomorrow-what-comes-next-after-tomorrow-comes-the-day-after-tom/</loc><lastmod>2016-06-17T17:29:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/05/i-want-valuation-informed-indexing-to-become-more-popular-i-dont-think-it-should-have-taken-35-years-for-these-ideas-to-catch-on-the-concept-would-become-more-popular-if-people-would-be/</loc><lastmod>2016-06-19T18:44:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/07/valuation-informed-indexing-301-most-investing-strategies-perform-differently-over-different-time-periods/</loc><lastmod>2016-07-04T18:40:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/08/valuation-informed-indexing-302-it-can-take-20-years-for-sound-long-term-investing-strategies-to-pay-off/</loc><lastmod>2016-07-04T18:53:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/06/valuation-informed-indexing-303-its-a-mistake-to-avoid-the-risk-of-stocks-but-its-also-a-mistake-to-fail-to-temper-that-risk-by-exercising-price-discipline/</loc><lastmod>2016-07-06T08:49:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/11/buy-and-hold-goon-to-rob-when-you-are-commonly-banned-on-the-boards-it-should-be-a-wake-up-call-that-you-are-doing-something-wrong/</loc><lastmod>2016-07-08T12:18:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/12/buy-and-hold-goon-to-rob-what-circumstance-would-finally-lead-you-to-conclude-that-you-in-fact-are-wrong/</loc><lastmod>2016-07-08T14:00:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/13/price-discipline-is-the-key-to-success-in-every-market-that-has-ever-existed-it-is-the-buy-and-holders-who-are-making-the-extraordinary-and-frankly-preposterous-claim-that-the-stock-market-is-th/</loc><lastmod>2016-07-08T14:26:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/14/jaime-tardy-to-rob-what-is-the-number-one-objection-from-the-average-person-not-one-of-the-haters/</loc><lastmod>2016-07-14T09:48:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/15/i-am-informal-but-i-am-hard-working-i-see-myself-as-an-advocate-of-the-average-middle-class-person-my-writing-certainly-conveys-idealism-i-very-much-want-to-convey-friendliness-which-is-naturall/</loc><lastmod>2016-07-15T08:45:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/18/jaime-tardy-to-rob-i-think-there-is-a-disconnect-between-your-site-and-you-you-are-very-friendly-and-approachable-and-almost-unbiased-even-though-you-may-have-a-bent-of-course-but-i-dont-get/</loc><lastmod>2016-07-10T20:13:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/19/the-main-goal-is-to-remove-the-social-stigma-that-stops-people-from-talking-about-the-implications-of-shillers-findings-i-will-know-that-i-have-won-when-i-can-wake-up-in-the-morning-and-post-at-a/</loc><lastmod>2016-07-10T20:38:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/20/the-lead-goons-meet-here-each-day-they-are-supported-implicitly-by-jack-bogle-and-many-other-big-names-in-the-field-they-have-never-been-banned-from-any-major-site-no-matter-how-abusive-their-ta/</loc><lastmod>2016-07-20T20:19:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/21/jaime-tardy-to-rob-i-would-challenge-you-to-forget-the-past-on-all-this-because-everything-comes-back-to-the-negativity-and-talking-about-your-story-i-dont-think-we-should-focus-on-that-at-all/</loc><lastmod>2016-07-10T20:51:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/07/22/but-i-am-more-inclined-to-playing-up-the-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tmod>2016-07-23T19:11:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/16/this-is-investing-stuff-it-should-never-have-gotten-personal-on-either-side-the-fact-that-the-buy-and-holders-take-any-mention-of-the-last-35-years-of-peer-reviewed-research-in-this-field-so-perso/</loc><lastmod>2016-07-23T19:36:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/17/i-love-my-country-because-my-country-has-always-been-a-place-where-we-move-forward-over-time-where-we-learn-from-the-past-rather-than-push-it-down-the-memory-hole-and-forget-it-part-of-the-messag/</loc><lastmod>2016-07-23T19:48:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/19/valuation-informed-indexing-306-nine-rules-for-exercising-price-discipline-when-buying-stocks-part-three/</loc><lastmod>2016-07-26T09:29:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/22/if-shiller-is-right-then-the-real-value-of-every-stock-portfolio-is-about-half-of-its-nominal-value-people-hate-hearing-that-they-hate-it-hate-it-hate-it-hate-it-hate-it-everybody-hates-it/</loc><lastmod>2016-07-26T11:39:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/23/buy-and-hold-goon-to-rob-doesnt-it-come-down-to-perception-you-dont-feel-you-were-bitter-but-they-do-as-they-say-you-must-know-your-audience-your-intentions-dont-matter-as-it-is-opinions/</loc><lastmod>2016-07-26T11:56:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/24/i-am-telling-you-what-i-believe-will-happen-i-am-not-telling-you-what-i-want-to-see-happen-or-what-i-will-push-to-see-happen-if-anything-i-intend-to-play-it-the-other-way-i-intend-to-put-forward/</loc><lastmod>2016-07-26T12:11:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/25/we-all-should-be-disappointed-in-ourselves-every-last-one-of-us-thats-one-of-the-arguments-that-i-will-be-advancing-on-behalf-of-you-goons-you-couldnt-do-what-you-have-done-with/</loc><lastmod>2016-07-26T14:59:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/26/the-data-doesnt-need-to-make-you-happy-so-that-you-will-hire-it-and-pay-you-money-the-data-is-objective-the-data-isnt-trying-to-be-popular-the-data-isnt-compromised-in/</loc><lastmod>2016-07-27T04:30:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/29/i-of-course-have-sympathy-for-the-fact-that-wade-pfau-has-kids-to-feed-and-he-fears-the-consequences-of-behaving-in-a-fully-honest-manner-re-these-questions-but-there-are-responsibilities-attached/</loc><lastmod>2016-07-27T10:03:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/30/the-mistake-that-the-buy-and-holders-make-is-that-they-fail-to-adjust-for-valuations-if-you-adjust-for-valuations-you-find-that-i-am-ahead-of-the-buy-and-holders-if-you-fail-to-adjust-for-valuati/</loc><lastmod>2016-07-27T16:31:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/08/31/buy-and-hold-numbers-are-fantasy-pretend-numbers-valuation-informed-indexing-numbers-are-real-numbers-millions-of-words-have-been-spilled-and-it-all-comes-down-to-this-valuation-informed-index/</loc><lastmod>2016-07-27T16:56:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/01/its-a-human-weakness-we-all-have-a-get-rich-quick-urge-residing-within-us-the-buy-and-hold-model-exploits-our-get-rich-quick-urge-to-the-greatest-possible-extent-for-the-purpose-of-taking-money/</loc><lastmod>2016-07-27T17:12:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/02/if-we-are-still-at-very-high-valuation-levels-10-years-from-now-then-yes-i-certainly-believe-that-that-would-be-cause-for-me-to-pull-back-on-the-strength-of-my-endorsement-of-valuation-informed-i/</loc><lastmod>2016-07-28T16:48:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/05/i-use-terms-like-goons-because-as-a-journalist-i-need-to-tell-this-story-in-a-fair-and-complete-way-and-the-goonish-behavior-that-inevitably-follows-from-any-criticism-of-the-buy/</loc><lastmod>2016-07-28T17:07:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/06/rob-bennett-on-the-valuation-informed-indexing-strategy-that-he-developed-and-that-he-has-promoted-on-the-internet-for-14-years-at-great-cost-to-his-reputation-and-his-popularity-and-his-bank-account/</loc><lastmod>2016-07-29T12:38:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/07/yes-people-struggled-on-somehow-even-in-the-dark-ages-but-we-are-moving-on-most-of-us-love-the-idea-of-avoiding-the-recessions-and-depressions-that-have-given-capitalism-a-bad-name-in-the-minds-o/</loc><lastmod>2016-07-30T08:40:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/08/rob-to-one-of-the-buy-and-hold-goons-when-i-win-one-time-i-win-forever-when-you-lose-one-time-you-lose-forever/</loc><lastmod>2016-08-01T11:26:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/09/price-discipline-is-accepted-as-critical-in-every-market-that-exists-other-than-the-stock-market-if-it-turns-out-that-the-buy-and-holders-are-right-that-price-discipline-is-not-essential-in-the-sto/</loc><lastmod>2016-08-01T16:26:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/12/did-someone-once-suggest-that-i-spoke-with-lawyers-and-put-together-a-strategy-for-proceeding-back-in-the-early-days-or-did-i-just-imagine-that/</loc><lastmod>2016-08-01T16:35:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/13/the-last-35-years-of-peer-reviewed-research-is-the-most-important-35-years-of-peer-reviewed-research-in-the-history-of-investing-analysis-we-are-all-missing-out-big-time-by-not-permitting-ourselves/</loc><lastmod>2016-09-13T12:25:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/14/buy-and-hold-goon-to-rob-it-looks-like-you-need-an-academic-guy-or-some-expert-to-be-your-spokesperson-does-anyone-come-to-mind/</loc><lastmod>2016-08-02T10:36:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/15/wade-pfau-is-the-only-person-who-has-contacted-the-authors-of-the-trinity-study-the-study-that-was-primarily-responsible-for-the-once-widespread-belief-in-the-4-percent-rule-pointing-out-the-n/</loc><lastmod>2016-08-02T10:58:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/16/it-wouldnt-be-so-bad-if-we-had-the-buy-and-holders-pushing-the-fries-and-shakes-that-give-people-early-heart-attacks-but-that-sell-like-crazy-while-the-valuation-informed-indexers-were-pushing-the/</loc><lastmod>2016-08-02T17:37:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/19/i-told-my-boys-that-this-was-the-bible-and-that-it-was-the-word-of-god-and-that-they-needed-to-learn-its-lessons-to-live-their-lives-properly-and-i-added-but-your-dad-would-never-do-that/</loc><lastmod>2016-08-03T11:29:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/20/i-have-caused-my-wife-pain-i-have-caused-my-boys-pain-i-hate-the-idea-i-hate-it-hate-it-hate-it-just-as-much-as-abraham-hated-driving-a-stake-through-his-boys-heart-but-abraham-did-w/</loc><lastmod>2016-09-20T10:40:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/21/this-requires-looking-at-things-that-no-one-in-this-field-has-ever-looked-at-before-most-investment-advisors-dont-bother-to-spend-much-time-studying-psychology-texts-or-listening-to-songs/</loc><lastmod>2016-08-05T08:12:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/22/shiller-doesnt-spell-things-out-the-way-i-do-i-agree-with-that-much-i-spell-things-out-in-much-greater-detail-and-with-much-more-clarity-and-detail-i-say-things-that-shiller-has-never-sa/</loc><lastmod>2016-09-22T08:27:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/23/valuation-informed-indexing-307-whos-afraid-to-know-the-true-safe-withdrawal-rate/</loc><lastmod>2016-08-09T16:05:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/26/intimidation-tactics-work-until-they-dont-since-it-became-clear-that-ailes-was-finished-we-have-seen-story-after-story-after-story-come-out-no-one-fears-the-guy-too-much-today-each-n/</loc><lastmod>2016-08-09T16:17:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/27/we-are-living-in-a-day-when-two-of-the-brightest-lights-in-the-field-eugene-fama-and-robert-shiller-who-both-have-been-awarded-nobel-prizes-for-their-work-have-come-to-100-percent-opposite-conclu/</loc><lastmod>2016-08-11T12:38:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/28/in-the-event-that-the-thread-has-been-doctored-surprise-surprise-i-have-a-copy-of-the-complete-thread-in-my-files-so-i-will-be-able-to-provide-the-words-that-appeared-before-the-thread-was-doc/</loc><lastmod>2016-08-11T13:02:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/29/valuation-informed-indexing-308-its-worth-examining-how-numerous-allocation-options-are-likely-to-perform-over-numerous-time-periods/</loc><lastmod>2016-08-17T16:46:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/09/30/buy-and-hold-goon-to-rob-i-guess-my-vanguard-fidelity-and-schwab-statements-must-be-full-of-lies/</loc><lastmod>2016-08-17T17:33:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/03/buy-and-hold-goon-to-rob-you-are-now-close-to-60-and-getting-a-real-job-instead-of-trolling-the-internet-will-be-very-difficult-bogle-and-his-followers-have-had-successful-strategies-your-fa/</loc><lastmod>2016-08-18T12:14:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/04/when-prices-are-insanely-high-buy-and-holders-tell-themselves-that-oh-price-doesnt-really-signify-anything-of-importance-the-value-proposition-of-stocks-is-always-the-same/</loc><lastmod>2016-08-19T09:49:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/05/valuation-informed-indexing-309-the-value-proposition-of-stocks-changes-by-a-factor-of-three-as-valuations-move-from-low-to-high-levels/</loc><lastmod>2016-08-24T17:12:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/06/there-are-hundreds-of-thousands-of-people-who-make-their-living-giving-investing-advice-when-a-fundamental-advance-is-achieved-they-are-put-in-a-tough-spot-it-makes-them-look-bad-to-acknowled/</loc><lastmod>2016-10-06T07:28:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/07/my-aim-over-the-next-year-or-two-is-to-shift-my-energies-away-from-investing-sites-to-political-sites-and-to-social-media-in-general-in-an-effort-to-explain-to-those-outside-of-the-industry-how-this/</loc><lastmod>2016-08-24T17:35:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/10/wade-pfau-has-two-small-children-to-support-thats-why-he-felt-that-he-could-not-stand-up-to-bogle-and-his-various-internet-goon-squads-we-are-going-to-need-to-create-communities-of-people/</loc><lastmod>2016-08-24T17:48:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/11/michael-kitces-does-not-ever-address-the-financial-fraud-matter-in-clear-and-firm-and-simple-and-bold-language-everyone-in-the-field-tiptoes-around-it-freakin-robert-shiller-tiptoes-aroun/</loc><lastmod>2016-08-27T05:21:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/12/my-job-is-to-keep-things-from-getting-out-of-control-that-means-helping-people-to-understand-the-pressures-and-fears-that-drove-you-goons-to-do-what-you-did-my-hope-is-that-clear-thinking-people-w/</loc><lastmod>2016-08-27T18:00:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/13/i-am-saying-that-the-experts-are-wrong-because-they-cater-to-millions-of-investors-who-are-wrong-and-who-on-some-level-of-consciousness-know-that-they-are-wrong-and-yet-want-to-be-assured-that-they/</loc><lastmod>2016-08-29T18:55:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/14/valuation-informed-indexing-310-once-there-is-a-bubble-its-too-late-to-do-anything-about-it/</loc><lastmod>2016-08-30T07:42:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/17/buy-and-hold-goon-to-rob-something-totally-unrelated-has-just-happened-in-my-life-that-made-it-clear-how-petty-it-has-been-to-hold-a-running-anonymous-argument-with-someone-on-the-internet-for-a-de/</loc><lastmod>2016-08-31T11:39:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/18/i-view-it-as-a-national-tragedy-that-as-an-entire-society-advances-in-our-understanding-of-the-realities-of-stock-investing-have-been-delayed-for-35-years-now-i-have-taken-on-as-my-lifes-work-th/</loc><lastmod>2016-08-31T11:54:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/19/you-have-yourself-to-blame-for-your-prison-sentence-you-are-responsible-for-your-own-actions-or-you-can-blame-all-the-journalists-and-investing-experts-and-economists-and-researchers-and-policymak/</loc><lastmod>2016-08-31T17:17:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/20/if-the-normal-order-of-things-applied-in-this-context-thousands-of-people-smarter-than-me-would-have-jumped-in-35-years-ago-and-all-of-the-insights-that-i-developed-and-wrote-about-over-the-past-14/</loc><lastmod>2016-09-01T15:37:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/21/the-buy-and-holders-got-to-the-top-of-the-hill-first-and-have-for-the-past-35-years-used-their-dominance-to-block-millions-of-investors-from-learning-about-the-other-universe-of-stock-investing-str/</loc><lastmod>2016-10-21T17:59:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/24/the-buy-and-holders-want-to-have-it-both-ways-they-want-the-marketing-edge-that-comes-with-pushing-a-get-rich-quick-approach-and-they-also-want-to-be-able-to-say-that-there-is-peer-reviewed-resear/</loc><lastmod>2016-09-02T13:47:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/25/valuation-informed-indexing-311-buy-and-hold-stopped-being-science-when-it-was-not-corrected-to-reflect-shillers-findings-on-valuations/</loc><lastmod>2016-09-11T13:44:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/26/12908/</loc><lastmod>2016-09-18T05:33:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/10/27/the-problem-comes-when-people-start-believing-that-they-can-earn-more-than-6-5-perce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loc>https://www.arichlife.passionsaving.com/2016/11/22/if-i-were-free-to-post-honestly-everyone-would-be-free-to-post-honestly-the-first-thing-i-am-going-to-do-when-i-am-re-admitted-to-every-board-at-which-i-am-banned-is-to-ask-that-everyone-else-tha/</loc><lastmod>2016-10-03T05:21:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/11/23/it-was-wade-pfaus-intention-and-it-was-my-intention-to-get-the-peer-reviewed-research-that-we-prepared-together-featured-on-the-front-page-of-the-new-york-times-we-are-still-going-to-do-that-we/</loc><lastmod>2016-10-03T05:28:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/11/24/buy-and-hold-always-destroys-the-economic-system-in-which-it-is-tolerated-for-a-time-and-it-can-never-be-any-other-way-once-we-spread-the-word-re-the-implications-of-the-last-35-years-of-peer-revie/</loc><lastmod>2016-10-03T11:22:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/11/25/12962/</loc><lastmod>2016-10-05T20:07:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/11/28/if-you-counted-your-stock-portfolio-as-being-worth-its-nominal-value-when-making-decisions-as-to-how-much-to-spend-on-the-house-and-car-and-college-education-you-made-poor-decisions/</loc><lastmod>2016-10-05T20:23:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/11/29/clinton-is-smart-and-experienced-and-hard-working-but-i-think-it-would-be-fair-to-say-that-she-has-never-in-her-life-crossed-a-big-money-donor-and-the-big-money-donors-have-zero-interest-in-permitti/</loc><lastmod>2016-10-05T20:30:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/11/30/political-correctness-as-applied-both-in-the-political-context-and-in-the-investing-context-is-a-form-of-low-grade-violence-when-someone-threatens-to-destroy-someones-reputation-because-of/</loc><lastmod>2016-10-07T14:29:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/02/wade-told-me-that-his-fear-was-that-his-employer-would-believe-your-lies-if-wade-had-confidence-that-bogle-would-jump-in-and-take-his-side-against-you-he-would-not-have-been-afraid-it-was-because/</loc><lastmod>2016-10-10T20:42:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/05/if-you-are-going-to-say-that-bogle-never-heard-of-robert-shiller-and-never-realized-that-he-had-a-responsibility-to-reform-buy-and-hold-to-reflect-this-revolutionary-shiller/</loc><lastmod>2016-10-10T20:55:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/01/bogle-couldnt-have-gotten-away-with-what-he-got-away-with-if-the-newspapers-had-called-him-out-on-his-b-s-and-if-the-academic-researchers-had-called-him-out-on-his-b-s-and-if-the-freakin/</loc><lastmod>2016-10-11T15:54:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/06/buy-and-hold-goon-to-rob-how-many-people-do-you-think-believe-your-comments-on-prison-and-believe-that-it-will-actually-happen-robs-response-the-straightforward-way-is-to-say-that-i-have-ne/</loc><lastmod>2016-10-11T17:55:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/07/valuation-informed-indexing-317-the-federal-reserve-is-political-even-if-non-partisan/</loc><lastmod>2016-10-26T08:17:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/08/buy-and-hold-goon-to-rob-direct-quote-from-shiller-its-not-a-timing-mechanism-oh-right-he-was-lying-or-intimidated-or-he-doesnt-mean-long-term-timing-or-he-doesnt-understand-hi/</loc><lastmod>2016-10-24T13:13:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/09/valuation-informed-indexing-317-bogle-believes-in-one-version-of-reversion-to-the-mean-and-valuation-informed-indexers-believe-in-another/</loc><lastmod>2016-10-26T08:22:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/12/rob-to-buy-and-hold-goon-posting-at-the-value-walk-site-we-need-as-a-society-to-work-up-the-courage-to-take-action-re-all-that-has-gone-down-your-motive-is-not-to-bring-things-to-a-good-conclusi/</loc><lastmod>2016-10-26T08:42:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/13/i-acknowledge-that-there-are-two-schools-of-academic-thought-as-to-how-stock-investing-works-you-do-not-you-engage-in-abusive-trickery-to-deceive-people-into-believing-that-there-is-only-one-scho/</loc><lastmod>2016-10-27T04:40:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/14/you-goons-and-i-do-not-need-to-work-this-out-amongst-ourselves-there-are-millions-of-people-whose-lives-are-in-the-process-of-being-destroyed-by-your-massive-act-of-financial-fraud-their-take-on/</loc><lastmod>2016-10-27T04:47:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/15/buy-and-hold-goon-to-rob-besides-rob-bennett-is-there-anyone-that-will-publicly-say-that-buy-hold-and-rebalance-is-a-con-nope-i-think-that-says-it-all/</loc><lastmod>2016-10-29T06:01:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/16/its-the-cover-up-that-is-outrageous-not-my-reporting-on-it-the-only-way-to-bring-the-cover-up-to-an-end-is-for-people-to-report-on-it-it-is-because-too-many-have-been-afraid-to-report-on-it-for/</loc><lastmod>2016-10-29T17:52:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/19/the-buy-and-holders-have-become-too-embarrassed-by-their-mistake-to-acknowledge-it/</loc><lastmod>2016-10-31T15:18:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/20/all-of-those-people-want-to-do-the-right-thing-and-yet-all-of-them-are-afraid-to-do-so-because-they-fear-that-what-you-goons-have-done-to-me-you-will-do-to-them-if-they-come-clean-if-all-of-those-p/</loc><lastmod>2016-10-31T15:27:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/21/valuation-informed-indexing-318-price-discipline-is-what-makes-markets-work/</loc><lastmod>2016-11-01T09:35:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/22/using-data-as-a-guide-to-understanding-something-leads-to-more-uncertainty-not-less/</loc><lastmod>2016-11-06T04:43:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/23/the-biggest-thing-that-is-wrong-with-it-valuation-informed-indexing-that-we-have-not-had-enough-people-study-it-in-depth-to-have-confidence-in-it-we-need-to-have-lots-of-good-and-smart-people-doing/</loc><lastmod>2016-11-07T07:06:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/26/valuation-informed-indexing-319-three-scenarios-for-what-we-may-see-following-the-next-price-crash/</loc><lastmod>2016-11-10T15:47:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/27/its-one-thing-to-know-that-there-is-35-years-of-peer-reviewed-research-showing-that-there-is-zero-chance-that-a-buy-and-hold-strategy-could-ever-work-for-even-a-single-long-term-investor-its-so/</loc><lastmod>2016-11-13T04:03:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/28/buy-and-hold-goon-to-rob-its-the-sophisticated-wall-street-firms-that-set-the-prices-theyre-not-getting-emotional-theyre-making-cold-hard-data-driven-calculations/</loc><lastmod>2016-11-13T04:21:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/29/valuation-informed-indexing-320-effective-financial-planning-becomes-impossible-during-both-bull-and-bear-markets/</loc><lastmod>2016-11-16T14:55:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2016/12/30/buy-and-hold-goon-to-rob-buy-and-hold-and-rebalance-people-buy-when-stocks-are-going-up-and-when-they-are-going-down/</loc><lastmod>2016-11-17T15:40:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/02/everyone-who-works-in-this-field-needs-to-pull-together-to-insist-that-bogle-come-clean-re-these-matters-there-is-not-one-school-of-thought-re-how-stock-investing-works-there-are-two-buy-and-hold/</loc><lastmod>2016-11-18T09:54:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/03/valuation-informed-indexing-321-valuation-informed-indexing-combines-the-best-elements-of-fundamental-analysis-and-technical-analysis/</loc><lastmod>2016-11-22T16:21:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/04/doing-the-right-thing-doesnt-get-easier-by-putting-it-off-it-gets-harder-once-we-have-a-major-figure-speaking-out-clearly-re-this-matter-it-frees-all-the-rest-of-us-to-speak-out-honestly-about/</loc><lastmod>2016-11-22T16:37:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/05/you-goons-have-contact-with-mel-linduaer-and-mel-lindauer-has-contact-with-john-bogle-if-you-asked-nicely-lindauer-would-be-willing-to-ask-bogle-nicely-to-ask-shiller-nicely-whether-he-believes-th/</loc><lastmod>2016-11-22T16:47:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/06/i-couldnt-be-happier-i-am-humbled-to-have-played-an-important-role-in-the-process-by-which-we-all-are-discovering-how-stock-investing-works-in-the-real-world/</loc><lastmod>2016-11-23T16:51:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/09/this-is-the-biggest-finance-related-story-of-my-lifetime-the-new-york-times-should-be-all-over-it-so-should-every-web-site-on-the-internet-but-my-web-site-is-the-only-one-covering-it-on-a-daily-b/</loc><lastmod>2016-11-23T17:18:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/10/buy-and-hold-goon-to-rob-shiller-and-bogle-are-not-in-conflict/</loc><lastmod>2016-11-23T17:23:47-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/11/valuation-informed-indexing-322-the-money-that-disappears-in-a-stock-crash-never-existed-in-any-real-sense-in-the-first-place/</loc><lastmod>2016-11-29T13:51:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/12/buy-and-hold-goon-to-rob-you-are-not-even-fit-to-tie-bogles-shoes-let-alone-discuss-investing-strategies-with-someone-as-accomplished-as-bogle/</loc><lastmod>2016-12-02T13:43:01-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/13/look-at-what-happened-to-hillary-clinton-if-she-could-go-back-in-time-to-the-day-when-she-was-first-asked-a-question-about-her-private-e-mail-server-do-you-think-that-she-would-again-choose-to-go/</loc><lastmod>2016-12-02T13:40:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/16/we-express-our-deepest-beliefs-re-what-we-are-as-a-society-in-our-laws-against-financial-fraud-and-in-our-posting-rules-prohibiting-abusive-tactics-and-so-forth-i-think-it-would-be-fair-to-say-that/</loc><lastmod>2016-12-02T15:43:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/17/bogle-goon-to-rob-it-is-just-hurting-your-family-rob-there-were-people-using-greaneys-study-to-plan-their-retirements-these-people-became-my-friends-i-felt-bad-to-see-them-tricked/</loc><lastmod>2016-12-02T15:58:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/18/buy-and-hold-goon-i-guess-it-is-all-one-big-massive-conspiracy-rob-a-conspiracy-of-ignorance/</loc><lastmod>2016-12-02T16:05:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/19/i-have-never-seen-any-evidence-that-the-mistake-made-by-the-buy-and-holders-was-purposeful/</loc><lastmod>2016-12-02T18:28:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/20/valuation-informed-indexing-323-it-is-not-reasonable-to-expect-a-perfect-correlation-between-valuations-and-long-term-returns/</loc><lastmod>2016-12-06T15:56:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/23/a-death-threat-is-not-an-argument-it-is-an-act-of-intimidation/</loc><lastmod>2016-12-06T16:04:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/24/i-long-to-see-everyone-using-words-and-terms-like-goons-and-financial-fraud-and-prison-sentences-on-a-daily-basis-you-dont-bring-a-mas/</loc><lastmod>2016-12-06T16:26:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/25/people-love-being-told-that-they-possess-more-in-the-way-of-assets-than-they-really-do-possess-thats-why-buy-and-hold-is-so-popular-the-lie-being-told-is-a-soothing-one-to-the-ea/</loc><lastmod>2016-12-06T16:36:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/26/recent-years-the-time-period-from-1996-forward-have-very-much-been-an-exception-this-is-the-first-time-in-the-history-of-the-u-s-market-in-which-we-have-seen-so-long-a-time-period-in-which-going/</loc><lastmod>2016-12-08T20:16:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/27/i-have-made-contributions-that-neither-bogle-nor-shiller-have-made-i-i-give-my-best-shot-to-answering-every-question-put-to-me-i-struggle-mightily-to-be-honest-in-the-face-of-enormous-pressures-to/</loc><lastmod>2017-01-27T13:12:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/30/i-would-put-myself-in-the-same-class-as-bogle-and-shiller/</loc><lastmod>2016-12-08T20:32:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/01/31/if-this-situation-had-been-normal-all-along-the-opportunity-wouldnt-have-been-available-to-me/</loc><lastmod>2016-12-08T20:39:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/01/bogle-is-working-a-con-when-he-says-that-he-responds-to-letters-he-is-telling-a-lie-he-responds-to-letters-that-dont-expose-his-con-he-ignores-those-that-ask-him-why-he-lies-about-what-the-las/</loc><lastmod>2016-12-09T10:24:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/02/you-tell-me-something-that-i-can-do-that-would-help-bogle-out-and-that-would-help-you-goons-out-and-i-will-be-on-it-in-two-seconds-bogle-and-you-goons-have-made-such-a-mess-of-things-that-there-are/</loc><lastmod>2016-12-10T17:17:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/03/even-if-my-site-did-not-exist-this-would-get-out-shillers-book-is-still-out-there-the-research-that-i-co-authored-with-wade-pfau-is-still-out-there-shillers-nobel-prize-is-stil/</loc><lastmod>2016-12-10T17:33:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/06/i-hereby-promise-not-to-take-any-action-whatsoever-to-bring-criminal-charges-or-to-encourage-others-to-bring-criminal-charges/</loc><lastmod>2016-12-10T17:39:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/07/have-you-considered-that-you-wouldnt-be-worried-about-a-prison-sentence-today-had-bogle-come-clean-back-in-1981-each-day-that-the-cover-up-continues-more-people-get-hurt/</loc><lastmod>2016-12-10T17:45:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/08/valuation-informed-indexing-324-valuation-informed-indexers-only-temporarily-miss-out-on-gains-when-bull-markets-continue-longer-than-expected/</loc><lastmod>2016-12-13T07:07:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/09/what-if-some-views-are-suppressed-so-brutally-that-the-people-who-hold-those-views-stop-expressing-them-publicly-then-you-get-into-a-situation-where-the-market-cannot-do-its-job-of-mixing-all-views/</loc><lastmod>2016-12-15T13:05:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/10/kirk-clements-it-is-very-interesting-as-a-practitioner-to-try-to-point-out-the-errors-of-academic-finance-to-professors-that-admit-it-is-all-wrong-but-easy-to-teach-i-fear-that-the-advisory-busine/</loc><lastmod>2016-12-15T13:26:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/13/steve-jobs-did-not-make-his-fortune-posting-on-message-boards-bill-gates-did-not-make-his-fortune-posting-on-message-boards-but-they-both-did-something-similar-to-what-i-did-they-used-a-new-techn/</loc><lastmod>2016-12-15T13:39:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/14/i-look-at-the-same-14-years-of-abuse-and-observe-that-that-abuse-is-what-has-kept-lots-of-other-smart-and-good-people-from-walking-the-path-that-i-have-walked-and-thereby-has-left-a-mountain-of-high/</loc><lastmod>2016-12-15T13:47:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/15/the-new-ideas-wont-spread-until-some-of-us-work-up-the-courage-to-stand-up-to-you-goons-each-time-one-of-us-works-up-the-courage-to-do-so-it-makes-all-the-others-thinking-about-it-feel-more-conf/</loc><lastmod>2016-12-15T13:59:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/16/shillers-findings-would-not-have-been-considered-revolutionary-had-an-entire-industry-not-already-been-built-teaching-the-opposite-belief-the-battle-between-buy-and-holders-and-valuation-informe/</loc><lastmod>2016-12-22T06:50:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/17/it-is-important-to-write-about-the-fraud-stuff-its-because-too-many-of-us-are-afraid-to-write-about-that-stuff-that-it-has-continued-for-so-long-we-pretend-that-its-charity-holding-us-back-but/</loc><lastmod>2017-02-17T10:23:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/20/buy-and-holder-to-rob-yes-the-market-can-become-overvalued-and-undervalued-we-simply-believe-those-conditions-cannot-be-used-to-profitably-time-the-market/</loc><lastmod>2016-12-22T07:00:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/21/the-mountain-of-research-showing-that-buy-and-hold-can-never-work-for-a-single-investor-has-grown-so-large-that-even-the-biggest-names-in-the-field-can-no-longer-entirely-ignore-it-so-even-people-l/</loc><lastmod>2016-12-22T07:10:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/22/buy-and-hold-goon-rob-makes-up-stories-about-bogle-shiller-buffett-when-pointed-to-comments-to-the-contrary-rob-says-that-they-are-lying-or-that-they-are-afraid-of-speaking-the-truth-rob/</loc><lastmod>2016-12-22T07:16:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/23/mike-piper-is-helping-with-this-article-by-articulating-some-points-that-i-believe-really-do-drive-the-behavior-of-those-who-follow-buy-and-hold-strategies-it-really-is-true-that-investors-need-to/</loc><lastmod>2017-02-23T05:56:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/24/you-can-find-comments-in-which-i-tell-the-tale-of-how-mike-piper-is-a-nice-guy-which-he-is-and-you-can-find-comments-in-which-i-tell-the-tale-of-how-mike-aided-the-massive-cover-up-which-he-did/</loc><lastmod>2016-12-22T07:34:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/27/bull-markets-are-liars-markets-the-pe10-metric-shows-the-extent-of-overvaluation-present-in-the-market-at-any-given-time-another-way-of-saying-it-is-that-the-pe10-metric-shows-the-extent-of-di/</loc><lastmod>2016-12-22T07:48:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/02/28/the-science-behind-valuation-informed-indexing-when-properly-applied-has-always-worked-just-as-the-science-behind-polling-when-properly-applied-has-always-worked-its-the-humans-who-get-emo/</loc><lastmod>2016-12-24T12:24:47-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/01/as-the-rewards-grow-greater-and-greater-my-ability-to-be-honest-grows-stronger-and-stronger-i-dont-even-think-about-it-much-today-i-just-do-it-my-decision-to-write-honestly-about-the-la/</loc><lastmod>2016-12-24T13:19:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/02/the-pe10-level-in-january-2000-was-44-three-times-the-fair-value-pe10-level-of-15-thats-12-trillion-worth-of-dishonesty/</loc><lastmod>2016-12-24T13:28:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/03/if-the-crash-comes-quickly-you-are-ahead-if-the-crash-comes-slowly-you-are-ahead-you-are-always-ahead-so-you-shouldnt-fret-so-much-about-when-the-crash-will-come-it-doesnt-ma/</loc><lastmod>2016-12-26T06:19:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/06/there-are-scenarios-where-the-valuation-informed-indexer-falls-behind-because-overvaluation-remains-in-place-longer-than-anticipated-and-then-cannot-catch-up-because-he-has-missed-out-on-compounding/</loc><lastmod>2016-12-26T06:04:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/07/13139/</loc><lastmod>2016-12-27T11:20:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/08/we-need-to-have-everyone-speaking-up-re-the-process-issues-if-we-ever-are-as-a-society-going-to-make-complete-sense-of-the-substance-issues-no-one-should-discount-the-importance-of-us-all-working-u/</loc><lastmod>2016-12-29T12:14:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/09/the-entire-problem-was-caused-by-people-being-afraid-to-call-out-the-buy-and-holders-because-the-strategy-has-so-much-money-behind-it-is-any-of-that-my-doing-did-i-spend-hundreds-of-millions-of-do/</loc><lastmod>2016-12-29T15:54:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/10/it-appears-that-just-about-no-one-possesses-confidence-in-buy-and-hold-not-all-buy-and-holders-are-goons-most-are-not-but-the-buy-and-holders-who-do-not-personally-engage-in-goon-behavior-would-c/</loc><lastmod>2016-12-31T19:21:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/13/buy-and-hold-goon-to-rob-i-and-many-others-are-confident-in-buy-hold-and-rebalance-you-seem-to-be-the-only-one-confident-in-valuation-informed-indexing/</loc><lastmod>2017-01-01T05:53:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/14/valuation-informed-indexing-327-using-historical-return-dat-to-guide-your-investing-strategies-leads-to-more-uncertainty-not-less/</loc><lastmod>2017-01-03T10:39:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/15/the-flaw-in-the-buy-and-hold-model-is-the-idea-that-investors-are-100-percent-rational-the-core-buy-and-hold-idea-is-crazy-if-the-premise-of-a-model-is-wrong-everything-that-that-model-produces-i/</loc><lastmod>2017-01-04T14:19:54-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/16/when-you-talk-about-successful-buy-and-hold-outcomes-you-are-talking-about-portfolio-balances-that-exist-today-that-you-did-not-divide-by-two-stocks-are-today-priced-at-two-times-their-real-value/</loc><lastmod>2017-01-04T14:25:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/17/do-you-think-that-a-100000-portfolio-that-exists-at-a-time-when-the-pe10-level-is-8-1982-has-the-same-value-as-a-100000-portfolio-at-a-time-when-the-pe10-level-is-44-2000-i-say-that-the/</loc><lastmod>2017-01-04T14:39:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/20/buy-and-hold-goon-in-response-to-robs-suggestion-that-bogle-contact-shiller-seeking-clarification-of-shillers-views-re-whether-investors-should-exercise-price-discipline-that-is-practice-long-t/</loc><lastmod>2017-01-05T15:35:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/21/for-so-long-as-i-believe-those-two-things-i-would-be-committing-a-felony-financial-fraud-by-leading-people-to-believe-that-it-is-my-view-that-they-dont-matter/</loc><lastmod>2017-01-06T06:30:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/22/we-entered-a-new-and-more-dangerous-world-in-1965-when-people-who-put-themselves-forward-as-disinterested-scientists-started-saying-that-the-historical-data-supports-the-pure-get-rich-quick-approac/</loc><lastmod>2017-01-08T18:48:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/23/on-the-morning-of-may-13-2002-we-had-20-percent-of-the-motley-fool-community-saying-that-valuation-informed-indexing-was-the-greatest-thing-they-ever-learned-about-and-that-they-wanted-to-explore/</loc><lastmod>2017-03-23T14:21:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/24/do-you-really-not-understand-what-the-word-overvaluation-means-if-stocks-are-currently-selling-at-three-times-their-fair-value-then-the-measure-of-their-value-is-certainly-not-what-someone-els/</loc><lastmod>2017-01-08T19:13:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/27/i-have-asked-myself-from-time-to-time-whether-i-would-put-up-that-fateful-post-of-the-morning-of-may-13-2002-all-over-again-if-i-had-a-chance-to-go-back-and-do-it-over-the-pain-on-the-process-sid/</loc><lastmod>2017-01-08T19:25:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/28/buy-and-hold-goon-to-rob-which-means-that-you-are-the-most-important-person-in-the-history-of-personal-finance-what-else-could-justify-the-many-years-of-pain-abuse-and-deprivation/</loc><lastmod>2017-01-08T19:51:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/29/the-fact-that-i-am-a-journalist-rather-than-an-investing-expert-explains-why-i-couldnt-be-corrupted-those-who-devoted-their-lives-to-building-careers-in-the-investing-advice-field-have-families-t/</loc><lastmod>2017-03-29T08:59:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/30/my-work-completes-bogles-work/</loc><lastmod>2017-01-08T20:05:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/03/31/for-a-long-time-i-thought-that-the-buy-and-holders-would-eventually-come-to-conclude-that-they-should-take-a-softer-line-and-then-everything-would-work-out-fine-i-stopped-believing-that-that-could/</loc><lastmod>2017-01-08T20:19:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/03/valuation-informed-indexing-328-the-jump-in-stock-prices-following-trumps-victory-could-be-a-bad-sign/</loc><lastmod>2017-01-10T15:05:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/04/everyone-who-works-in-this-field-should-be-engaged-in-the-debate-to-determine-whether-it-is-fama-or-shiller-who-is-right-the-continued-viability-of-our-economic-system-lies-in-the-balance/</loc><lastmod>2017-01-10T15:14:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/05/we-have-to-deal-with-the-goon-problem-people-hold-back-from-doing-so-because-it-is-all-so-nasty-and-so-strange-and-because-those-promoting-research-based-strategies-are-very-much-in-the-minority-to/</loc><lastmod>2017-01-15T19:37:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/06/wade-pfau-should-have-been-posting-from-the-first-day-that-he-got-interested-in-valuation-informed-indexing-he-and-i-would-have-written-that-paper-a-lot-sooner-had-he-done-so-and-we-might-have-don/</loc><lastmod>2017-01-15T19:48:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/07/katherine-graham-saw-that-the-public-needed-the-truth-even-if-it-didnt-bring-in-money-in-the-short-term-and-she-could-tell-by-the-way-that-nixon-was-reacting-to-questions-that-challenged-his-versi/</loc><lastmod>2017-01-15T20:00:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/10/site-administrator-at-value-walk-site-deletes-two-posts-by-the-buy-and-hold-goons/</loc><lastmod>2017-01-15T20:10:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/11/valuation-informed-indexing-329-free-market-advocates-should-be-ashamed-of-stock-crashes/</loc><lastmod>2017-01-17T07:24:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/12/we-all-understand-on-some-level-of-consciousness-that-it-cannot-possibly-be-so-that-the-stock-market-is-the-only-market-that-exists-in-which-it-is-not-necessary-to-practice-price-discipline-when-buy/</loc><lastmod>2017-01-17T19:53:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/13/at-the-very-bare-minimum-we-need-to-make-it-a-practice-to-tell-both-sides-of-the-story-reasonable-people-need-to-absolutely-insist-on-that-much/</loc><lastmod>2017-01-17T19:57:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/14/the-20-percent-of-the-population-that-wants-to-learn-more-about-the-dangers-of-buy-and-hold-are-poor-struggling-humans-too-and-i-intend-to-help-them-out-to-the-extent-i-can-regardless-of-any-pain-th/</loc><lastmod>2017-01-18T06:29:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/17/i-like-our-system-of-justice-and-i-am-going-to-continue-to-count-on-it-to-take-us-all-to-a-better-place-re-these-matters-i-think-it-would-be-fair-to-say-that-when-we-all-get-to-the-other-side-toge/</loc><lastmod>2017-01-18T06:47:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/18/people-feel-uncomfortable-participating-in-discussions-when-they-see-this-kind-of-behavior-we-need-to-reassure-them-that-there-are-limits-to-what-we-will-tolerate-but-it-takes-a-lot-of-courage-to/</loc><lastmod>2017-01-18T14:22:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/19/for-the-last-35-years-we-have-had-available-to-us-all-the-major-pieces-we-need-to-solve-the-stock-investing-puzzle-no-earlier-people-have-had-access-to-all-the-good-stuff-that-follows-from-that-re/</loc><lastmod>2017-01-24T16:00:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/20/valuation-informed-indexing-330-two-ways-that-bogle-could-have-reacted-to-shillers-research-without-admitting-a-mistake/</loc><lastmod>2017-01-27T09:30:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/21/deep-down-inside-we-all-want-the-same-things-we-all-want-to-know-how-stock-investing-really-works-we-all-want-our-retirement-plans-to-succeed-that-unity-of-core-purpose-will-eventually-help-us-al/</loc><lastmod>2017-01-28T05:40:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/24/i-couldnt-have-done-90-percent-of-what-i-have-done-if-i-had-not-been-wiling-to-take-the-abuse-dished-out-by-you-goons-so-missing-out-on-success-in-the-crass-terms-in-which-you-define-it-is-part-o/</loc><lastmod>2017-01-28T07:22:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/25/wade-pfau-was-afraid-to-post-at-the-bogleheads-forum-because-of-the-abusiveness-he-saw-from-you-goons-whenever-i-or-someone-else-discussed-shillers-research-and-the-many-important-implications-th/</loc><lastmod>2017-01-28T16:58:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/26/buy-and-hold-goon-it-is-wonderful-to-see-how-principled-rob-is-it-is-equally-sad-to-see-how-clueless-rob-is/</loc><lastmod>2017-01-28T20:58:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/27/there-certainly-was-no-doubt-in-wades-mind-at-the-time-that-i-was-the-co-author-of-the-research-paper-we-prepared-together-he-was-entirely-open-and-free-about-saying-it-multiple-times-and-we-hav/</loc><lastmod>2017-01-29T16:48:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/04/28/no-one-should-ever-feel-afraid-that-his-career-will-be-damaged-in-even-a-tiny-way-because-he-shares-his-true-beliefs-re-how-stock-investing-works-all-of-us-buy-and-holders-and-valuation-informed-i/</loc><lastmod>2017-01-29T16:59:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/01/reasonable-people-dont-need-links-they-know-what-they-need-to-know-by-seeing-your-behavior-on-this-thread-the-trouble-is-that-lots-of-people-who-are-reasonable-in-all-other-respects-lose-their-a/</loc><lastmod>2017-01-29T17:15:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/02/valuation-informed-indexing-331-valuations-matter-but-how/</loc><lastmod>2017-01-31T16:12:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/03/my-buy-and-hold-friends-are-good-and-smart-and-hard-working-people-they-are-trapped-in-unfortunate-circumstances-but-they-want-to-be-giving-sound-investing-advice-i-know-because-i-have-talked-to/</loc><lastmod>2017-01-31T16:22:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/04/paradoxically-it-is-the-fellow-who-can-acknowledge-his-own-irrationality-who-is-thereby-best-able-to-control-it-and-it-is-the-one-who-insists-on-perfect-rationality-from-himself-who-goes-totally-bo/</loc><lastmod>2017-01-31T16:43:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/05/we-always-want-to-vote-ourselves-huge-unmerited-pay-increases-because-we-have-a-nasty-get-rich-quick-urge-residing-within-us-and-we-also-always-want-stock-prices-to-be-rational-so-that-we-can-plan-e/</loc><lastmod>2017-01-31T17:07:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/08/the-positive-leverage-here-is-off-the-charts-i-have-spoken-to-college-professors-who-believe-that-valuation-informed-indexing-is-the-future-and-who-want-to-teach-it-to-their-students-but-who-are-af/</loc><lastmod>2017-02-01T16:35:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/09/the-problem-that-we-are-having-as-a-society-is-that-we-are-all-humans-humans-dont-want-to-be-disliked-if-your-message-is-you-need-to-divide-the-amount-reported-on-your-portfolio/</loc><lastmod>2017-02-02T18:59:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/10/buy-and-hold-goon-to-rob-it-is-far-more-likely-that-bogle-does-not-respond-to-aggressive-and-unhinged-letters/</loc><lastmod>2017-02-02T19:11:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/11/buy-and-hold-goon-to-rob-you-are-a-quintessential-don-quixote-robs-response-this-nation-is-a-don-quixote-nation-people-tell-us-good-things-that-we-are-trying-to-do-are-impossible-and-we-go/</loc><lastmod>2017-02-02T19:17:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/12/no-one-fights-this-hard-to-block-a-non-story-from-getting-out/</loc><lastmod>2017-02-02T19:21:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/15/if-bogle-wants-to-tell-people-who-ask-following-the-next-price-crash-that-the-reason-why-he-did-not-respond-to-my-e-mails-is-that-he-thought-that-i-had-mental-issues-i-guess-that-that-is-what-h/</loc><lastmod>2017-02-03T11:21:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/16/buy-and-hold-goon-to-rob-it-is-your-poor-family-that-suffers/</loc><lastmod>2017-02-03T13:35:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/17/you-goons-dont-feel-that-you-can-give-an-inch-and-i-think-it-would-be-fair-to-say-that-jack-bogle-and-the-other-wall-street-con-men-feel-that-they-cannot-afford-to-give-an-inch-either-is/</loc><lastmod>2017-02-03T15:12:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/18/my-mother-grew-up-in-the-great-depression-brought-on-by-an-earlier-try-at-seeing-whether-doing-the-opposite-of-what-the-peer-reviewed-research-which-wasnt-available-at-the-time-teaches-us-we-sh/</loc><lastmod>2017-02-03T15:34:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/19/buy-and-hold-goon-to-rob-what-is-your-definition-of-honest-posting/</loc><lastmod>2017-02-07T15:06:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/22/buy-and-hold-goon-to-rob-its-easy-to-see-why-you-have-been-banned-from-boards-take-bogleheads-for-example-it-bans-conspiracy-theories/</loc><lastmod>2017-02-07T15:11:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/23/my-personal-guess-as-to-how-the-criminal-side-of-this-will-be-addressed-is-that-following-the-next-price-crash-a-group-of-responsible-people-in-the-field-will-be-arguing-for-an-amnesty-that-would-ne/</loc><lastmod>2017-02-07T15:19:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/24/valuation-informed-indexing-332-never-before-in-u-s-history-have-we-seen-todays-level-of-overvaluation-continue-for-so-long/</loc><lastmod>2017-02-07T15:24:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/25/buy-and-hold-goon-re-rob-take-a-look-at-his-website-today-and-you-will-see-him-talk-about-made-up-death-threats-that-he-refuses-to-back-up-with-facts-and-fairy-tales-of-people-going-to-prison-th/</loc><lastmod>2017-02-07T15:30:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/26/i-put-up-a-post-on-the-morning-of-may-13-2002-pointing-out-that-the-buy-and-hold-retirement-studies-lack-a-valuations-adjustment-and-not-one-person-has-been-able-to-identify-one-in-the-15-years/</loc><lastmod>2017-05-26T08:43:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/29/we-need-to-want-to-move-in-a-positive-direction-to-make-forward-progress-we-of-course-all-want-the-same-thing-deep-inside-but-at-this-moment-in-time-a-lot-of-us-are-compromised-because-we-have-big/</loc><lastmod>2017-02-07T18:32:45-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/30/the-first-step-is-the-hardest-step-the-first-step-is-acknowledging-that-discussions-are-needed-implicit-in-the-first-step-is-an-acknowledgment-of-at-least-the-possibility-that-a-mistake-was-made/</loc><lastmod>2017-02-16T12:24:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/05/31/buy-and-hold-goon-to-rob-over-at-bogleheads-org-they-are-celebrating-the-10-year-anniversary-of-the-sites-founding-as-you-know-your-behavior-at-morningstar-com-played-a-major-part-in-creation/</loc><lastmod>2017-02-20T06:59:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/01/i-see-it-as-my-job-to-see-to-it-that-every-citizen-of-this-country-feels-100-percent-free-to-post-honestly-re-the-last-36-years-of-peer-reviewed-research-at-every-investing-discussion-board-and-blog/</loc><lastmod>2017-02-20T13:20:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/05/crashes-hurt-much-more-than-you-would-think-they-would-they-have-a-counter-intuitively-big-negative-impact-on-long-term-portfolio-growth-it-is-amazing-how-far-behind-the-valuation-informed-indexer/</loc><lastmod>2017-02-22T14:53:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/06/we-all-lose-when-researchers-are-afraid-to-research-certain-questions-i-believe-that-god-put-me-on-earth-to-make-the-case-for-opening-up-this-field-to-honest-research/</loc><lastmod>2017-02-22T16:28:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/07/its-not-just-me-sammy-thousands-of-our-fellow-community-members-have-asked-that-you-goons-dial-it-back-and-permit-honest-posting-i-have-had-numerous-university-professors-contact-me-and-tell-me/</loc><lastmod>2017-02-22T16:42:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/08/until-1981-we-humans-did-not-have-all-the-pieces-in-place-to-know-how-stock-investing-worked-in-1981-the-last-piece-of-the-intellectual-puzzle-snapped-into-place-now-we-had-available-to-us-every/</loc><lastmod>2017-02-22T16:59:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/09/the-clearer-statement-is-always-the-better-statement-if-there-is-some-reason-to-believe-that-buy-and-hold-is-not-a-lie-i-want-to-have-someone-bring-that-evidence-to-my-attention-and-it-is-far-more/</loc><lastmod>2017-02-25T15:44:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/12/a-lot-of-the-people-who-have-done-bad-things-are-caught-up-in-something-bigger-than-them-a-lot-never-expected-things-to-get-this-out-of-hand-a-lot-have-done-good-work-and-made-important-contributi/</loc><lastmod>2017-02-27T17:48:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/14/the-mistake-that-the-buy-and-holders-made-was-to-assume-that-investors-are-engaged-in-the-rational-pursuit-of-their-self-interests-everything-that-came-after-that-was-tested-but-the-premise-that/</loc><lastmod>2017-02-28T12:00:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/15/i-favor-investing-strategies-that-work-longer-than-a-single-bullbear-cycle-why-because-we-all-invest-for-longer-than-a-single-bullbear-cycle-the-typical-bullbear-cycle-lasts-35-years-most-of/</loc><lastmod>2017-03-01T16:19:16-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/16/the-entire-site-tells-the-story-close-your-eyes-and-pick-a-page-at-random-then-just-follow-the-links-from-there-if-your-mind-is-open-to-learning-things-about-stock-investing-that-we-did-not-know/</loc><lastmod>2017-03-01T16:26:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/19/common-sense-price-discipline-is-required-in-every-other-market-that-exists-the-idea-that-it-wouldnt-be-required-in-the-stock-market-is-on-its-face-absurd/</loc><lastmod>2017-03-02T17:37:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/20/no-predictions-are-made-in-the-calculation-of-the-safe-withdrawal-rate/</loc><lastmod>2017-03-07T04:47:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/21/neither-buy-and-hold-nor-valuation-informed-indexing-works-for-investors-who-cannot-stick-with-their-chosen-strategy-for-the-long-run-even-when-it-appears-that-it-is-not-working-assessments-that-d/</loc><lastmod>2017-03-07T09:41:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/02/valuation-informed-indexing-333-overvaluation-is-sticky-because-investor-emotion-is-sticky/</loc><lastmod>2017-03-09T10:02:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/22/the-reason-for-the-friction-we-have-seen-is-that-it-was-not-until-1981-that-the-research-was-in-line-with-common-sense/</loc><lastmod>2017-03-11T07:32:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/23/when-i-explain-to-people-following-the-crash-that-those-who-follow-the-peer-reviewed-research-have-known-for-36-years-that-it-is-not-possible-to-perform-any-investing-related-calculation-without-mak/</loc><lastmod>2017-03-13T06:58:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/13/valuation-informed-indexing-334-belief-in-an-investing-strategy-comes-firs-and-then-evidence-follows/</loc><lastmod>2017-06-13T21:45:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/26/i-think-we-have-a-tiger-by-the-tale-here-i-think-there-was-good-reason-why-shiller-was-awarded-a-nobel-prize-i-know-that-there-are-tens-of-thousands-of-smart-and-good-people-who-have-important-thi/</loc><lastmod>2017-03-15T07:25:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/27/buy-and-hold-goon-to-rob-it-is-all-just-a-silly-story-you-have-made-up-you-made-all-this-up-after-you-stopped-working-it-is-only-after-your-plan-failed-that-you-started-down-this-road-of-delusion/</loc><lastmod>2017-03-15T09:36:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/28/i-do-not-blame-the-15-year-cover-up-solely-on-you-goons-you-couldnt-get-away-with-what-you-get-away-with-without-a-lot-of-help-from-a-lot-of-normals-and-a-lot-of-people-in-positions-of-re/</loc><lastmod>2017-06-28T19:20:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/29/the-first-rule-of-marketing-is-to-flatter-your-potential-customer-valuation-informed-indexing-permits-people-to-retire-many-years-sooner-and-to-reduce-investing-risk-dramatically-but-it-does-not-f/</loc><lastmod>2017-03-16T17:57:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/06/30/shillers-research-was-revolutionary-because-it-changed-our-understanding-of-how-stock-investing-works-in-a-fundamental-way-prior-to-1981-we-thought-that-the-market-was-efficient-which-me/</loc><lastmod>2017-03-17T10:55:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/03/we-need-to-have-every-buy-and-holder-alive-exploring-his-or-her-doubts-on-a-daily-basis-thats-what-this-is-all-about-we-are-all-compromised-we-all-carry-a-get-rich-quick-urge-within-us/</loc><lastmod>2017-03-17T11:05:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/04/i-believe-that-there-will-come-a-day-when-you-will-see-the-story-of-the-15-year-cover-up-of-the-errors-in-the-buy-and-hold-retirement-studies-on-all-the-major-political-and-social-media-sites-but-i/</loc><lastmod>2017-03-20T10:13:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/06/there-are-millions-of-investors-who-dont-see-a-need-to-make-adjustments-in-their-stock-allocations-in-response-to-big-swings-in-the-price-of-stocks-its-the-promotion-of-buy-and-hold-that-is-res/</loc><lastmod>2017-03-21T16:42:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/05/valuation-informed-indexing-335-there-would-be-great-benefits-to-valuation-informed-investing-even-if-market-timing-did-not-work/</loc><lastmod>2017-03-21T16:48:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/07/buy-and-hold-goon-to-rob-your-response-is-just-more-verbal-diarrhea-consisting-of-the-same-repetitive-nonsense-rob-i-wish-that-you-could-find-it-in-yourself-to-add-the-words-in-my-opinion/</loc><lastmod>2017-03-21T17:15:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/10/the-vast-majority-of-buy-and-holders-did-not-join-in-with-the-ugly-stuff-but-the-vast-majority-did-tolerate-the-bad-behavior/</loc><lastmod>2017-07-10T13:53:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/11/the-popularity-of-buy-and-hold-has-nothing-to-do-with-any-intellectual-merits-it-is-popular-because-it-offers-emotional-relief-we-are-all-worried-about-having-enough-to-retire-double-your-portfol/</loc><lastmod>2017-03-22T09:44:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/12/shillers-pe10-is-a-metric-that-translates-human-emotion-into-a-number-so-that-it-can-be-used-in-investing-calculations/</loc><lastmod>2017-03-22T15:06:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/13/i-dont-see-anything-wrong-with-there-not-being-a-single-formula-for-valuation-informed-indexing-different-valuation-informed-indexers-have-different-risk-tolerances-they-should-take-that-into-co/</loc><lastmod>2017-04-11T07:07:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/14/greaney-put-forward-his-first-death-threat-on-the-evening-of-august-27-2002-and-200-of-my-fellow-community-members-endorsed-it-while-only-50-condemned-it-since-then-an-important-part-of-my-work/</loc><lastmod>2017-03-23T15:19:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/17/we-humans-are-influenced-by-social-pressures-and-the-social-pressures-to-believe-that-buy-and-hold-is-at-least-largely-on-the-right-track-are-intense/</loc><lastmod>2017-03-24T12:33:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/18/i-wouldnt-have-been-able-to-develop-the-retire-early-board-into-the-most-successful-discussion-board-at-the-motley-fool-site-had-i-stayed-at-my-corporate-job-i-wouldnt-have-been-a/</loc><lastmod>2017-03-27T11:53:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/19/the-wall-street-con-men-never-meant-to-cause-an-economic-crisis-when-they-came-up-with-buy-and-hold-they-thought-they-were-doing-a-good-thing-they-never-imagined-in-their-worst-nightmares-that-the/</loc><lastmod>2017-03-28T12:17:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/20/it-certainly-is-true-that-the-market-has-always-gone-up-and-down-but-what-the-downs-cause-us-bigger-problems-today-because-millions-of-middle-class-people-need-to-finance-their-own-retirements-and/</loc><lastmod>2017-07-20T10:05:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/21/valuation-informed-indexing-is-buy-and-hold-with-a-valuations-adjustment-added/</loc><lastmod>2017-03-28T15:35:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/24/if-i-had-showed-investors-how-to-reduce-investing-risk-by-10-percent-i-would-be-on-the-cover-of-time-magazine-the-problem-with-showing-them-how-to-reduce-risk-by-70-percent-is-that-it-makes-the-bu/</loc><lastmod>2017-03-28T16:14:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/25/if-you-were-100-percent-sure-that-i-am-wrong-about-investing-that-would-be-fine-if-that-were-how-you-felt-you-would-permit-me-to-speak-wherever-i-wanted-to-speak-confident-that-the-discussion-th/</loc><lastmod>2017-04-01T19:25:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/26/when-people-in-positions-of-responsibility-fail-to-speak-up-re-insanely-abusive-behavior-it-creates-an-environment-of-intimidation-that-affects-every-person-who-participates-in-community-discussions/</loc><lastmod>2017-04-02T13:18:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/27/bogle-rationalized-not-coming-clean-in-1981-because-he-never-imagined-that-valuations-would-ever-again-rise-to-fair-value-levels-remember-valuations-were-at-one-half-fair-value-in-1981-then-whe/</loc><lastmod>2017-04-02T13:31:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/28/buy-and-hold-goon-to-rob-i-get-that-your-one-uncompromising-principle-in-life-is-he-who-defines-the-question-wins-the-argument/</loc><lastmod>2017-04-04T17:10:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/07/31/valuation-informed-indexing-336-there-should-be-more-research-on-how-to-benefit-from-long-term-market-timing/</loc><lastmod>2017-04-11T08:02:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/01/valuation-informed-indexing-337-mike-piper-explains-why-buy-and-holders-are-reluctant-to-follow-the-research-supporting-valuation-informed-indexing-strategies/</loc><lastmod>2017-04-11T08:08:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/02/13423/</loc><lastmod>2017-04-11T08:46:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/03/valuation-informed-indexing-339-buy-and-holders-base-their-investing-decisions-on-flawed-forecasts-just-like-all-other-investors/</loc><lastmod>2017-04-24T15:58:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/04/shiller-would-be-happy-to-tell-you-all-kinds-of-things-if-you-persuaded-him-that-it-is-safe-to-do-so-the-same-is-so-of-bogle-and-of-bernstein-and-of-swedroe-and-of-pfau-and-of-thousands-of-othe/</loc><lastmod>2017-04-24T16:12:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/07/valuation-informed-indexing-340-the-stock-market-is-cyclical-but-not-in-the-way-that-you-think/</loc><lastmod>2017-04-25T07:40:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/08/wade-pfau-according-to-a-goon-report-this-is-all-part-of-robs-vast-mythology-in-which-he-seeks-to-make-himself-into-a-super-hero-fighting-the-evils-of-wall-street-it-isnt-true/</loc><lastmod>2017-04-28T15:24:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/09/valuation-informed-indexing-341-the-effect-that-valuations-have-on-long-term-returns-is-consistent-across-the-range-of-valuation-levels/</loc><lastmod>2017-05-04T11:02:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/10/am-i-the-bad-guy-or-is-it-the-people-who-are-putting-forward-buy-and-hold-happy-talk-who-are-the-bad-guys-the-vast-majority-of-people-who-work-in-this-field-have-noticed-that-theres-a-lot-more-sh/</loc><lastmod>2017-05-04T11:14:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/11/rob-to-james-altucher-i-like-it-that-you-think-for-15-years-i-have-been-pushing-an-idea-that-my-brain-says-is-supported-by-all-the-evidence-but-that-has-not-caught-on-because-in-my-view-many-peo/</loc><lastmod>2017-08-11T08:53:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/14/valuation-informed-indexing-340-it-was-the-widespread-belief-in-buy-and-hold-strategies-that-caused-the-runaway-bull-market/</loc><lastmod>2017-05-09T11:32:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/15/when-someone-like-jack-bogle-fails-to-speak-out-about-prison-sentences-when-that-is-the-obviously-appropriate-thing-to-do-that-sends-a-signal-to-people-that-a-field-has-become-very-corrupt-people/</loc><lastmod>2017-05-11T17:26:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/16/the-valuation-informed-indexer-who-does-not-lower-his-stock-allocation-when-he-nears-retirement-in-most-cases-is-facing-less-risk-than-his-buy-and-hold-counterpart-who-does-so/</loc><lastmod>2017-05-12T09:56:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/17/valuation-informed-indexing-341-the-word-bubble-applies-both-to-thought-bubbles-and-valuation-bubbles/</loc><lastmod>2017-05-16T16:27:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/18/hearing-that-we-need-to-divide-the-number-on-our-portfolio-statement-by-two-is-like-hearing-that-we-have-cancer/</loc><lastmod>2017-05-16T16:37:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/21/barton-swaim-to-rob-this-is-terrific-thank-you-for-writing-very-grateful-that-you-read-my-piece-on-the-expertocracy-and-took-the-time-to-explain-what-it-looks-like-in-your-field/</loc><lastmod>2017-08-21T09:13:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/22/rob-to-the-author-of-the-penny-pinchin-mom-blog-i-did-not-feel-comfortable-following-the-conventional-investing-advice-which-says-that-stocks-are-always-worth-buying-at-any-price-huh-it-soun/</loc><lastmod>2017-08-22T17:14:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/23/100-percent-of-the-data-supports-valuation-informed-indexing-0-percent-of-the-data-supports-buy-and-hold/</loc><lastmod>2017-05-22T11:52:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/24/buy-and-hold-goon-to-rob-if-you-had-to-name-the-top-10-investing-thought-leaders-today-who-would-be-on-that-list-and-how-would-you-rank-them/</loc><lastmod>2017-05-22T11:58:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/25/valuation-informed-indexing-342-calm-confidence-is-the-mid-point-between-fear-and-greed/</loc><lastmod>2017-05-23T08:46:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/28/our-system-is-based-on-incentives-the-incentives-get-too-out-of-whack-in-the-investing-realm-because-buy-and-hold-can-be-such-an-amazing-winner-in-the-short-term-and-such-a-horrible-loser-in-the-lo/</loc><lastmod>2017-05-23T09:44:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/29/when-the-price-of-milk-increases-people-complain-when-the-price-of-stocks-increases-people-cheer/</loc><lastmod>2017-05-27T15:59:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/30/in-the-stock-market-there-is-no-price-resistance-a-market-becomes-dysfunctional-when-the-people-being-hit-with-increased-prices-jump-for-joy-about-it/</loc><lastmod>2017-05-27T16:10:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/31/valuation-informed-indexing-343-an-emotion-driven-walk-down-wall-street-a-thought-experiment/</loc><lastmod>2017-05-30T08:28:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/01/valuation-informed-indexing-344-if-shiller-is-right-buy-and-holders-should-be-feeling-intensely-emotional-today/</loc><lastmod>2017-06-07T16:26:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/01/there-is-some-other-force-that-always-causes-bull-markets-to-go-pop-this-other-force-is-common-sense/</loc><lastmod>2017-06-07T16:49:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/02/my-wife-is-100-percent-confident-that-i-have-achieved-huge-advances-in-this-field-she-needs-to-tell-herself-that-i-had-something-to-do-with-the-bad-stuff-or-she-would-lose-her-faith-in-humanity-i/</loc><lastmod>2017-06-07T18:13:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/02/the-wall-street-con-men-are-not-our-enemies-they-want-to-do-good-work-they-want-to-help-people-how-can-they-get-to-a-place-where-they-are-able-to-do-that-again/</loc><lastmod>2017-06-07T18:20:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/03/do-you-think-that-wade-would-be-willing-to-pay-one-years-salary-to-be-able-to-do-honest-work-for-the-remainder-of-his-life-i-sure-do-everything-that-i-know-about-the-man-tells-me-that-he/</loc><lastmod>2017-06-08T12:46:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/03/those-who-leave-their-money-in-stocks-following-a-50-percent-increase-starting-from-todays-price-levels-are-going-to-give-all-that-money-back-when-prices-return-to-fair-value-levels-or-to/</loc><lastmod>2017-06-08T12:20:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/04/i-have-had-several-college-professors-include-links-to-material-posted-at-my-web-site-as-part-of-the-required-reading-for-their-courses-because-they-felt-that-the-material-was-so-important-and-could/</loc><lastmod>2017-06-08T12:36:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/04/it-is-so-important-to-the-tribe-that-we-continue-to-believe-that-our-stock-portfolios-are-worth-two-times-what-they-are-really-worth-that-the-vast-majority-of-us-do-not-dare-to-question-the-conventi/</loc><lastmod>2017-06-08T13:05:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/05/valuation-informed-indexing-345-our-minds-see-patterns-where-they-dont-exist-and-fail-to-see-them-where-they-do/</loc><lastmod>2017-06-14T20:52:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/05/arnott-had-the-courage-to-discuss-some-very-far-reaching-and-very-scary-implications-in-plain-language-reading-his-work-gave-me-the-courage-to-do-the-same-i-did-not-speak-the-way-i-speak-today-bac/</loc><lastmod>2017-06-14T22:13:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/06/on-may-13-2002-the-day-that-i-put-forward-my-famous-post-pointing-out-the-errors-in-greaneys-retirement-study-we-already-had-known-intellectually-but-not-emotionally-about-the-errors-in/</loc><lastmod>2017-06-15T16:48:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/06/if-wade-pfau-wasnt-threatened-he-wouldnt-have-changed-his-views-180-degrees-on-about-20-important-issues-overnight/</loc><lastmod>2017-06-15T16:54:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/07/valuation-informed-indexing-346-can-two-schools-of-thought-on-how-stock-investing-works-co-exist/</loc><lastmod>2017-06-21T17:47:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/07/buy-and-hold-goon-to-rob-respectful-behavior-is-what-is-required-rob/</loc><lastmod>2017-06-21T17:55:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/08/bill-bernstein-a-guy-that-all-buy-and-holders-love-was-saying-the-exact-same-thing-as-the-hated-rob-bennett-going-back-to-the-first-day-so-why-doesnt-bernstein-get-harassed-he-doesnt-say/</loc><lastmod>2017-06-23T17:45:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/08/what-i-add-is-that-i-say-things-clearly-and-simply-and-firmly-and-boldly-everything-that-i-say-is-rooted-in-shillers-revolutionary-nobel-prize-winning-research-finding-th/</loc><lastmod>2017-06-23T18:20:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/09/i-think-that-you-are-wrong-when-you-suggest-that-shiller-knows-the-truth-in-an-all-encompassing-way-we-all-learn-by-talking-things-over-with-others-shiller-is-not-able-to-talk-th/</loc><lastmod>2017-06-23T18:18:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/09/markets-work-through-the-magic-of-information-exchange-your-abusive-and-even-criminal-posting-behavior-has-blocked-access-to-the-information-that-those-of-us-who-want-to-buy-stocks-to-support-our-o/</loc><lastmod>2017-06-23T19:29:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/10/rebalancing-does-not-account-for-valuations/</loc><lastmod>2017-06-23T19:33:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/10/buy-and-hold-goon-to-rob-your-assumption-is-that-if-you-could-post-whatever-you-wanted-at-any-board-the-stock-market-would-behave-much-differently/</loc><lastmod>2017-06-23T19:40:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/11/buy-and-hold-goon-to-rob-you-are-the-only-one-widely-banned-i-dont-know-of-anyone-else-in-a-similar-circumstance/</loc><lastmod>2017-06-23T20:17:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/11/you-measure-success-by-how-many-dollar-bills-are-coming-in-i-measure-success-by-how-much-value-i-am-contributing-to-the-world-it-is-by-adding-value-that-we-create-the-wealth-that-permits-us-to-be/</loc><lastmod>2017-06-23T20:24:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/12/the-core-idea-of-valuation-informed-indexing-is-that-investors-should-be-trying-to-keep-their-risk-profiles-roughly-constant-over-time-risk-increases-as-price-increases-so-for-an-investor-to-keep/</loc><lastmod>2017-06-23T20:36:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/12/its-not-research-based-strategies-that-are-seeking-to-beat-the-market-it-is-get-rich-quick-strategies-that-are-seeking-to-beat-the-market/</loc><lastmod>2017-06-28T19:27:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/13/buy-and-holders-claim-that-their-strategy-is-not-aiming-to-beat-the-market-but-this-claim-is-fallacious-the-pe10-value-is-produced-by-the-market-the-buy-and-holders-do-not-take-the-pe10-value-i/</loc><lastmod>2017-06-28T19:42:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/13/buy-and-hold-goon-to-rob-if-pe10-is-everything-why-didnt-its-father-mention-it-in-that-article-why-is-he-now-giving-the-exact-same-advice-as-buffett-bogle-and-all-the-bogleheads-it/</loc><lastmod>2017-06-28T19:56:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/14/a-little-over-a-year-ago-i-began-attending-meetings-of-the-al-anon-12-step-program-you-may-recall-that-i-used-to-have-a-section-of-the-site-called-stock-drunk-get-rich-quick-inve/</loc><lastmod>2017-06-28T20:24:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/14/valuation-informed-indexing-348-buy-and-hold-possesses-great-intuitive-appeal/</loc><lastmod>2017-07-04T09:06:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/15/get-rich-quickbuy-and-hold-strategies-are-addictive-all-of-the-problems-that-we-see-associated-with-addictions-like-alcoholism-or-drug-abuse-or-gambling-or-whatever-are-present-in-the-case-of-buy/</loc><lastmod>2017-07-05T04:28:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/15/the-growing-desperation-of-you-goons-comes-across-in-each-additional-abusive-post-that-you-advance/</loc><lastmod>2017-07-04T09:31:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/16/i-have-not-come-across-a-single-buy-and-holder-who-is-willing-to-acknowledge-publicly-the-need-to-include-a-valuations-adjustment-in-a-retirement-study-i-have-known-a-good-number-who-are-willing-to/</loc><lastmod>2017-07-05T04:38:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/16/buy-and-hold-goon-to-rob-your-entire-15-year-jihad-of-futility-is-based-on-no-thats-not-the-question-robs-response-i-believe-that-the-question-that-a-safe-withdrawal-rate-study/</loc><lastmod>2017-07-06T12:50:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/17/we-are-all-suffering-from-our-collective-addiction-to-the-buy-and-hold-investing-strategy/</loc><lastmod>2017-07-06T13:13:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/08/17/the-factor-that-we-did-not-know-about-until-1981-is-that-the-market-always-eventually-closes-the-gap-between-the-emotionally-determined-price-and-the-real-economic-price-when-you-know-the-extent-t/</loc><lastmod>2017-07-06T13:26:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/18/buy-and-hold-goon-to-rob-the-market-has-concluded-that-you-are-irrelevant-robs-response-you-nailed-it/</loc><lastmod>2017-07-06T13:37:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/18/i-do-not-think-that-i-am-wrong-to-talk-about-financial-fraud-and-prison-sentences-but-if-i-am-handling-things-improperly-even-in-some-small-way-i-want-to-know-about-it-reflecting-on-the-words/</loc><lastmod>2017-07-06T13:53:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/19/some-are-committing-fraud-some-are-suffering-from-cognitive-dissonance-some-have-never-educated-themselves-re-these-issues-some-have-tried-to-educate-themselves-but-to-this-day-suffer-from-a-g/</loc><lastmod>2017-09-19T09:20:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/19/bogle-needs-to-address-the-blame-issue-in-a-public-statement-that-is-written-up-on-the-front-page-of-the-new-york-times-a-public-statement-by-bogle-will-put-all-the-nasty-stuff-in-the-past-where-we/</loc><lastmod>2017-07-07T17:27:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/20/buy-and-hold-goon-to-rob-john-greaney-is-a-nobody-rob-bennett-essentially-wasted-20-percent-of-his-life-because-of-some-internet-nobody/</loc><lastmod>2017-07-07T18:04:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/20/since-it-has-always-been-humans-buying-stocks-the-same-pattern-which-results-from-the-interplay-of-the-basic-human-emotions-repeats-over-and-over-again/</loc><lastmod>2017-07-10T09:52:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/21/buy-and-hold-goon-to-rob-this-absurd-claim-that-lots-of-people-agree-that-the-15-year-cover-up-of-the-errors-in-the-buy-and-hold-retirement-studies-is-the-biggest-case-of-financial-fraud-in-u-s-h/</loc><lastmod>2017-07-10T10:07:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/21/all-that-valuation-informed-indexing-is-is-buy-and-hold-with-the-one-error-that-has-been-discovered-in-it-fixed/</loc><lastmod>2017-07-10T10:18:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/22/the-wall-street-con-men-are-human-like-all-the-rest-of-us-give-them-the-opportunity-to-cover-up-their-mistakes-and-some-of-them-are-going-to-take-advantage-of-it-and-most-of-the-rest-are-going-to-k/</loc><lastmod>2017-07-10T10:31:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/22/valuation-informed-indexing-349-what-would-it-take-for-me-to-become-a-buy-and-holder/</loc><lastmod>2017-07-11T14:57:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/23/there-are-today-two-schools-of-thought-in-academia-re-how-stock-investing-works-that-reality-should-be-reflected-in-the-discussions-held-at-every-finance-site/</loc><lastmod>2017-07-11T15:07:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/23/buy-and-hold-goon-to-rob-the-stock-market-pre-1975-has-no-relevance-to-today-those-were-horse-and-buggy-days/</loc><lastmod>2017-07-12T05:43:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/24/people-who-cannot-admit-mistakes-should-not-be-giving-investing-advice/</loc><lastmod>2017-07-12T05:48:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/24/until-the-buy-and-holders-are-able-to-acknowledge-that-they-are-capable-of-error-we-cannot-get-the-accurate-studies-out-to-people-because-it-hurts-the-feelings-of-the-buy-and-holders-for-people-to/</loc><lastmod>2017-07-12T05:55:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/25/fama-did-not-test-long-term-timing-price-discipline-because-index-funds-did-not-exist-at-the-time/</loc><lastmod>2017-07-16T16:52:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/25/for-rationality-to-apply-market-participants-need-access-to-the-information-they-require-to-act-in-their-self-interest-the-buy-and-holders-have-taken-rationality-out-of-the-stock-market-by-assumi/</loc><lastmod>2017-07-27T20:19:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/26/valuation-informed-indexing-350-where-greenspan-went-wrong-in-doubting-his-ability-to-contain-irrational-exuberance/</loc><lastmod>2017-07-27T20:37:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/26/valuation-informed-indexing-350-the-4-percent-rule-points-us-to-the-average-safe-withdrawal-rate/</loc><lastmod>2017-08-22T09:40:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/27/why-do-challenges-to-buy-and-hold-upset-buy-and-holders-so-much-the-non-goon-buy-and-hold-defenders-should-be-thinking-this-one-over-i-think-it-is-because-these-questions-are-so-important-that-eve/</loc><lastmod>2017-07-27T20:57:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/27/if-shiller-had-published-his-nobel-prize-winning-research-in-1921-rather-than-in-1981-we-could-have-avoided-all-the-human-misery-that-we-saw-play-out-during-the-first-great-depression/</loc><lastmod>2017-07-27T21:03:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/28/valuation-informed-indexing-is-marketing-death/</loc><lastmod>2017-07-28T12:53:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/28/buy-and-hold-goon-to-rob-ben-graham-basically-said-the-same-thing-in-his-famous-book-that-has-been-read-the-world-over-and-the-market-still-behaved-the-same/</loc><lastmod>2017-07-30T12:08:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/29/buy-and-hold-is-the-investing-strategy-you-get-when-you-take-the-pre-1981-peer-reviewed-research-into-consideration-valuation-informed-indexing-is-what-you-get-when-you-take-both-the-pre-1981-peer/</loc><lastmod>2017-07-30T12:23:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/29/valuation-informed-indexing-352-undervaluation-is-as-bad-as-overvaluation/</loc><lastmod>2017-08-02T17:28:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/30/buy-and-hold-goon-to-rob-millions-of-americans-have-used-buy-and-hold-to-acquire-the-funds-for-their-retirements-that-means-that-buy-hold-did-indeed-work-for-far-more-than-a-single-investor/</loc><lastmod>2017-08-02T17:40:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/09/30/buy-and-hold-goon-to-rob-if-valuation-informed-indexing-had-a-superior-and-demonstrated-track-record-actually-implemented-then-i-would-have-no-problem-supporting-vii-and-investing-my-own-money/</loc><lastmod>2017-08-02T17:44:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/01/for-us-to-see-successful-valuation-informed-indexing-outcomes-we-are-going-to-need-to-start-talking-about-vii-at-every-investing-board-and-blog-on-the-internet-thats-how-it-is-done-you-t/</loc><lastmod>2017-08-02T17:55:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/01/buy-and-hold-goon-to-rob-buy-and-holders-dont-have-to-concern-themselves-with-theories/</loc><lastmod>2017-08-02T17:59:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/02/buy-and-hold-goon-to-rob-if-you-needed-heart-surgery-and-a-doctor-said-that-he-could-do-a-procedure-that-has-a-demonstrated-track-record-of-success-or-alternatively-he-said-that-you-could-try-thi/</loc><lastmod>2017-08-02T18:06:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/02/buy-and-hold-goon-to-rob-i-chose-the-path-that-has-a-proven-track-record-of-success-buy-and-hold-robs-response-given-that-those-are-your-sincere-beliefs-you-are-doing-the-right-thing/</loc><lastmod>2017-08-03T06:33:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/03/say-that-there-were-only-100-million-investors-in-the-world-that-would-be-5-from-each-of-them-i-think-it-would-be-fair-to-say-that-there-wont-be-one-investor-in-the-world-not-getting-a-w/</loc><lastmod>2017-08-03T11:22:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/03/you-didnt-use-any-valuation-metric-in-your-study-john-its-not-that-you-are-wedded-to-some-valuation-metric-other-than-pe10-all-of-the-financial-fraud-stuff-followed-because-you/</loc><lastmod>2017-08-03T15:00:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/04/he-has-not-yet-been-able-to-put-the-story-together-in-his-head-because-it-is-not-discussed-by-lots-of-different-people-at-lots-of-different-web-sites-thats-how-we-all-learn-about-any-sub/</loc><lastmod>2017-08-21T13:05:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/04/does-it-not-make-perfect-sense-to-divide-by-two-at-a-time-when-stocks-are-priced-at-two-times-their-fair-value/</loc><lastmod>2017-08-21T15:12:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/05/valuation-informed-indexing-353-shiller-has-lost-confidence-in-his-earlier-understanding-of-how-pe10-can-be-used-to-time-the-market/</loc><lastmod>2017-08-22T10:49:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/05/valuation-informed-indexing-354-risk-increases-steadily-as-stock-valuations-rise/</loc><lastmod>2017-08-22T10:54:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/06/valuation-informed-indexing-355-buy-and-hold-has-not-been-a-good-enough-strategy-over-the-years/</loc><lastmod>2017-08-22T10:59:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/06/in-future-days-it-will-be-widely-understood-that-it-is-the-job-of-the-investment-adviser-to-help-people-overcome-their-natural-inclination-to-be-drawn-to-buy-and-hold-strategies/</loc><lastmod>2017-08-28T10:05:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/07/you-dont-have-a-4-million-account-that-will-be-earning-a-return-of-6-5-percent-real-for-as-long-as-you-hold-it-you-have-a-4-million-account-that-will-be-earning-returns-far-below-6-5-per/</loc><lastmod>2017-08-28T10:13:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/07/if-you-have-fallen-for-the-smelly-buy-and-hold-garbage-you-cannot-engage-in-effective-financial-planning-to-engage-in-effective-financial-planning-you-need-to-get-the-numbers-at-least-roughly-rig/</loc><lastmod>2017-08-28T10:25:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/08/valuation-informed-indexing-356-valuations-explain-a-lot-but-not-everything/</loc><lastmod>2017-08-29T08:13:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/08/we-didnt-get-that-6-5-percent-annual-real-return-on-stocks-by-accident-we-have-that-amazing-return-because-we-permit-advances-in-every-other-field-of-human-endeavor-when-we-permit-advanc/</loc><lastmod>2017-10-08T18:04:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/09/buy-and-hold-was-not-designed-with-the-realities-of-human-nature-in-mind/</loc><lastmod>2017-08-31T15:47:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/09/buy-and-hold-goon-to-rob-you-are-the-one-making-attacks-you-call-people-goons-you-tell-people-they-are-going-to-prison-you-call-jack-bogle-a-con-man-after-wade-pfau-rejected-you-you-sent-o/</loc><lastmod>2017-08-31T15:59:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/10/you-are-absolutely-right-that-the-vast-majority-of-todays-investors-find-the-claim-that-buy-and-hold-is-dangerous-a-preposterous-claim/</loc><lastmod>2017-09-02T08:42:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/10/the-focus-is-not-the-numbers-the-idea-is-to-use-the-numbers-to-guide-the-emotions-it-is-the-emotions-that-have-been-largely-overlooked-in-this-field-what-shiller-really-showed-is-that-emotions-ma/</loc><lastmod>2017-09-03T14:35:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/11/your-name-was-brought-up-over-on-a-reddit-board-for-fire-minded-folks-and-it-ignited-quite-the-firestorm-some-people-were-wondering-if-youd-be-willing-to-go-over-there-for-an-ama-ask-me-a/</loc><lastmod>2017-09-03T14:49:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/11/site-visitor-named-max-rob-my-friend-you-tell-the-truth-yet-you-get-criticized-the-market-is-worth-billions-and-with-lots-of-money-comes-corruption-every-time/</loc><lastmod>2017-09-03T15:11:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/12/poster-at-sub-reddit-on-financial-independence-lets-bring-hocus-here-for-an-ask-me-anything/</loc><lastmod>2017-09-03T15:37:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/12/valuation-informed-indexing-357-it-doesnt-matter-much-how-long-it-takes-for-prices-to-return-to-fair-value-levels/</loc><lastmod>2017-09-06T12:56:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/13/buy-and-hold-goon-to-rob-hey-rob-you-gonna-share-the-loot-with-your-old-trolling-pals-from-days-gone-by-at-morningstars-vanguard-diehards-board-they-were-just-garden-variety-trolls-you/</loc><lastmod>2017-09-06T13:16:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/13/i-can-bring-in-a-higher-income-by-a-factor-of-500-or-more-by-doing-the-work-that-i-am-doing-today-i-have-spent-decades-developing-the-abilities-that-i-employ-to-do-this-work-i-want-to-put-my-tal/</loc><lastmod>2017-09-06T13:27:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/14/bogle-goon-to-rob-your-behavior-is-completely-disrespectful-robs-response-because-i-say-that-buy-and-hold-was-discredited-by-shillers-research-right/</loc><lastmod>2017-09-08T05:02:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/14/bogle-goon-to-rob-todays-pe-has-some-correlation-to-future-stock-returns-but-thats-a-far-cry-from-predicting-the-stock-market-is-going-to-crash-by-50-percent-in-the-next-three-years/</loc><lastmod>2017-09-11T05:16:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/15/buy-and-hold-goon-to-rob-youre-confusing-high-valuations-a-fact-historically-speaking-with-overvaluations-a-judgement-that-the-market-is-wrong-in-effect-that-youre-smarter-th/</loc><lastmod>2017-09-11T06:08:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/15/i-want-to-take-things-to-the-next-step-i-want-to-hear-what-shiller-believes-we-should-do-with-our-money-given-his-revolutionary-his-word-research-findings-i-want-buy-and-holde/</loc><lastmod>2017-09-11T06:20:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/16/there-is-no-way-to-solve-the-problems-without-being-willing-to-take-on-fire-from-you-goons-too-many-of-us-are-waiting-for-someone-else-to-solve-the-problem-and-the-reality-is-that-theres/</loc><lastmod>2017-09-11T06:28:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/17/it-wouldnt-work-to-post-a-new-blog-entry-each-day-saying-it-has-been-shown-for-the-500th-time-that-the-buy-and-hold-retirement-studies-really-really-really-do-not-contain-valuation-adju/</loc><lastmod>2017-10-17T07:55:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/17/i-want-buy-and-hold-to-be-subjected-to-sincere-and-polite-and-respectful-criticism-just-as-every-other-idea-advanced-in-the-united-states-is-subjected-to-sincere-and-polite-and-respectful-criticism/</loc><lastmod>2017-09-11T13:17:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/18/buy-and-hold-goon-to-rob-everything-you-have-said-is-out-there-the-world-has-responded-with-a-big-yawn/</loc><lastmod>2017-09-11T18:14:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/18/valuation-informed-indexing-358-the-valuations-correlation-is-stronger-for-safe-withdrawal-rates-than-for-long-term-returns/</loc><lastmod>2017-09-12T09:04:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/19/its-idiot-switching-that-gave-market-timing-a-bad-name/</loc><lastmod>2017-09-13T20:42:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/19/valuation-informed-indexing-359-is-the-year-2000-retiree-safe-yet/</loc><lastmod>2017-09-20T19:31:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/20/valuation-informed-indexing-360-there-is-no-floor-on-safe-withdrawal-rates/</loc><lastmod>2017-09-29T18:19:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/20/stocks-have-provided-an-annualized-real-return-of-2-25-percent-real-since-2000/</loc><lastmod>2017-09-29T18:55:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/21/if-we-are-not-even-able-to-make-the-case-for-why-buy-and-hold-is-so-dangerous-we-cannot-win-converts-to-the-approach-supported-by-the-last-36-years-of-peer-reviewed-research/</loc><lastmod>2017-09-29T19:03:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/21/its-scary-for-buy-and-holders-to-let-in-that-their-portfolios-are-only-worth-one-half-of-the-amount-that-they-have-thought-they-were-worth-but-the-benefits-of-letting-in-that-research-proven-real/</loc><lastmod>2017-09-29T19:13:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/22/all-ive-got-to-give-you-is-36-years-of-peer-reviewed-research-based-on-147-years-of-historical-return-data-if-thats-not-enough-for-you-nothing-could-ever-be-enough-for-you/</loc><lastmod>2017-09-29T19:24:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/22/there-is-no-obligation-for-anyone-to-discuss-what-you-want/</loc><lastmod>2017-09-29T19:33:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/23/buy-and-hold-goon-to-rob-there-are-no-financial-transactions-on-blogs-or-message-boards-therefore-there-can-be-no-financial-fraud-happening-on-blogs-or-message-boards/</loc><lastmod>2017-09-29T19:47:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/23/valuation-informed-indexing-361-investing-is-in-some-important-ways-a-community-act-rather-than-an-individual-act/</loc><lastmod>2017-10-04T10:55:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/24/no-one-has-to-take-my-word-re-death-threats-or-anything-else-a-simple-test-that-people-can-run-is-to-go-to-the-bogleheads-forum-point-out-that-there-are-no-valuation-adjustments-in-the-buy-and-hol/</loc><lastmod>2017-10-04T11:16:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/24/if-we-ever-reach-a-point-where-we-see-in-other-fields-of-human-endeavor-the-sort-of-resistance-to-new-ideas-that-we-have-seen-in-the-investing-advice-field-over-the-past-15-years-we-wont-b/</loc><lastmod>2017-10-04T11:42:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/25/this-is-a-paradigm-change-all-of-the-textbooks-are-going-to-need-to-be-rewritten-have-you-ever-heard-of-amazon-facebook-google-thats-the-kind-of-opportunity-we-are-looking-at-here-the/</loc><lastmod>2017-10-04T11:55:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/25/there-are-three-things-necessary-for-a-message-to-have-great-financial-value-to-the-person-delivering-the-message-1-it-must-be-powerfully-important-content-2-there-must-be-strong-interest-in-h/</loc><lastmod>2017-10-04T12:10:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/26/when-we-have-the-reassurance-of-knowing-that-lots-of-other-humans-are-having-the-same-thoughts-then-we-feel-confident-enough-in-what-our-reasoning-capabilities-tell-us-to-make-decisions-based-on-lo/</loc><lastmod>2017-10-04T12:23:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/26/one-of-the-things-that-i-love-about-the-bogleheads-forum-is-that-implications-of-bogles-ideas-are-being-teased-out-there-on-a-daily-basis-bogle-got-the-ball-rolling-re-those-ideas-but-the/</loc><lastmod>2017-10-04T12:41:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/27/some-people-try-to-retire-early-to-escape-work-i-wanted-to-retire-early-to-do-more-meaningful-work-that-is-what-motivated-all-of-my-saving-efforts/</loc><lastmod>2017-10-04T16:18:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/27/i-greatly-enjoyed-the-time-that-i-spent-at-the-bogleheads-forum-and-learned-a-lot-from-the-experience-and-made-lots-of-good-friends-but-i-was-not-willing-to-say-either-that-the-buy-and-hold-retirem/</loc><lastmod>2017-10-04T16:48:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/30/my-agenda-is-to-open-every-investing-site-on-the-internet-to-honest-posting-re-the-last-36-years-of-peer-reviewed-research-in-this-field/</loc><lastmod>2017-10-05T16:40:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/31/math-is-great-i-approve-of-math-but-math-can-only-take-you-so-far-at-some-point-you-have-to-do-something-with-the-math-if-the-buy-and-hold-retirement-studies-are-in-error-then-you-need-to-get-o/</loc><lastmod>2017-10-05T17:05:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/01/it-doesnt-make-much-difference-to-a-long-term-investor-whether-stocks-crash-next-week-or-double-in-price-from-here-and-then-crash-a-few-years-from-now-the-investor-loses-all-his-phony-gain/</loc><lastmod>2017-10-05T17:47:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/02/the-core-buy-and-hold-claim-is-that-timing-doesnt-work-its-thats-not-so-the-entire-thing-falls/</loc><lastmod>2017-10-06T16:53:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/03/why-do-you-feel-so-strongly-that-everybody-has-to-either-believe-in-buy-and-hold-or-at-least-pretend-to-believe-or-at-least-keep-his-or-her-mouth-shut-it-is-my-belief-that-buy-and-hold-is-dangerous/</loc><lastmod>2017-10-06T17:42:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/06/lots-of-people-tolerate-criminally-abusive-behavior-in-discussions-of-how-stock-investing-works-no-one-should-part-of-the-job-of-those-seeking-to-make-sense-of-stock-investing-in-the-year-2017-is/</loc><lastmod>2017-10-06T19:33:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/10/07/buy-and-hold-goon-to-rob-i-guess-i-will-have-to-wipe-away-my-tears-with-100-bills/</loc><lastmod>2017-10-08T10:39:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/07/13760/</loc><lastmod>2017-10-09T08:36:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/08/when-bogle-made-it-a-cardinal-principle-of-buy-and-hold-that-investing-should-be-rooted-in-realities-revealed-through-the-peer-reviewed-research-he-made-it-a-cardinal-principle-of-buy-and-hold-that/</loc><lastmod>2017-10-09T09:56:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/09/valuation-informed-indexing-362-the-stock-market-is-only-as-smart-as-the-investors-who-comprise-it/</loc><lastmod>2017-10-10T10:28:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/10/i-think-it-is-better-for-me-to-look-good-by-showing-the-humility-needed-to-admit-mistakes-than-it-would-be-for-me-to-look-good-by-creating-the-phony-impression-that-i-am-a-perfect-being-that-never-m/</loc><lastmod>2017-10-10T10:39:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/13/what-happened-in-2008-was-a-test-of-buy-and-hold-but-not-a-big-test-all-buy-and-holders-say-that-they-will-hold-through-anything-and-we-saw-that-that-is-not-the-case-some-including-the-a/</loc><lastmod>2017-10-11T05:29:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/14/the-people-who-held-back-from-telling-the-truth-about-harvey-weinstein-because-of-their-fear-of-his-intimidation-tactics-hurt-him-by-failing-to-speak-up-they-did-what-he-wanted-them-to-do-but-what/</loc><lastmod>2017-10-13T18:01:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/15/bogle-possesses-great-wealth-and-power-and-influence-and-he-is-not-averse-to-using-it-to-keep-lindauer-and-greaney-from-being-exposed-so-if-the-leaders-of-the-reddit-board-elect-to-permit-me-to-po/</loc><lastmod>2017-10-13T18:11:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/16/site-visitor-to-rob-i-will-never-go-back-i-feel-no-emotional-worry-this-way-with-buy-and-hold-i-lived-with-the-emotional-fear-of-losing-50-percent-of-my-retirement-portfolio-i-thank-you-again-fo/</loc><lastmod>2017-10-13T18:27:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/17/the-annualized-real-return-for-stocks-from-january-2000-through-december-2016-was-2-25-percent-real-something-very-very-odd-is-going-on-in-the-market-in-recent-years-and-it-is-the-most-important/</loc><lastmod>2017-10-14T19:34:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/20/the-difference-between-shiller-and-me-is-that-he-is-an-academic-and-i-am-a-journalist-shiller-adopts-an-ivory-tower-perspective-the-idea-is-the-truth-will-reveal-itself-over-time-regar/</loc><lastmod>2017-10-14T19:46:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/21/when-things-go-bad-for-those-who-rely-on-intimidation-tactics-things-go-really-really-really-bad-there-are-lots-of-people-who-experienced-the-intimidation-and-lots-of-people-who-are-going-to-tal/</loc><lastmod>2017-10-17T10:52:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/22/valuation-informed-indexing-363-some-moderate-thoughts-about-safe-withdrawal-rates/</loc><lastmod>2017-10-17T11:12:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/23/can-we-be-friends-despite-our-differences-re-these-matters/</loc><lastmod>2017-11-23T12:02:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/24/you-are-in-the-majority-re-the-substantive-issue-but-i-am-in-the-majority-re-the-procedural-issue-you-dont-get-to-decide-what-your-fellow-community-members-can-hear/</loc><lastmod>2017-10-18T09:43:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/27/board-owners-can-decide-who-can-and-who-cannot-participate-at-their-boards-so-long-as-their-purpose-is-not-to-advance-a-huge-cover-up-of-acts-of-financial-fraud-do-you-think-that-if-harvey-weinste/</loc><lastmod>2017-11-27T07:36:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/28/i-am-not-exactly-flexible-when-it-comes-to-stuff-on-the-wrong-side-of-the-felony-line-i-think-it-would-be-fair-to-say-that-i-am-famous-on-the-internet-for-my-lack-of-flexibility-re-this-sort-of-thi/</loc><lastmod>2017-10-22T13:51:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/29/bogle-goon-to-rob-please-explain-how-it-is-a-felony-when-you-have-posts-blocked-but-it-is-not-a-felony-when-you-block-posts/</loc><lastmod>2017-10-22T14:02:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/11/30/the-peer-review-committee-that-examined-the-trinity-study-should-have-rejected-it-on-grounds-that-it-contained-no-valuation-adjustment/</loc><lastmod>2017-10-22T14:17:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/01/why-havent-you-goons-demanded-such-a-statement-from-shiller-you-dont-want-a-statement-you-know-what-the-statement-would-say-we-have-known-intellectually-how-stock-investing-works-for-36-years/</loc><lastmod>2017-12-01T10:17:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/04/buy-and-hold-goon-to-rob-nothing-shiller-could-possibly-say-would-change-my-mind-about-how-to-invest-anyway/</loc><lastmod>2017-10-22T14:46:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/05/buy-and-hold-goon-to-rob-you-believe-that-you-personally-have-it-within-your-power-to-affect-whether-or-not-we-experience-the-biggest-social-catastrophe-in-u-s-history-which-makes-you-a-nut/</loc><lastmod>2017-10-22T14:53:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/06/theres-an-emotional-toll-that-has-to-be-paid-for-telling-people-what-the-last-36-years-of-peer-reviewed-research-tells-us-about-how-stock-investing-works-in-the-real-world-do-you-see-anyb/</loc><lastmod>2017-10-22T15:05:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/07/the-fact-that-he-was-hospitalized-each-time-he-drove-drunk-tells-us-that-driving-drunk-is-a-high-risk-activity-not-a-safe-one-so-it-is-with-retiring-at-a-time-of-high-valuations-and-using-a-4-per/</loc><lastmod>2017-10-22T16:00:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/08/it-is-the-worst-of-all-worlds-not-to-even-let-study-readers-know-that-there-is-an-academically-respected-alternative-to-the-buy-and-hold-numbers-if-the-retirements-really-do-fail-the-people-who-us/</loc><lastmod>2017-10-22T16:10:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/11/when-i-was-trying-to-figure-this-stuff-out-bogle-was-the-only-guy-i-discovered-who-talked-in-a-real-and-straight-talk-fashion-like-this-none-of-the-work-that-i-have-done-over-the-past-15-years-wou/</loc><lastmod>2017-10-23T09:49:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/12/none-of-us-like-to-make-our-friends-look-bad-there-is-no-way-to-talk-in-an-in-depth-way-about-what-the-last-36-years-of-peer-reviewed-research-teaches-us-without-making-our-buy-and-hold-blogger-fri/</loc><lastmod>2017-10-24T12:33:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/13/i-am-just-waiting-for-the-first-person-to-come-up-to-me-and-exclaim-you-are-so-lucky-to-have-been-the-person-to-discover-this-i-am-going-to-punch-that-person-in-the-nose-you-know/</loc><lastmod>2017-10-24T12:25:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/14/valuation-informed-indexing-364-how-a-small-minority-of-investors-controls-what-we-all-believe-about-how-the-stock-market-works/</loc><lastmod>2017-10-24T12:44:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/15/bogle-goon-to-rob-if-you-say-that-wade-pfau-is-a-liar-then-nothing-he-says-is-reliable-therefore-you-should-no-longer-refer-to-his-work/</loc><lastmod>2017-10-25T16:48:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/18/buy-and-hold-goon-to-rob-why-do-you-think-you-should-be-able-to-post-what-you-want-where-you-want-and-when-you-want-just-as-you-decide-what-you-will-allow-on-your-website-others-have-the-same-ri/</loc><lastmod>2017-11-04T20:26:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/19/this-is-the-biggest-case-of-internet-harassment-yet-seen-in-history-that-much-is-certainly-so-this-is-the-first-case-in-which-millions-of-lives-were-destroyed-as-a-result-of-the-harassment-campaig/</loc><lastmod>2017-11-04T21:21:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/20/believing-in-valuation-informed-indexing-at-our-boards-and-blogs-is-like-being-the-first-black-or-the-first-woman-ever-hired-at-a-big-corporation-you-have-this-feeling-that-if-you-make-one-mistake/</loc><lastmod>2017-11-04T21:32:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/21/valuation-informed-indexing-365-stocks-have-been-performing-poorly-for-a-long-time-but-most-of-us-havent-noticed/</loc><lastmod>2017-11-04T21:40:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/22/valuation-informed-indexing-366-investors-who-lower-their-return-expectations-at-times-of-high-valuations-should-lower-allocations-too/</loc><lastmod>2017-11-07T08:03:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/25/13836/</loc><lastmod>2017-11-13T07:07:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/26/valuation-informed-indexing-367-the-shiller-revolution-summed-up-in-two-sentences/</loc><lastmod>2017-11-14T07:09:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/27/could-it-be-that-shiller-just-doesnt-himself-see-the-benefit-that-comes-from-being-able-to-predict-long-term-returns-i-took-shillers-creation-to-places-that-he-never-intended-t/</loc><lastmod>2017-11-15T20:42:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/28/wade-pfau-according-to-one-of-the-bogle-goons-i-can-assure-you-that-this-is-all-part-of-robs-vast-mythology-in-which-he-seeks-to-make-himself-into-a-super-hero-fighting-the-evils-of-wall/</loc><lastmod>2017-11-15T21:05:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2017/12/29/valuation-informed-indexing-368-stock-price-booms-rarely-lead-to-stock-price-crashes/</loc><lastmod>2017-11-21T11:04:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/01/valuation-informed-indexing-369-the-biggest-problem-with-buy-and-hold-is-all-the-questions-it-takes-off-the-table/</loc><lastmod>2017-11-28T11:31:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/02/valuation-informed-indexing-370-the-biggest-problem-with-buy-and-hold-is-the-questions-it-takes-off-the-table-part-two/</loc><lastmod>2017-12-20T16:39:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/03/valuation-informed-indexing-371-the-biggest-problem-with-buy-and-hold-is-the-questions-it-takes-off-the-table-part-three/</loc><lastmod>2017-12-20T16:46:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/04/valuation-informed-indexing-372-the-bull-market-has-a-long-memory-of-bearish-times-and-thats-okay/</loc><lastmod>2017-12-20T16:52:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/05/valuation-informed-indexing-373-it-is-logically-inconsistent-to-buy-stocks-in-response-to-valuation-shifts-but-to-rule-out-selling-them-for-that-reason/</loc><lastmod>2018-01-01T15:30:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/08/it-is-my-strongly-held-view-that-you-goons-are-only-a-small-part-of-the-story-you-couldnt-get-away-with-what-you-get-away-with-if-the-get-rich-quick-urge-were-not-deeply-implanted-within-a/</loc><lastmod>2018-01-01T16:05:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/09/the-trinity-study-should-never-have-passed-peer-review/</loc><lastmod>2018-01-01T19:38:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/11/we-could-never-get-to-a-pe10-value-of-30-without-a-ban-on-honest-posting-being-in-effect/</loc><lastmod>2018-01-02T00:28:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/10/buy-and-hold-goon-to-rob-everyone-already-believes-thats-the-current-situation-that-is-everyone-except-the-tiny-handful-of-people-whose-behavior-is-so-atrocious-that-they-need-to-be-remo/</loc><lastmod>2018-01-02T00:27:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/12/the-members-of-the-committee-that-awarded-shiller-his-nobel-prize-are-saying-that-there-was-an-error-no-they-dont-say-it-directly-and-i-do-thats-a-plus-for-me-it-is-better-to-s/</loc><lastmod>2018-01-02T00:30:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/15/theres-money-to-be-made-selling-drugs-and-so-the-people-who-sell-drugs-would-no-doubt-prefer-to-set-up-a-system-in-which-no-one-can-ever-make-the-anti-drug-case-fortunately-we-do-not-liv/</loc><lastmod>2018-01-02T01:03:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/16/valuation-informed-indexing-374-what-buy-and-holders-really-believe/</loc><lastmod>2018-01-02T08:56:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/17/there-is-huge-leverage-in-opening-every-site-to-honest-posting-we-will-be-getting-hundreds-of-other-smart-people-involved-and-those-people-too-will-be-generating-hundreds-of-powerful-insights-and/</loc><lastmod>2018-01-17T07:29:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/18/none-of-us-can-learn-what-we-need-to-learn-from-a-single-discussion-even-an-honest-one-we-need-to-be-immersed-in-honest-discussions-with-lots-of-people-coming-at-the-various-issues-from-lots-of-d/</loc><lastmod>2018-01-08T19:16:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/19/buy-and-hold-goon-to-rob-everyone-can-already-post-honestly-everyone-that-is-with-the-tiny-exception-of-that-handful-of-cranks-who-absolutely-will-not-behave-in-a-civil-manner-cranks-have-alway/</loc><lastmod>2018-01-19T07:02:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/22/if-we-take-a-vote-you-are-going-to-win-the-vote-we-essentially-have-already-taken-a-vote-the-pe10-level-is-the-product-of-a-vote-by-the-community-of-investors-on-what-they-think-of-the-idea-of-i/</loc><lastmod>2018-01-08T20:15:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/23/buy-and-hold-goon-to-rob-we-have-only-your-word-that-wade-ever-said-that-or-ever-even-mentioned-vii-by-name-he-certainly-says-nothing-of-the-kind-today-in-fact-to-you-he-says-nothing-at-all/</loc><lastmod>2018-01-09T03:21:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/24/the-question-under-dispute-is-does-the-riskreward-analysis-change-when-valuations-change/</loc><lastmod>2018-01-09T03:30:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/25/we-do-not-believe-the-same-things-about-how-stock-investing-works-we-need-to-be-up-front-about-that-and-we-need-to-drop-the-use-of-all-intimidation-tactics-we-all-have-to-acknowledge-openly-and-c/</loc><lastmod>2018-01-25T08:33:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/26/you-are-failing-to-quantify-the-factors-you-describe/</loc><lastmod>2018-01-09T04:11:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/29/when-the-price-changes-the-emotion-changes/</loc><lastmod>2018-01-09T04:22:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/30/youd-need-a-phrase-something-like-twisting-burning-train-wreck-on-top-of-a-dumpster-fire-inside-a-toxic-waste-dump/</loc><lastmod>2018-01-09T04:46:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/01/31/valuation-informed-indexing-375-stock-investors-are-in-the-process-of-acquiring-self-knowledge/</loc><lastmod>2018-01-09T07:24:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/01/i-dont-think-that-bengen-is-a-villain-for-saying-that-the-safe-withdrawal-rate-is-4-5-percent-and-i-dont-think-that-greaney-is-a-villain-for-saying-that-it-is-4-percent-and-i-don/</loc><lastmod>2018-01-09T19:51:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/02/i-believe-strongly-that-the-site-administrator-at-motley-fool-should-have-booted-him-from-the-board-long-before-greaney-found-himself-in-circumstances-where-he-would-be-going-to-prison-down-the-line/</loc><lastmod>2018-01-09T20:01:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/05/we-are-all-part-of-the-lucky-generation-that-happened-to-be-walking-the-planet-when-the-last-big-piece-of-the-stock-investing-puzzle-snapped-into-place/</loc><lastmod>2018-01-10T16:08:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/06/set-up-a-debate-at-the-bogleheads-forum-well-make-history/</loc><lastmod>2018-01-10T16:13:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/07/buy-and-hold-goon-to-rob-just-because-you-were-able-to-browbeat-wade-into-emailing-the-trinity-guys-doesnt-mean-ill-do-your-bidding-too-set-up-your-own-damn-forum/</loc><lastmod>2018-01-10T16:18:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/08/do-i-believe-that-the-things-i-will-say-will-be-enough-to-keep-him-out-of-prison-altogether-i-think-that-they-will-probably-not-be-enough-i-think-they-will-help-if-i-could-snap-my-fingers-and-get-h/</loc><lastmod>2018-01-10T16:31:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/09/why-would-we-be-seeing-millions-of-failed-retirements-when-so-many-wonderful-people-helped-us-out-in-so-many-wonderful-ways-to-accomplish-so-many-wonderful-things/</loc><lastmod>2018-01-10T16:41:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/12/am-i-trying-to-get-the-word-out-or-am-i-trying-to-learn-myself/</loc><lastmod>2018-01-11T09:55:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/13/all-of-these-people-on-wall-street-know-what-it-means-to-say-that-stocks-are-priced-at-two-times-fair-value-but-their-emotions-their-need-not-to-defy-the-tribe-cancels-out-t/</loc><lastmod>2018-01-12T15:52:01-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/14/these-events-demand-an-explanation/</loc><lastmod>2018-01-13T04:23:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/15/by-the-time-shiller-showed-that-valuations-affect-long-term-returns-we-already-had-an-entire-industry-built-around-buy-and-hold-all-of-the-powerful-and-wealthy-people-who-were-making-their-living/</loc><lastmod>2018-01-14T04:40:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/16/well-all-be-working-together-in-the-days-following-the-next-price-crash-the-only-difference-is-that-there-will-be-more-human-misery-if-we-wait/</loc><lastmod>2018-01-14T04:45:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/19/valuation-informed-indexing-376-how-many-bullbear-cycles-are-required-to-prove-that-valuations-matter/</loc><lastmod>2018-01-16T12:47:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/20/bill-bengen-for-those-who-wait-for-a-low-enough-cape-to-invest-fully-in-stocks-it-has-been-a-frustrating-25-years-as-cape-has-been-below-its-average-of-about-16-only-about-25-of-the-time-during/</loc><lastmod>2018-01-16T13:23:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/21/anytime-that-anyone-writes-honestly-about-what-the-last-36-years-of-peer-reviewed-research-teaches-us-all-about-how-stock-investing-works-it-benefits-each-and-every-one-of-us-who-is-trying-to-do-th/</loc><lastmod>2018-01-16T13:56:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/22/there-is-only-so-far-that-we-can-go-until-the-story-has-been-written-up-on-the-front-page-of-the-new-york-times-people-are-afraid-to-have-their-careers-destroyed-people-are-afraid-to-have-you-goon/</loc><lastmod>2018-01-16T14:03:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/23/we-are-all-in-this-together-i-cant-lose-without-you-losing-too-you-cant-win-without-me-winning-too-there-are-no-two-sides-when-it-comes-to-learning-how-stock-investing-works-in/</loc><lastmod>2018-01-16T14:21:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/26/buy-and-hold-goon-to-rob-we-already-know-how-stock-investing-works-it-really-is-no-mystery-robs-response-if-we-already-knew-everything-that-we-will-ever-know-about-stock-investing-we-woul/</loc><lastmod>2018-01-16T14:28:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/27/our-laws-are-there-to-limit-our-behavior-in-cases-where-our-behavior-threatens-to-get-so-out-of-hand-as-to-destroy-us-and-others-we-flawed-humans-need-those-limits/</loc><lastmod>2018-01-17T05:40:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/02/28/if-i-refrain-from-commenting-on-the-lack-of-a-valuations-adjustment-in-the-retirement-study-posted-at-john-greaneys-web-site-thats-fearful-technically-honest-but-indirectly-dishone/</loc><lastmod>2018-01-17T10:46:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/01/bogle-did-not-acknowledge-his-mistake-when-shiller-revealed-it-in-1981-he-covered-it-up-and-everyone-who-makes-a-living-in-this-field-has-learned-in-the-36-years-since-that-if-you-dont-w/</loc><lastmod>2018-01-17T10:55:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/02/the-buy-and-holders-believe-that-all-gains-are-real-that-all-gains-are-caused-by-economic-realities-the-valuation-informed-indexers-believe-that-gains-that-are-caused-by-overvaluation-are-temporar/</loc><lastmod>2018-01-18T11:22:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/05/have-your-death-threats-ever-been-published-in-a-peer-reviewed-journal/</loc><lastmod>2018-01-18T11:33:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/06/if-valuations-affect-long-term-returns-then-it-is-emotion-that-drives-stock-price-changes-and-buy-and-hold-gets-every-single-question-it-has-ever-addressed-wrong/</loc><lastmod>2018-01-19T17:49:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/07/it-would-be-my-hope-that-once-we-permit-honest-posting-we-would-begin-to-see-more-people-coming-around-to-a-belief-in-valuation-informed-indexing-so-we-might-well-see-the-focus-move-in-that-direc/</loc><lastmod>2018-01-21T14:53:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/08/each-time-someone-pulls-a-punch-he-makes-it-harder-for-all-the-rest-of-us-the-only-way-out-of-this-mess-is-for-every-single-person-involved-to-say-exactly-what-he-or-she-believes-its-thr/</loc><lastmod>2018-01-21T15:00:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/09/right-now-it-takes-a-lot-of-effort-to-learn-what-you-need-to-become-a-valuation-informed-indexer-i-was-a-buy-and-holder-because-for-a-long-time-i-had-never-heard-the-other-side-of-the-story-until/</loc><lastmod>2018-03-09T08:54:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/12/if-death-threats-were-not-a-way-of-blocking-good-things-from-happening-death-threats-would-not-be-against-the-law-if-the-people-of-the-united-states-did-not-need-protection-from-you-we-never-woul/</loc><lastmod>2018-01-22T13:59:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/13/people-want-guidance-on-how-to-invest-their-money-shiller-did-not-direct-one-word-of-his-book-to-those-questions-why-those-are-the-questions-that-set-the-buy-and-holders-off-those-are-the-questi/</loc><lastmod>2018-03-13T07:54:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/14/valuation-informed-indexing-377-studying-safe-withdrawal-rates-is-the-best-way-to-learn-how-the-stock-market-works/</loc><lastmod>2018-03-14T07:39:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/15/shiller-has-never-put-forward-a-single-word-suggesting-that-investors-should-not-be-using-cape-to-practice-effective-long-term-timing-if-it-is-true-that-valuations-affect-long-term-returns-as-shil/</loc><lastmod>2018-01-24T10:29:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/16/buy-and-hold-goon-to-rob-no-one-as-in-literally-zero-persons-have-ever-cared-what-you-think-of-greaneys-study-why-do-you-say-such-stupid-things/</loc><lastmod>2018-01-27T06:20:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/19/we-are-arguing-over-whether-the-risk-associated-with-one-particular-asset-class-stocks-is-static-or-variable/</loc><lastmod>2018-03-19T08:27:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/20/buy-and-hold-goon-to-rob-as-always-you-insist-on-ignoring-the-point-raised-and-babbling-on-about-something-else-that-pisses-people-off-its-annoying-and-eventually-it-gets-you-banned-y/</loc><lastmod>2018-03-20T07:30:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/21/buy-and-hold-goon-to-rob-if-robert-shiller-posted-here-at-your-website-and-told-you-that-you-were-wrong-and-that-you-are-misrepresenting-his-work-would-you-agree-with-him-or-would-you-accuse-him/</loc><lastmod>2018-03-21T07:22:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/22/you-say-you-want-to-have-a-discussion-but-you-dont-you-have-your-topics-your-agenda-and-your-opinions-and-that-is-it-people-have-tried-to-explain-things-to-you-but-you-dont-li/</loc><lastmod>2018-03-22T06:13:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/23/the-people-who-posted-with-me-at-the-old-retire-early-board-were-real-human-beings-they-had-stories-they-had-hopes-and-disappointments-i-got-to-know-them-i-kidded-around-with-them-i-came-to-car/</loc><lastmod>2018-01-28T04:07:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/26/we-are-able-to-develop-general-rules-that-have-always-applied-in-the-past-and-base-our-strategies-on-a-belief-that-those-rules-or-something-not-too-terribly-far-different-from-them-are-likely-to-wor/</loc><lastmod>2018-03-26T05:58:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/27/this-is-the-first-of-the-four-economic-crises-that-we-have-suffered-as-a-nation-that-has-been-100-percent-optional/</loc><lastmod>2018-03-27T06:59:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/28/13995/</loc><lastmod>2018-03-28T06:07:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/29/the-promotion-of-buy-and-hold-strategies-always-leads-to-stock-crashes/</loc><lastmod>2018-03-29T07:27:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/03/30/i-would-prefer-by-a-factor-of-ten-to-let-too-much-goon-stuff-in-to-taking-too-much-pro-buy-and-hold-stuff-out/</loc><lastmod>2018-03-30T07:47:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/02/buy-and-hold-goon-to-rob-you-were-never-threatened-not-once-not-in-the-real-world/</loc><lastmod>2018-04-02T06:49:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/03/shiller-showed-that-it-is-investor-emotion-not-the-economic-realities-that-determine-stock-prices-and-what-have-we-seen-from-you-goons-for-16-years-now-insane-levels-of-emotion/</loc><lastmod>2018-04-03T11:18:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/04/there-should-be-thousands-of-people-exploring-the-implications-of-the-last-36-years-of-peer-reviewed-research-on-a-daily-basis-there-will-be-thousands-once-we-open-one-major-internet-site-to-honest/</loc><lastmod>2018-04-04T07:08:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/05/every-word-that-i-say-is-rooted-in-shillers-1981-findings-the-findings-that-caused-him-to-be-awarded-a-nobel-prize-we-need-to-know-not-just-what-rob-bennett-thinks-are-the-implications-of/</loc><lastmod>2018-04-05T06:27:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/06/buy-and-hold-goon-to-rob-your-classic-crank-mistake-is-assuming-that-second-brain-yours-is-in-any-way-remotely-equal-to-shillers-hes-a-nobel-winner-you-barely-understand-basic/</loc><lastmod>2018-04-06T08:20:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/09/the-buy-and-holders-tell-us-investors-that-we-are-perfectly-rational-creatures-thats-a-flattering-message-shiller-tells-us-that-we-are-highly-emotional-and-that-we-permit-our-emotions-to/</loc><lastmod>2018-04-09T11:28:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/10/the-situation-is-similar-to-the-one-we-have-with-environmental-pollution-if-we-pass-no-laws-relating-to-pollution-individual-companies-are-forced-to-pollute-the-environment-because-they-will-be-dr/</loc><lastmod>2018-04-10T05:42:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/11/when-we-get-to-the-other-side-of-the-big-black-mountain-we-will-never-again-need-to-worry-about-seeing-our-plans-for-the-future-disrupted-by-crazy-swings-in-stock-prices-things-that-possess-real-v/</loc><lastmod>2018-04-11T07:06:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/12/valuation-informed-indexing-379-your-lifetime-return-as-a-stock-investor-depends-on-the-point-of-the-bullbear-cycle-at-which-you-begin-investing/</loc><lastmod>2018-04-12T06:30:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/13/valuation-informed-indexing-380-if-shiller-is-right-stock-gains-are-often-not-a-good-thing/</loc><lastmod>2018-02-13T19:18:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/16/we-need-to-dig-deeper-we-need-interviewers-asking-shiller-hard-follow-up-questions-we-need-to-figure-out-what-he-truly-believes-about-all-this-stuff-it-is-not-at-all-clear-at-this-point-and-it/</loc><lastmod>2018-04-16T05:06:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/17/we-act-as-a-society-to-keep-a-bull-market-going-by-banning-honest-posting-so-long-as-people-cannot-gain-access-to-honest-reports-of-how-stock-investing-works-a-bull-market-can-continue/</loc><lastmod>2018-02-13T19:43:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/18/evolution-has-instilled-within-us-all-a-disinclination-to-break-with-the-herd-we-want-to-get-along-with-others-we-want-to-have-friends-we-want-to-be-popular-we-want-to-see-people-praising-us-and/</loc><lastmod>2018-02-13T19:51:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/19/there-are-lots-of-people-who-try-to-be-kinda-sorta-honest-to-a-limited-extent-and-get-away-with-it-i-want-more-i-want-to-provide-millions-of-people-access-to-honest-and-accurate-safe-withdrawal-ra/</loc><lastmod>2018-02-13T20:06:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/20/investors-need-to-focus-on-their-lifetime-return-not-on-what-is-going-on-in-the-market-at-any-one-particular-moment-in-time/</loc><lastmod>2018-04-20T07:47:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/23/site-visitor-not-to-even-have-an-intelligent-conversation-on-this-is-crazy-wall-street-is-powerful-but-not-more-powerful-than-the-people-there-are-a-lot-of-us-who-appreciate-what-you-have-done-i/</loc><lastmod>2018-04-23T06:02:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/24/each-time-someone-works-up-the-courage-to-stand-up-to-you-goons-it-makes-it-easier-for-all-the-rest-of-us-who-are-trying-to-work-up-the-courage-to-do-so/</loc><lastmod>2018-02-15T07:38:47-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/25/bogleheads-wiki-page-the-primary-driver-behind-creation-of-the-new-forum-was-acute-disruption-at-vanguard-diehards-resulting-from-morningstars-lax-moderation-policies/</loc><lastmod>2018-04-25T07:19:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/26/valuation-informed-indexing-381-the-stock-market-cannot-tell-us-which-economic-policies-are-best/</loc><lastmod>2018-04-26T05:34:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/27/the-federal-reserve-has-shown-itself-able-to-stretch-out-the-bear-market-to-a-time-period-longer-than-we-have-ever-seen-before-but-it-has-not-shown-an-ability-to-change-the-investor-psychology-that/</loc><lastmod>2018-02-21T19:34:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/04/30/it-is-possible-that-earnings-could-increase-enough-to-support-a-long-term-average-return-of-6-6-percent-real-or-6-7-percent-real-rather-than-the-6-5-percent-real-that-has-applied-for-150-years-now/</loc><lastmod>2018-04-30T05:12:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/01/it-became-industry-practice-to-ignore-shillers-research-findings-to-acknowledge-the-mistake-means-turning-the-entire-industry-on-its-head/</loc><lastmod>2018-05-01T06:35:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/02/you-want-to-make-it-so-that-no-one-who-points-out-the-dangers-of-buy-and-hold-can-make-money-with-the-thought-that-that-will-keep-people-quiet-about-the-dangers-of-buy-and-hold-i-want-to-take-it-in/</loc><lastmod>2018-05-02T06:00:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/03/it-is-certainly-a-positive-to-have-wade-and-michael-sharing-their-thoughts-on-the-matters-addressed-in-the-article-but-we-need-to-hear-them-sharing-their-thoughts-on-all-aspects-of-the-question-an/</loc><lastmod>2018-05-03T07:20:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/04/buy-and-hold-goon-to-rob-i-am-willing-to-give-anything-a-shot-for-a-period-of-time-1-3-years-but-spending-16-years-of-my-time-with-0-earnings-is-beyond-any-level-of-reason/</loc><lastmod>2018-02-24T05:30:01-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/07/buy-and-hold-goons-to-rob-thats-a-lie-and-even-if-it-wasnt-a-lie-so-what-talk-is-cheap-show-me-the-money/</loc><lastmod>2018-05-07T07:28:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/08/buy-and-hold-goon-to-rob-you-have-convinced-yourself-that-there-is-positive-stuff-but-it-just-isnt-true-somehow-we-all-think-we-are-different-and-that-it-will-all-work-for-us-even-thoug/</loc><lastmod>2018-05-09T04:08:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/09/its-not-at-all-hard-to-understand-what-to-do-or-why-you-need-to-do-it-the-hard-part-is-saying-the-words-i-and-was-and-wrong-lots-of-p/</loc><lastmod>2018-05-09T05:54:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/10/valuation-informed-indexing-382-does-it-help-to-add-a-moving-average-component-to-a-valuation-informed-stock-investing-strategy/</loc><lastmod>2018-02-27T07:10:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/11/most-people-look-at-the-numbers-on-their-portfolio-statement-to-see-how-their-investment-strategy-is-doing-so-most-people-are-not-inclined-to-demand-that-criminal-charges-be-brought-today/</loc><lastmod>2018-05-11T06:13:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/14/i-have-zero-intention-of-filing-any-criminal-charges-either-now-or-at-any-other-time/</loc><lastmod>2018-05-14T04:26:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/15/how-much-rational-behavior-should-we-expect-to-see-when-prices-have-gone-this-far-out-of-control/</loc><lastmod>2018-05-15T05:16:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/16/if-the-community-of-people-that-invests-in-stocks-to-provide-for-their-retirements-wants-to-open-the-internet-to-honest-posting-re-the-last-37-years-of-peer-reviewed-research-that-community-of-peop/</loc><lastmod>2018-05-16T05:48:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/17/valuation-informed-indexing-383-eight-implications-of-shillers-finding-that-valuations-affect-long-term-returns/</loc><lastmod>2018-03-06T16:13:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/18/site-visitor-to-rob-the-shiller-cape-ratio-provided-a-fairly-accurately-forecast-of-10-year-ahead-returns-for-a-while-since-the-mid-1990s-however-the-predictive-power-of-this-metric-has/</loc><lastmod>2018-05-18T08:38:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/21/valuation-informed-indexing-384-theres-a-risk-attached-to-lowering-your-stock-allocation-when-prices-are-high/</loc><lastmod>2018-05-21T04:35:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/22/if-on-january-1-1996-this-aspiring-retiree-had-700000-in-his-portfolio-not-one-responsible-person-would-say-that-he-should-be-handing-in-a-resignation-he-would-be-800000-short-the-market-i/</loc><lastmod>2018-05-22T08:49:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/23/the-distinction-between-short-term-timing-and-long-term-timing-is-the-entire-deal-the-mistake-that-the-buy-and-holders-made-was-to-fail-to-see-the-importance-of-that-distinction/</loc><lastmod>2018-03-15T16:01:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/24/a-situation-in-which-the-majority-intimidates-the-minority-into-self-censorship-is-not-healthy-and-leads-to-no-place-good-i-respect-my-buy-and-hold-friends-i-love-my-buy-and-hold-friends-but-i/</loc><lastmod>2018-05-24T06:16:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/25/valuation-informed-indexing-385-confidence-in-buy-and-hold-is-rooted-in-the-small-sample-size-fallacy-of-statistical-analysis/</loc><lastmod>2018-03-20T13:38:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/28/it-is-hard-for-the-scientific-community-to-accept-a-paradigm-change-when-one-is-thrust-upon-it-because-powerful-people-have-to-acknowledge-that-decades-of-work-that-they-have-done-is-pointless-or-wr/</loc><lastmod>2018-05-28T05:51:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/29/there-is-not-one-school-of-academic-thought-re-how-stock-investing-works-today-there-are-two/</loc><lastmod>2018-05-29T07:36:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/30/we-need-to-expose-the-cover-up-but-of-course-that-embarrasses-all-the-people-who-have-gone-along-with-it-for-all-these-years-thats-just-about-everyone-who-works-in-this-field-because-tho/</loc><lastmod>2018-03-21T15:12:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/05/31/valuation-informed-indexing-386-todays-stock-price-is-an-illusion/</loc><lastmod>2018-05-31T05:58:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/01/people-need-to-know-the-true-lasting-value-of-their-portfolios-for-all-sorts-of-financial-planning-purposes/</loc><lastmod>2018-06-01T06:25:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/04/shiller-says-that-it-is-investor-emotion-that-sets-stock-prices/</loc><lastmod>2018-06-04T05:38:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/05/in-every-market-that-exists-price-is-the-most-important-thing-that-buyers-need-to-keep-in-mind-at-all-times/</loc><lastmod>2018-06-05T03:49:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/06/bull-markets-are-an-emotional-phenomenon/</loc><lastmod>2018-06-06T10:54:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/07/all-human-beings-want-to-be-liked-and-so-we-end-up-with-bull-markets-and-the-bear-markets-that-follow-from-bull-markets-and-the-economic-crises-that-follow-from-bear-markets-shiller-showed-u/</loc><lastmod>2018-03-31T17:19:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/08/it-didnt-start-with-death-threats-it-started-with-small-expressions-of-disapproval-i-didnt-take-the-hint-i-continued-to-say-that-valuations-affect-long-term-returns-and-to-offer/</loc><lastmod>2018-06-08T04:48:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/11/me-being-wrong-doesnt-explain-what-we-have-seen-the-buy-and-holders-lack-confidence-in-their-own-strategy-thats-why-we-see-all-this-strange-behavior-we-have-an-emotional-time-bomb-out-there/</loc><lastmod>2018-06-11T01:57:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/12/in-ordinary-circumstances-there-would-be-huge-amounts-of-effort-being-put-into-the-project-of-figuring-out-which-of-the-two-nobel-prize-winners-is-right-and-which-of-them-is-wrong-we-haven/</loc><lastmod>2018-06-12T05:09:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/13/valuation-informed-indexing-387-the-dilemma-of-the-investor-who-elects-to-follow-a-research-based-strategy/</loc><lastmod>2018-06-13T06:07:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/14/valuation-informed-indexing-388-the-value-proposition-of-stocks-can-only-be-assessed-relative-to-what-is-being-offered-by-other-asset-classes-yes-or-no/</loc><lastmod>2018-06-14T03:47:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/15/more-people-are-affected-by-the-stock-market-today-than-has-ever-been-the-case-before-so-bubbles-have-the-potential-to-cause-more-harm-than-they-have-ever-caused-before-i-think-we-need-to-advance/</loc><lastmod>2018-06-15T05:04:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/18/i-do-not-agree-that-it-is-the-crazy-price-swings-that-somehow-cause-the-high-returns-associated-with-stocks-i-believe-that-stocks-provide-high-returns-because-the-underlying-businesses-are-highly/</loc><lastmod>2018-06-18T05:02:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/19/you-have-never-once-posted-an-external-link-to-any-of-those-things-if-they-had-happened-the-perpetrator-would-have-been-banned-instead-universally-you-were-banned/</loc><lastmod>2018-04-13T12:46:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/20/if-the-market-were-efficient-all-gains-would-be-rooted-in-economic-realities-and-thus-all-gains-would-be-good-but-if-valuations-affect-long-term-returns-as-shiller-showed-then-it-must-be-inves/</loc><lastmod>2018-06-20T06:46:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/21/in-this-1996-paper-shiller-brazenly-predicted-a-zero-percent-real-total-return-over-the-ten-year-period-starting-in-january-1996-instead-the-results-were-6-6-real-per-year-unlike-you-shiller-le/</loc><lastmod>2018-06-21T04:24:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/22/valuation-informed-indexing-389-shillers-economic-insights-are-more-important-than-his-investing-insights/</loc><lastmod>2018-06-22T05:47:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/25/buy-and-hold-goon-to-rob-you-constantly-present-yourself-as-the-one-wise-rational-sensible-person-in-a-world-where-all-the-rest-of-us-are-frightened-little-rabbits/</loc><lastmod>2018-06-25T06:51:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/26/the-answer-is-not-for-me-to-stop-speaking-up-about-my-doubts-re-buy-and-hold-the-answer-is-for-everyone-else-who-entertains-similar-doubts-to-insist-on-his-or-her-right-to-express-them-clearly-and/</loc><lastmod>2018-06-26T06:25:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/27/buy-and-hold-goon-to-rob-you-seem-to-firmly-believe-that-everyone-ought-to-be-a-social-justice-warrior-on-your-behalf-how-many-more-years-will-it-take-you-to-grasp-the-fact-that-the-world-doesn/</loc><lastmod>2018-06-27T06:04:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/28/buy-and-hold-goon-to-rob-are-you-the-only-one-posting-dishonestly/</loc><lastmod>2018-04-20T07:46:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/06/29/valuation-informed-indexing-390-irrational-exuberance-affects-a-lot-more-than-just-stock-prices/</loc><lastmod>2018-06-29T05:45:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/02/valuation-informed-indexing-391-fama-gave-us-a-powerful-engine-in-a-good-looking-car-shiller-provided-the-brakes/</loc><lastmod>2018-07-02T05:03:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/03/buy-and-hold-goon-to-rob-no-one-including-greaney-ever-said-that-his-study-had-a-valuation-adjustment-so-one-look-should-have-sufficed-why-would-you-keep-looking-hundreds-of-times-for-somethi/</loc><lastmod>2018-07-03T05:24:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/04/valuation-informed-indexing-392-shiller-in-1996-long-run-investors-should-stay-out-of-the-market-for-the-next-decade/</loc><lastmod>2018-05-08T07:45:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/05/i-have-said-the-words-i-could-be-wrong-thats-a-big-deal-when-people-say-i-could-be-wrong-it-becomes-possible-for-them-to-engage-in-civil-and-reasoned-discussions-with-others-hold/</loc><lastmod>2018-07-05T06:32:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/06/it-doesnt-take-years-of-schooling-to-be-able-to-determine-whether-a-retirement-study-contains-a-valuations-adjustment-or-not-hostility-toward-the-new-ideas-about-how-stock-investing-works/</loc><lastmod>2018-07-06T06:07:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/09/valuation-informed-indexing-393-to-say-that-stock-prices-are-determined-by-emotions-is-not-to-say-that-economic-developments-dont-matter/</loc><lastmod>2018-05-15T07:53:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/10/valuation-informed-indexing-394-buy-and-hold-is-both-consistent-with-common-sense-and-inconsistent-with-it/</loc><lastmod>2018-05-22T08:33:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/11/we-once-believed-that-buy-and-hold-was-the-answer-now-we-have-37-years-of-peer-reviewed-research-showing-that-that-is-not-the-case-in-ordinary-circumstances-we-would-have-had-a-national-debate-on/</loc><lastmod>2018-05-22T08:45:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/12/i-picked-up-the-ball-and-started-exploring-all-of-the-implications-of-shillers-research-findings-in-great-depth-i-have-been-doing-that-for-16-years-now-my-stuff-is-viewed-as-controversial-becaus/</loc><lastmod>2018-07-12T05:54:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/13/valuation-informed-indexing-395-buy-and-hold-is-adam-smith-economics-applied-to-stock-investing/</loc><lastmod>2018-05-29T07:42:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/16/we-need-everyone-participating-no-one-person-or-small-group-of-people-has-all-the-answers-we-need-to-hear-from-thousands-of-smart-people-all-offering-their-unique-perspectives-on-the-matter-that/</loc><lastmod>2018-07-03T05:21:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/17/it-will-take-thousands-of-articles-before-we-will-as-a-people-come-to-terms-with-all-of-the-exciting-investing-insights-that-shiller-opened-up-to-us-with-the-publication-of-his-nobel-prize-winning-r/</loc><lastmod>2018-07-17T04:03:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/18/the-buy-and-holders-dont-want-people-to-think-that-they-made-a-mistake-and-none-of-the-good-stuff-can-happen-until-they-do-if-shiller-is-right-the-buy-and-holders-are-wrong-thats-the-core-re/</loc><lastmod>2018-07-18T05:42:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/19/it-may-be-possible-to-apply-the-principles-of-valuation-informed-indexing-to-slices-of-the-market-smaller-than-the-entire-market-we-need-to-see-more-research-on-the-question-my-confidence-in-the-p/</loc><lastmod>2018-05-31T12:49:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/20/valuation-informed-indexing-396-would-you-prefer-to-see-stock-prices-double-or-drop-by-50-percent-over-the-next-12-months/</loc><lastmod>2018-07-20T08:42:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/23/valuation-informed-indexing-397-if-shiller-is-right-todays-investors-should-be-highly-emotional/</loc><lastmod>2018-06-12T07:49:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/25/over-the-course-of-a-lifetime-valuation-informed-indexers-go-with-the-same-stock-allocation-as-buy-and-holders-they-just-go-heavier-in-stocks-when-prices-are-good-and-less-heavy-when-prices-are-ba/</loc><lastmod>2018-06-18T16:21:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/26/we-all-need-to-be-concerned-with-the-functioning-of-the-market-as-a-whole-not-just-with-our-personal-returns-when-the-stock-market-becomes-mispriced-its-like-the-air-becoming-polluted-or/</loc><lastmod>2018-07-26T06:12:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/24/valuation-informed-indexing-398-putting-more-focus-on-valuations-would-make-indexing-more-popular/</loc><lastmod>2018-07-24T05:55:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/27/the-buy-and-holders-assume-that-there-is-no-need-to-engage-in-price-discipline-when-buying-stocks-and-then-to-set-up-very-high-hurdles-that-they-insist-that-those-arguing-in-favor-of-price-discipli/</loc><lastmod>2018-07-27T06:50:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/30/valuation-informed-indexing-399-shillers-ideas-about-stock-investing-havent-caught-on-because-they-represent-too-big-an-advance/</loc><lastmod>2018-07-30T05:47:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/07/31/buy-and-hold-has-over-time-become-the-opposite-of-what-it-was-intended-to-be-in-its-early-days-an-essential-part-of-the-scientific-process-is-an-ongoing-openness-to-learning-new-things-shiller-ta/</loc><lastmod>2018-07-31T05:59:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/01/buy-and-hold-goon-to-rob-valuation-informed-indexing-failed-you-have-been-wrong-you-just-cant-bring-yourself-to-ever-admit-it-because-then-you-would-have-to-admit-that-the-last-two-decades-of-y/</loc><lastmod>2018-08-01T05:54:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/02/valuation-informed-indexing-400-shiller-should-return-to-making-long-term-predictions/</loc><lastmod>2018-08-02T07:15:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/03/it-all-comes-down-to-one-thing-when-prices-go-up-beyond-fair-value-levels-are-the-extra-gains-the-product-of-economic-realities-as-the-buy-and-holders-believe-or-are-they-the-product-of-irration/</loc><lastmod>2018-07-05T06:46:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/06/site-visitor-i-read-the-intelligent-investor-by-graham-he-mentioned-at-least-50-times-or-more-that-before-you-invest-one-needs-to-be-sure-that-you-are-not-paying-too-much-for-sto/</loc><lastmod>2018-07-12T08:26:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/07/the-only-way-to-stop-the-crazy-price-jumps-is-to-explain-to-people-how-much-harm-they-do-to-all-of-us/</loc><lastmod>2018-08-07T06:21:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/08/valuation-informed-indexing-401-the-stock-market-should-produce-gains-of/</loc><lastmod>2018-08-08T04:28:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/09/it-is-a-terrible-mistake-to-engage-in-financial-planning-in-which-you-count-stock-gains-that-are-the-product-of-irrational-exuberance-as-if-they-are-real-money/</loc><lastmod>2018-08-09T06:26:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/10/valuation-informed-indexing-402-the-early-retirees-of-2000-were-burned-badly-by-our-collective-irrational-exuberance/</loc><lastmod>2018-08-10T04:38:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/13/valuation-informed-indexing-403-irrational-exuberance-is-a-pervasive-phenomenon/</loc><lastmod>2018-07-24T07:21:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/14/the-noise-will-come-in-the-days-following-the-next-price-crash-i-predict-lots-of-noise-i-predict-hundreds-of-visitors-at-this-site-every-day-perhaps-thousands-perhaps-tens-of-thousands-perhaps/</loc><lastmod>2018-08-14T04:56:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/15/if-shillers-research-is-legitimate-it-is-very-important-for-that-10-percent-over-time-to-become-20-percent-and-then-40-percent-and-then-80-percent-for-that-to-happen-people-need-to-be-ab/</loc><lastmod>2018-08-15T07:28:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/16/wade-pfau-spent-months-searching-the-literature-seeking-to-identify-a-single-peer-reviewed-study-showing-that-long-term-timing-might-not-work-or-might-not-be-required-he-came-up-empty-handed-100-p/</loc><lastmod>2018-08-16T04:46:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/17/valuation-informed-indexing-404-to-rule-out-market-timing-is-to-rule-out-price-discipline-when-buying-stocks/</loc><lastmod>2018-07-31T18:22:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/20/you-are-focused-on-the-question-of-when-the-pretend-gains-will-disappear-its-not-the-huge-big-deal-that-you-make-it-out-to-be-if-you-lose-50-percent-of-your-life-savings-in-2020-rather-th/</loc><lastmod>2018-08-03T19:06:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/21/if-markets-did-not-have-a-memory-returns-would-play-out-in-the-pattern-of-a-random-walk-thats-why-the-famous-book-that-popularized-buy-and-hold-was-titled-a-random-walk-down-wall/</loc><lastmod>2018-08-21T03:31:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/22/we-have-seen-a-nobel-prize-awarded-to-the-economist-who-showed-that-buy-and-hold-is-a-big-pile-of-smelly-garbage/</loc><lastmod>2018-08-22T04:19:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/23/to-keep-it-simple-lets-look-at-one-thing-i-put-a-post-forward-on-the-morning-of-may-13-2002-saying-that-the-retirement-study-posted-at-john-greaneys-site-lacks-a-valuation-adju/</loc><lastmod>2018-08-23T06:55:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/24/i-believe-that-the-buy-and-holders-made-many-hugely-valuable-contributions-to-our-understanding-of-how-stock-investing-works-i-think-of-them-as-friends-can-you-say-the-same-re-the-valuation-infor/</loc><lastmod>2018-08-24T04:11:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/27/valuation-informed-indexing-405-everyone-is-biased-about-stock-investing-strategies-because-everyone-employs-one/</loc><lastmod>2018-08-07T18:20:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/28/we-all-know-that-valuations-affect-long-term-returns-but-we-know-this-only-in-a-hyper-technical-intellectual-way-we-have-not-processed-the-information-and-integrated-it-into-our-understanding/</loc><lastmod>2018-08-11T20:08:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/29/there-are-cases-in-which-someone-drinks-six-cans-of-beer-and-does-not-get-in-an-accident-so-those-who-follow-the-buy-and-hold-approach-to-data-analysis-say-you-cannot-look-at-the-number-of-cans/</loc><lastmod>2018-08-28T08:39:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/30/people-are-skeptical-of-all-new-ideas-thats-normal-and-healthy-but-the-discussion-of-new-ideas-is-permitted-in-this-country-so-while-we-should-expect-support-for-new-ideas-to-grow-only-s/</loc><lastmod>2018-08-29T18:47:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/08/31/does-shiller-think-that-the-safe-withdrawal-rate-is-always-the-same-number-or-does-he-think-that-it-is-a-number-that-varies-with-changes-in-valuation-levels-does-shiller-think-that-the-loss-of-tril/</loc><lastmod>2018-08-13T12:03:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/03/buy-and-holders-count-all-gains-as-real-even-gains-attained-at-times-of-extreme-overvaluation-valuation-informed-indexers-do-not-we-believe-that-those-gains-are-the-product-of-irrational-exuberan/</loc><lastmod>2018-08-14T08:50:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/04/valuation-informed-indexing-406-it-doesnt-matter-all-that-much-how-long-it-takes-for-return-predictions-to-work/</loc><lastmod>2018-08-14T08:55:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/05/i-am-required-to-say-that-bogle-was-made-aware-of-the-lindauer-matter-by-numerous-posters-at-the-bogleheads-forum-and-did-nothing-about-it-thats-a-stone-cold-fact-and-that-is-what-i-am-goi/</loc><lastmod>2018-08-14T09:48:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/06/if-cognitive-dissonance-blocked-bogle-from-coming-clean-re-his-mistake-when-shiller-published-his-revolutionary-shillers-word-research-in-1981-which-i-believe-is-the-case-then-bogles-fr/</loc><lastmod>2018-09-06T04:18:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/07/we-have-published-posting-rules-at-virtually-every-investing-site-prohibiting-the-posting-tactics-that-the-buy-and-holders-have-employed-to-block-debate-thats-huge-that-shows-what-is-in-o/</loc><lastmod>2018-09-06T05:38:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/10/gains-that-are-the-product-of-economic-developments-are-lasting-you-can-count-on-those-gains-in-planning-your-financial-future-gains-that-are-the-product-of-investor-emotion-are-fleeting-you-cann/</loc><lastmod>2018-09-07T17:10:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/11/the-reason-why-our-laws-say-that-the-minority-may-speak-even-in-cases-where-the-voicing-of-their-views-is-unsettling-to-the-majority-is-that-there-are-circumstances-in-which-permitting-the-voicing-o/</loc><lastmod>2018-09-11T10:11:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/12/buy-and-hold-goon-to-rob-this-is-not-a-point-of-view-issue/</loc><lastmod>2018-08-18T06:12:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/13/in-the-world-of-science-things-can-be-questioned-if-buy-and-hold-is-beyond-question-buy-and-hold-is-not-the-product-of-science/</loc><lastmod>2018-09-12T17:40:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/14/valuation-informed-indexing-407-shillers-research-discredited-famas-research/</loc><lastmod>2018-08-21T07:22:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/17/valuation-informed-indexing-408-the-only-problem-with-valuation-informed-indexing-is-that-it-makes-buy-and-hold-look-bad/</loc><lastmod>2018-09-14T12:31:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/18/the-mistake-that-the-buy-and-holders-made-was-in-thinking-that-efficiency-is-automatic-efficiency-has-to-be-achieved/</loc><lastmod>2018-08-31T16:20:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/19/we-all-make-mistakes-shiller-has-made-them-bogle-has-made-them-i-have-made-them-you-have-made-them-the-trick-is-to-learn-from-our-mistakes-thats-how-we-get-better-at-things-over-time/</loc><lastmod>2018-08-31T16:31:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/20/we-wouldnt-have-a-stock-market-that-produces-6-5-percent-real-gains-if-we-didnt-encourage-learning-experiences-if-we-ever-get-to-a-day-where-we-are-so-reluctant-to-acknowledge-tha/</loc><lastmod>2018-09-20T06:53:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/21/valuation-informed-indexing-409-if-return-predictions-dont-work-shillers-research-has-no-practical-value/</loc><lastmod>2018-09-04T07:27:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/24/i-have-certainly-seen-j-d-roth-display-goon-tendencies-thats-unfortunate-but-i-have-also-seen-him-do-lots-of-wonderful-stuff-completely-anti-goon-stuff-so-hes-a-study-in-contr/</loc><lastmod>2018-09-07T12:02:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/25/those-who-follow-the-peer-reviewed-research-have-known-for-37-years-that-buy-and-hold-is-a-scam/</loc><lastmod>2018-09-10T06:57:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/26/valuation-informed-indexing-410-if-you-are-truly-bullish-on-america-you-want-stocks-to-be-priced-properly/</loc><lastmod>2018-09-11T08:58:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/27/you-do-not-speak-for-the-entire-community-if-there-are-10-percent-who-are-valuation-informed-indexers-that-10-percent-gets-to-decide-for-itself-what-constitutes-evidence-from-its-perspective-the/</loc><lastmod>2018-09-11T09:05:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/09/28/there-has-never-been-a-paper-showing-that-long-term-timing-price-discipline-doesnt-work-wade-pfau-spent-months-searching-the-literature-to-see-if-he-could-find-such-a-paper-and-he-came-u/</loc><lastmod>2018-09-13T10:00:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/01/the-most-important-research-was-the-1981-research-thats-what-changed-the-world-buy-and-hold-cannot-work-if-what-shiller-showed-in-1981-is-real/</loc><lastmod>2018-09-13T16:46:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/02/if-buy-and-hold-were-real-it-would-be-possible-to-engage-in-civil-and-reasoned-discussions-re-its-merit/</loc><lastmod>2018-09-14T12:26:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/03/i-think-it-would-be-fair-to-say-that-a-big-part-of-the-reason-why-progress-has-been-so-slow-is-that-most-valuation-informed-indexers-have-been-pulling-their-punches-for-37-years-so-as-not-to-annoy/</loc><lastmod>2018-09-16T15:49:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/04/buy-and-hold-goon-to-rob-you-must-deal-with-the-consequences-just-like-anyone-else-that-does-not-behave-in-a-proper-way/</loc><lastmod>2018-09-16T15:55:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/05/we-wouldnt-all-have-the-amazing-peer-reviewed-research-that-i-co-authored-with-wade-pfau-if-i-had-been-able-to-post-dishonestly-re-the-numbers-that-my-fellow-community-members-are-using-to/</loc><lastmod>2018-09-17T06:11:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/08/there-are-a-lot-of-normals-who-seeing-the-reaction-of-the-most-emotional-buy-and-holders-have-elected-to-keep-quiet-about-what-they-believe-and-what-they-have-seen-except-perhaps-to-note-their-dou/</loc><lastmod>2018-09-17T12:39:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/09/there-are-lots-of-good-and-smart-people-employed-in-some-way-in-careers-that-relate-to-stock-investing-most-of-them-feel-threatened-by-the-huge-intellectual-advances-achieved-by-shiller-they-are-g/</loc><lastmod>2018-10-09T07:26:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/10/all-of-the-controversy-that-we-have-seen-stems-from-the-37-year-cover-up/</loc><lastmod>2018-09-19T11:40:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/11/its-a-close-call-as-to-whether-bogle-actually-endorsed-valuation-informed-indexing-or-not-he-didnt-say-that-all-investors-must-make-the-allocation-changes-as-i-do-he-indicated/</loc><lastmod>2018-10-10T07:52:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/12/valuation-informed-indexing-412-theres-a-big-difference-between-saying-that-valuations-matter-and-exploring-how-they-matter/</loc><lastmod>2018-09-25T07:11:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/15/valuation-informed-indexing-413-investors-fall-victim-to-an-anchoring-bias-when-they-fail-to-quantify-the-effects-of-overvaluation/</loc><lastmod>2018-09-25T07:22:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/16/buy-and-hold-goon-to-rob-i-have-not-seen-one-single-scared-person-except-for-you-you-are-so-scared-you-have-to-make-up-stories-about-pretend-death-threats-job-threats-fraud-and-prison/</loc><lastmod>2018-09-25T11:48:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/17/those-are-good-people-their-goodness-evidences-itself-in-the-laws-that-we-have-enacted-and-in-the-published-rules-of-every-site-to-which-i-have-posted-their-cowardice-in-the-face-of-those-engaging/</loc><lastmod>2018-09-28T15:27:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/18/the-big-mistake-was-made-in-1981-bogle-should-have-come-out-within-days-of-the-publication-of-shillers-revolutionary-his-word-research-showing-that-buy-and-hold-can-nev/</loc><lastmod>2018-10-18T04:26:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/19/all-of-the-elements-of-buy-and-hold-other-than-the-crazy-idea-that-it-is-not-necessary-to-practice-price-discipline-long-term-timing-when-buying-stocks-have-been-proven-successful/</loc><lastmod>2018-09-29T15:49:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/22/i-dont-think-that-it-makes-sense-to-commit-criminal-acts-because-someone-on-the-internet-has-a-different-opinion-than-yours-as-to-how-stock-investing-works/</loc><lastmod>2018-09-29T15:55:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/23/valuation-informed-indexing-414-buy-and-holders-are-satisfied-with-their-strategy-because-they-dont-adjust-their-portfolio-statement-numbers-for-the-effect-of-valuations/</loc><lastmod>2018-10-02T10:44:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/24/i-dont-think-that-investment-advice-should-be-decided-by-taking-an-opinion-survey/</loc><lastmod>2018-10-04T06:35:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/25/human-beings-are-social-animals-we-want-to-be-liked-it-hurts-to-be-rejected-by-others-and-shillers-message-is-a-message-that-most-people-very-much-want-to-reject-i-am-telling-people-who/</loc><lastmod>2018-10-07T13:10:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/26/i-have-seen-some-very-smart-people-enjoy-the-click-moment-re-this-stuff-and-it-is-very-gratifying-to-see-that-i-want-to-see-that-with-millions/</loc><lastmod>2018-10-26T08:37:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/29/if-you-believe-that-the-buy-and-holders-got-into-this-with-good-intentions-as-i-do-then-it-follows-that-the-most-diehard-buy-and-holders-are-going-to-become-the-most-diehard-valuation-informed-ind/</loc><lastmod>2018-10-08T10:21:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/30/i-have-an-article-at-my-site-titled-something-like-12-reasons-why-valuation-informed-indexing-might-not-work-bogle-should-write-an-article-like-that-re-buy-and-hold-i-shouldnt-have-to/</loc><lastmod>2018-10-28T11:36:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/10/31/valuation-informed-indexing-415-buy-and-hold-is-dangerous/</loc><lastmod>2018-10-09T07:40:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/01/if-buy-and-hold-had-never-existed-everyone-would-get-valuation-informed-indexing-in-10-minutes-it-is-simple-clear-common-sense-stuff-but-most-people-have-heard-of-buy-and-hold-once-you-become/</loc><lastmod>2018-10-12T16:07:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/02/valuation-informed-indexing-416-its-a-mistake-to-try-to-identify-stock-bubbles/</loc><lastmod>2018-10-16T09:13:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/05/remember-when-wade-pfau-said-re-long-term-market-timing-that-it-hardly-matters-how-we-do-it-because-the-evidence-that-it-works-in-every-possible-circumstance-is-so-strong-that/</loc><lastmod>2018-11-02T17:48:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/06/the-things-that-wade-pfau-and-i-learned-together-are-things-that-will-shape-the-remaining-years-of-his-life-in-much-the-same-way-that-they-will-shape-the-remaining-years-of-my-life-the-circumstance/</loc><lastmod>2018-11-06T04:41:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/07/one-side-or-the-other-is-deeply-irrational/</loc><lastmod>2018-10-19T08:48:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/08/of-all-the-things-that-bogle-got-right-the-most-important-one-was-the-one-where-he-said-that-investors-should-look-to-the-peer-reviewed-research-for-guidance-on-how-to-invest-in-stocks-he-should-h/</loc><lastmod>2018-10-19T08:54:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/09/my-fantasyland-comes-with-a-nobel-prize-yours-comes-with-death-threats-and-demands-for-unjustified-board-bannings-and-thousands-of-acts-of-defamation-and-threats-to-get-academic-researchers-fired/</loc><lastmod>2018-10-19T09:00:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/12/at-the-very-bare-minimum-anyone-who-points-someone-to-one-of-the-buy-and-hold-retirement-studies-for-use-in-planning-a-retirement-should-let-that-person-know-that-there-are-today-two-schools-of-aca/</loc><lastmod>2018-11-12T06:58:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/13/an-oncologist-wants-to-know-everything-about-cancer-so-that-he-can-do-a-better-job-eradicating-it-because-he-loves-people-and-cancer-hurts-people-so-do-i-want-to-know-everything-about-goonishness/</loc><lastmod>2018-10-19T10:41:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/14/it-is-not-just-that-the-buy-and-holders-get-it-wrong-it-is-that-the-buy-and-holders-cannot-tolerate-anyone-else-getting-it-right-buy-and-holders-attack-those-who-advocate-research-based-strategies/</loc><lastmod>2018-10-20T12:39:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/15/valuation-informed-indexing-417-three-comments-that-reveal-the-buy-and-hold-mindset/</loc><lastmod>2018-10-23T07:22:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/16/robs-e-mail-to-quillette-com-transferring-his-article-arguing-that-buy-and-hold-is-dangerous/</loc><lastmod>2018-11-15T06:52:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/19/buy-and-hold-goon-to-rob-youre-as-helpless-as-a-newborn-babe-in-the-snow/</loc><lastmod>2018-10-25T10:13:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/20/im-not-willing-to-create-new-accounts-to-be-able-to-post-again-at-boards-that-banned-me-if-i-used-my-real-name-i-would-just-be-banned-again-if-i-didnt-i-would-essentially-be-lying/</loc><lastmod>2018-10-25T10:34:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/21/when-i-am-going-over-the-case-for-valuation-informed-indexing-in-my-head-to-determine-whether-i-might-have-gotten-something-wrong-this-is-the-question-that-my-mind-turns-to-i-have-explanations-for/</loc><lastmod>2018-10-29T13:37:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/22/the-problem-stems-from-the-fact-that-we-didnt-always-know-everything-there-is-to-know-about-how-stock-investing-works-and-when-shiller-published-his-nobel-prize-winning-research-the-buy-a/</loc><lastmod>2018-10-29T18:09:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/23/valuation-informed-indexing-418-the-shiller-revolution-is-about-shifting-the-focus-from-economics-to-emotions/</loc><lastmod>2018-10-30T08:54:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/26/as-a-society-we-have-to-deal-with-the-death-threats-and-job-threats-before-the-substantive-stuff-can-get-widely-known/</loc><lastmod>2018-11-26T07:06:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/27/none-of-the-things-that-you-ask-about-are-problems-once-they-have-been-exposed-the-problem-is-that-people-are-embarrassed-about-them-and-so-people-are-reluctant-to-bring-them-up-and-people-are-rel/</loc><lastmod>2018-10-30T09:25:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/28/ask-bogle-why-he-has-not-made-a-public-statement-asking-that-the-errors-in-the-buy-and-hold-retirement-studies-be-promptly-corrected-that-would-be-discussed-at-that-board-and-everyone-would-from-tha/</loc><lastmod>2018-10-30T10:00:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/29/its-when-investors-respond-to-overvaluation-by-lowering-their-stock-allocations-that-they-exercise-price-discipline-and-thereby-help-pull-prices-back-down-to-where-they-should-be-that/</loc><lastmod>2018-11-29T07:40:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/11/30/what-happened-at-the-retire-early-board-should-have-been-written-up-at-every-investment-discussion-board-and-blog-on-the-internet-the-violent-reaction-of-the-buy-and-holders-to-my-showing-that-grea/</loc><lastmod>2018-10-31T11:29:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/03/i-reported-on-the-errors-in-the-buy-and-hold-retirement-studies-on-the-morning-of-may-13-2002-neither-shiller-nor-bogle-has-reported-on-the-errors-in-those-studies-to-this-day-so-there-obviously/</loc><lastmod>2018-10-31T11:50:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/04/i-have-devoted-lots-of-energies-to-getting-people-who-work-in-the-investing-realm-interested-in-this-story-without-a-lot-of-luck-the-attached-article-explains-why-so-i-am-currently-sending-the-ar/</loc><lastmod>2018-11-15T13:29:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/05/i-think-that-if-we-regularly-engaged-in-interactions-in-which-we-disagreed-in-a-respectful-way-we-would-over-time-come-to-kid-around-with-each-other-and-become-good-friends-despite-our-differences/</loc><lastmod>2018-10-31T16:31:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/06/thinking-that-it-will-go-away-is-like-thinking-that-reminders-of-the-dangers-of-smoking-are-going-to-go-away-or-that-admonitions-against-cheating-on-your-spouse-are-going-to-go-away-or-that-recommen/</loc><lastmod>2018-11-01T10:25:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/07/i-think-it-would-be-fair-to-say-that-we-all-are-living-under-a-sort-of-spell-the-name-given-to-this-sort-of-spell-in-the-psychology-literature-is-cognitive-dissonance/</loc><lastmod>2018-11-02T05:07:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/10/the-errors-in-the-buy-and-hold-model-are-very-very-very-simple-and-obvious-ones-we-suffer-from-cognitive-dissonance-re-these-errors-because-the-errors-are-so-simple-and-obvious-that-we-assume-tha/</loc><lastmod>2018-12-07T12:57:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/11/greaneys-study-was-a-conservative-study-in-the-eyes-of-most-stock-investors-of-the-time-he-was-not-telling-people-that-the-safe-withdrawal-rate-was-higher-than-other-people-were-saying-he/</loc><lastmod>2018-12-10T05:02:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/12/all-of-the-people-who-you-refer-to-would-love-to-give-their-honest-take-on-every-question-read-your-own-comments-at-this-blog-if-you-want-to-know-why-they-dont-do-it-today-you-point-out-o/</loc><lastmod>2018-11-04T18:57:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/13/bull-markets-are-liars-markets-the-honest-thing-to-do-would-be-to-price-stocks-at-their-proper-value-but-as-a-society-we-have-elected-to-price-them-at-two-times-fair-value-because-there-is-a-temp/</loc><lastmod>2018-11-04T19:20:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/14/the-topic-is-a-bit-far-afield-from-the-sorts-of-things-you-usually-write-but-it-is-my-view-that-this-issue-affects-everyone-alive-today-and-should-be-of-interest-to-people-of-all-political-persuasi/</loc><lastmod>2018-12-14T11:31:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/17/your-point-that-we-dont-know-as-much-as-we-think-we-know-that-we-adopt-a-false-certainty-out-of-fear-of-acknowledging-to-ourselves-that-we-dont-know-all-the-things-that-we-need-to-know-to-ge/</loc><lastmod>2018-11-15T13:33:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/18/i-have-spent-16-years-exploring-the-issues-examined-i-know-that-sounds-crazy-but-i-have-been-a-journalist-my-entire-adult-life-and-it-is-my-sincere-belief-that-the-lack-of-general-awareness-of-the/</loc><lastmod>2018-11-15T13:35:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/19/valuation-informed-indexing-419-what-makes-stock-investing-hard-is-the-poor-feedback-mechanism-on-allocation-choices/</loc><lastmod>2018-11-06T09:02:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/20/people-who-belong-to-the-different-schools-should-not-be-enemies-we-should-be-working-together-to-try-to-arrive-at-the-truth-of-things-it-is-the-shock-that-causes-the-friction-and-the-shock-is-th/</loc><lastmod>2018-11-12T18:11:41-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/21/its-a-long-article-but-there-is-a-lot-of-blood-sweat-and-tears-backing-up-these-11300-words-i-can-assure-you-of-that-much/</loc><lastmod>2018-11-15T13:37:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/24/i-want-to-share-with-you-my-own-little-story-of-a-conspiracy-too-big-to-have-actually-happened-in-my-case-it-really-did-happen-seriously-this-is-the-product-of-16-years-of-work-effort-you/</loc><lastmod>2018-11-15T13:39:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/25/the-process-issue-that-new-ideas-may-be-discussed-whether-advocates-of-the-old-idea-want-those-discussions-to-take-place-or-not-is-what-our-country-is-all-about/</loc><lastmod>2018-11-13T05:56:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/26/i-can-promise-you-that-in-the-event-that-it-pulls-you-in-long-enough-to-get-the-reading-done-it-will-knock-your-socks-off/</loc><lastmod>2018-11-15T13:15:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/27/valuation-informed-indexing-420-most-of-us-are-more-buyers-of-stocks-than-sellers-of-stocks/</loc><lastmod>2018-11-13T08:37:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/28/if-the-question-is-permitted-buy-and-hold-goes-down-and-bringing-buy-and-hold-down-would-be-the-biggest-advance-in-the-history-of-personal-finance-it-is-because-we-cannot-question-buy-and-hold-th/</loc><lastmod>2018-11-14T05:44:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2018/12/31/buy-and-hold-came-first-and-valuation-informed-indexing-is-such-a-huge-advance-that-site-owners-dont-want-people-to-hear-about-it-it-makes-them-look-bad-when-people-hear-about-it-because-t/</loc><lastmod>2018-11-15T13:25:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/01/up-until-the-last-draft-i-did-not-mention-the-matter-of-criminal-prosecutions-taking-place-after-the-next-crash-people-hate-that-stuff-it-is-an-unpleasant-subject-to-talk-about-so-i-didn/</loc><lastmod>2018-11-16T10:12:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/02/i-have-a-story-to-tell-that-is-similar-in-important-ways-to-the-story-you-tell-in-the-article-titled-when-the-scientific-consensus-is-corrected-by-a-skeptic-your-story-showed-how-hard-it-can-be/</loc><lastmod>2018-11-18T13:16:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/03/the-problem-is-that-a-bunch-of-buy-and-holders-have-become-so-defensive-about-an-error-that-they-made-many-years-ago-that-they-are-willing-to-do-absolutely-anything-to-keep-the-word-from-getting-out/</loc><lastmod>2018-11-18T13:23:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/04/i-have-made-a-living-as-a-journalist-my-entire-life-and-it-is-my-belief-that-this-story-describes-the-most-important-public-policy-issue-before-us-today-i-know-that-sounds-overstated-but-it-is-my/</loc><lastmod>2018-11-18T13:59:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/07/wade-pfau-if-you-read-rob-bennetts-stuff-carefully-i-think-he-did-provide-an-important-contribution-in-terms-of-describing-a-way-for-pe10-to-guide-asset-allocation-for-long-term-conservat/</loc><lastmod>2018-11-19T09:54:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/08/what-do-you-think-the-pe10-value-would-be-if-we-permitted-honest-posting-on-the-peer-reviewed-research-at-every-site-it-would-be-at-fair-value-levels-no-people-would-invest-rationally-if-they-co/</loc><lastmod>2018-11-19T10:04:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/09/valuation-informed-indexing-421-we-cannot-ignore-valuations-out-of-a-desire-to-keep-investing-advice-simple/</loc><lastmod>2018-11-20T07:59:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/10/people-in-my-neighborhood-worked-hard-to-get-a-tiny-bit-ahead-accumulating-assets-that-could-be-used-to-help-the-next-generation-was-a-serious-business-for-them-there-was-something-honorable-and/</loc><lastmod>2018-11-25T14:01:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/11/i-believe-that-it-is-a-core-value-of-our-country-to-talk-things-out-i-accept-that-i-could-be-wrong-on-substantive-issues-but-i-have-a-core-belief-that-the-only-positive-way-to-work-out-differences/</loc><lastmod>2019-03-18T15:53:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/14/valuation-informed-indexing-422-shiller-is-anticipating-only-a-mild-recession/</loc><lastmod>2018-11-27T07:21:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/15/my-intent-is-to-present-enough-background-to-make-the-story-fully-understandable-and-thereby-to-get-you-interested-in-it-if-there-is-interest-in-the-story-i-can-of-course-write-something-that-focu/</loc><lastmod>2018-11-27T09:58:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/16/robert-shiller-is-an-elite-he-is-a-professor-at-yale-and-has-been-awarded-a-nobel-prize-i-dont-see-how-you-can-get-more-establishment-than-that-but-it-is-not-possible-to-discuss-the-implication/</loc><lastmod>2018-11-29T15:39:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/17/the-article-explores-an-issue-that-i-think-is-a-big-deal-the-intimidation-tactics-that-have-been-employed-by-advocates-of-the-buy-and-hold-investment-strategy-to-keep-people-from-learning-about-t/</loc><lastmod>2018-12-02T15:26:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/18/valuation-informed-indexing-423-turf-wars-affect-the-investment-advice-field-as-they-do-all-others/</loc><lastmod>2018-12-04T11:23:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/21/it-is-the-collapse-in-confidence-in-get-rich-quickbuy-and-hold-that-causes-prices-to-fall/</loc><lastmod>2019-01-21T08:24:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/22/the-one-thing-that-matters-is-the-extent-of-the-emotional-content-present-in-stock-prices-because-that-tells-us-the-extent-to-which-we-are-kidding-ourselves/</loc><lastmod>2018-12-10T09:34:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/23/people-who-try-to-share-their-thoughts-on-the-implications-of-shillers-research-are-intimidated-into-silence-by-advocates-of-the-buy-and-hold-model-so-most-investors-have-no-idea-how-dangerous-th/</loc><lastmod>2018-12-10T17:05:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/24/somehow-those-words-made-me-want-to-share-with-you-my-pet-ha-ethical-cause-the-need-to-tell-people-about-the-dangers-of-the-buy-and-hold-investing-strategy/</loc><lastmod>2018-12-10T19:29:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/25/valuation-informed-indexing-424-an-examination-of-bogles-semi-endorsement-of-valuation-informed-indexing/</loc><lastmod>2018-12-11T10:34:47-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/28/given-that-humans-lie-about-everything-they-do-and-that-it-is-only-humans-who-buy-stocks-humans-obviously-lie-about-stocks-do-you-think-it-is-a-better-approach-to-pretend-that-humans-become-100-pe/</loc><lastmod>2019-01-25T10:09:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/29/youre-a-liar-i-might-just-as-well-say-that-you-are-a-human-it-comes-with-the-territory-the-question-is-whether-you-want-to-make-use-of-the-tools-now-available-to-all-of-us-who-want-to-b/</loc><lastmod>2018-12-17T12:44:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/30/the-experts-couldnt-have-continued-making-the-mistake-if-we-had-called-them-out-so-we-are-all-in-on-it-that-makes-it-double-scary-acknowledging-that-it-was-the-heavy-promotion-of-buy-and/</loc><lastmod>2019-01-26T16:32:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/31/wade-pfau-wasnt-a-true-believer-when-he-contacted-me-he-was-intrigued-by-my-writings-in-this-field-thats-all-he-became-a-true-believer-only-in-time-as-he-explored-one-question-a/</loc><lastmod>2018-12-17T14:32:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/01/bogle-has-indicated-an-interest-in-knowing-the-answers-to-the-questions-explored-in-the-bennettpfau-research-and-bogle-is-one-of-my-heroes-so-i-certainly-am-proud-to-have-played-a-big-role-in-gett/</loc><lastmod>2018-12-17T14:45:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/04/valuation-informed-indexing-425-any-benefit-to-living-through-a-long-era-of-high-stock-prices-that-eventually-ends/</loc><lastmod>2018-12-18T11:06:41-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/05/if-shiller-published-his-research-today-it-would-set-off-a-nuclear-explosion-of-learning-experiences-our-problem-today-is-trying-to-recreate-that-experience-37-years-after-the-fact-for-things-to/</loc><lastmod>2019-02-02T09:05:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/06/shiller-published-his-revolutionary-his-word-research-showing-that-valuations-affect-long-term-returns-in-1981-buy-and-hold-has-not-been-updated-to-reflect-the-new-research-find/</loc><lastmod>2018-12-18T15:46:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/07/buy-and-hold-goon-to-rob-it-is-not-what-you-think-you-have-done-instead-it-is-what-others-say-you-have-done/</loc><lastmod>2018-12-18T15:55:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/08/buy-and-hold-goon-to-rob-what-exact-words-in-the-book-irrational-exuberance-talk-about-death-threats-job-threats-jury-trials-prison-sentences-and-500-million-windfalls/</loc><lastmod>2019-02-08T08:51:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/11/shiller-is-a-liar-in-some-circumstances-like-all-the-humans/</loc><lastmod>2019-02-11T04:43:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/12/my-profession-is-one-in-which-you-are-taught-to-expose-cover-ups-so-i-react-very-differently-to-death-threats-and-threats-of-career-destruction-than-either-bogle-or-shiller-do-they-worry-that-it-w/</loc><lastmod>2019-02-12T07:27:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/13/i-see-this-as-the-biggest-story-that-i-have-ever-come-upon-on-the-one-hand-that-makes-it-irresistible-to-me-because-i-want-to-be-the-one-to-help-people-re-this-matter-on-the-other-hand-it-makes/</loc><lastmod>2019-02-13T07:27:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/14/the-great-thing-about-the-internet-is-that-it-allows-ideas-to-spread-in-ways-that-they-never-could-before-the-bad-thing-about-it-is-that-many-people-see-the-spread-of-ideas-as-a-threat-and-see-that/</loc><lastmod>2018-12-20T07:54:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/15/its-called-buy-and-hold-is-dangerous-does-that-sound-boring-the-most-exciting-stuff-is-often-found-hiding-behind-a-boring-title-because-people-do-not-know-about-the-explosive-material-that/</loc><lastmod>2018-12-20T08:03:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/18/people-who-did-not-want-others-learning-about-the-new-approach-rooted-in-robert-shillers-research-findings-burned-the-board-to-the-ground-to-prevent-that-from-happening-it-hurt-to-see-that-mu/</loc><lastmod>2019-02-18T05:35:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/19/if-market-gains-are-caused-by-economic-developments-they-are-real-and-you-can-count-on-them-when-planning-your-retirement-if-they-are-caused-by-irrational-exuberance-then-they-are-cotton-candy-no/</loc><lastmod>2018-12-20T08:18:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/20/the-worst-of-it-is-that-the-case-that-the-rational-man-concept-is-a-myth-is-so-strong-that-it-embarrasses-the-professionals-who-rely-on-it-for-others-to-learn-how-faulty-their-analyses-are/</loc><lastmod>2018-12-21T12:27:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/21/valuation-informed-indexing-426-the-word-correction-misleads-us-about-what-small-stock-price-drops-may-signify/</loc><lastmod>2018-12-27T06:43:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/22/2018-was-like-all-the-other-years-from-2002-forward-i-was-undefeated-on-the-substance-side-and-i-had-no-victories-on-the-process-side/</loc><lastmod>2018-12-31T14:42:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/25/valuation-informed-indexing-427-theres-an-overton-window-in-the-investing-advice-realm-too/</loc><lastmod>2019-01-02T15:06:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/26/valuation-informed-indexing-has-been-delivering-higher-returns-at-greatly-reduced-risk-for-150-years-what-we-need-to-do-now-is-to-open-every-investing-site-on-the-internet-to-honest-posting-re-thes/</loc><lastmod>2019-02-26T07:22:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/27/all-of-the-evidence-is-on-one-side-of-the-table-and-all-of-the-power-is-on-the-other/</loc><lastmod>2019-01-09T12:49:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/02/28/valuation-informed-indexing-428-does-jack-bogle-believe-in-the-efficient-market-theory/</loc><lastmod>2019-01-10T07:47:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/01/the-brett-arends-article-in-the-wall-street-journal-the-market-timing-myth-arguing-that-the-advice-to-stay-fully-investing-in-stocks-at-all-times-regardless-of-how-high-prices-go-is-hooey/</loc><lastmod>2019-03-01T06:32:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/04/people-are-social-creatures-we-want-other-people-to-like-us-we-know-that-we-are-saying-something-shocking-when-we-question-buy-and-hold-we-hold-back-from-saying-things-that-we-would-say-if-we-did/</loc><lastmod>2019-01-10T17:08:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/05/the-emotional-side-of-the-stock-investing-experience-is-the-great-unexplored-continent-of-our-time/</loc><lastmod>2019-03-03T10:24:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/06/i-dont-think-that-i-suffer-from-a-delusion-i-think-that-i-suffer-from-holding-a-minority-view-on-an-issue-that-is-a-highly-sensitive-one-for-the-people-holding-the-other-point-of-view/</loc><lastmod>2019-01-11T08:09:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/07/it-is-only-a-civil-and-reasoned-debate-that-could-persuade-me-that-i-am-wrong/</loc><lastmod>2019-01-11T10:27:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/08/my-agenda-is-to-open-every-discussion-board-and-blog-on-the-internet-to-honest-posting-re-what-the-last-37-years-of-peer-reviewed-research-in-this-field-teaches-us-all-about-stock-investing-if-you/</loc><lastmod>2019-01-12T14:24:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/11/buy-and-hold-goon-to-rob-going-by-what-wade-pfau-said-last-youre-a-real-asshole/</loc><lastmod>2019-01-14T10:42:45-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/12/the-moment-in-which-i-pushed-the-send-button-on-that-famous-post-of-the-morning-of-may-13-2002-was-my-finest-moment-in-the-62-years-in-which-i-have-been-walking-planet-earth-all/</loc><lastmod>2019-01-14T11:27:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/13/while-i-have-a-good-bit-of-confidence-that-most-of-what-i-have-put-forward-has-great-value-i-would-obviously-feel-even-more-confident-in-that-assessment-if-every-site-had-been-open-to-honest-postin/</loc><lastmod>2019-01-14T11:57:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/14/i-take-bogles-ideas-and-update-them-to-reflect-shillers-research-and-i-take-shillers-theory-and-give-it-practical-significance-by-addressing-all-the-how-to-aspects-of-th/</loc><lastmod>2019-01-14T15:58:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/15/valuation-informed-indexing-429-bogle-is-wrong-to-advise-bigger-allocation-shifts-in-response-to-age-changes-than-in-response-to-valuation-changes/</loc><lastmod>2019-01-15T09:08:54-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/18/buy-and-hold-goon-to-rob-sure-we-can-open-every-investing-board-to-you-rob-here-is-what-you-have-to-do-1-stick-to-the-topic-instead-of-hijacking-a-thread-2-keep-your-responses-short-and-to-the/</loc><lastmod>2019-01-15T11:10:01-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/19/you-are-correct-to-note-that-it-is-a-personality-trait-of-mine-to-stick-to-a-routine-i-am-a-cautious-person-by-nature-i-think-that-is-one-of-the-reasons-why-i-spent-so-much-time-investigating-the/</loc><lastmod>2019-01-15T10:19:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/20/all-good-things-are-shocking-when-they-are-new-there-will-come-a-day-when-the-idea-that-valuations-affect-long-term-returns-and-that-valuation-adjustments-are-required-in-retirement-studies-will-no/</loc><lastmod>2019-01-18T12:59:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/21/someone-else-will-have-to-give-the-speech-that-brings-the-17-year-cover-up-to-a-full-and-complete-stop-shiller-could-do-it-buffett-could-do-it-bernstein-could-do-it-pfau-could-do-it-arnott-coul/</loc><lastmod>2019-01-18T15:41:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/22/buy-and-hold-is-a-numbers-based-strategy-bogle-has-never-updated-the-buy-and-hold-strategy-to-reflect-the-nobel-prize-winning-research-showing-that-a-valuation-adjustment-must-be-made-to-every-calc/</loc><lastmod>2019-01-19T15:43:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/25/buy-and-hold-goon-to-rob-wade-pfau-doesnt-talk-to-you-and-he-said-his-job-was-never-threatened/</loc><lastmod>2019-01-21T07:51:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/26/buy-and-hold-goon-to-rob-on-the-day-after-bogles-death-you-still-have-to-say-how-you-think-he-is-wrong-all-in-an-effort-to-try-and-promote-yourself-and-your-agenda/</loc><lastmod>2019-01-21T08:43:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/27/valuation-informed-indexing-430-the-strongest-argument-against-valuation-informed-indexing-is-the-long-stretch-of-time-that-stock-prices-have-remained-at-high-levels/</loc><lastmod>2019-01-22T07:52:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/28/valuation-informed-indexing-is-linked-to-everything-absolutely-everything-the-money-that-people-have-in-their-retirement-accounts-is-what-they-have-to-show-for-decades-of-work-in-our-economic-syst/</loc><lastmod>2019-01-24T12:44:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/29/it-would-be-better-not-to-have-any-investing-boards-than-to-have-them-and-to-ban-honest-posting-on-the-past-38-years-of-peer-reviewed-research-at-them-you-will-say-that-thats-a-strident/</loc><lastmod>2019-01-25T09:18:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/01/no-society-as-rich-as-ours-should-ever-have-to-endure-an-annualized-stock-return-of-2-4-percent-real-for-19-years-running-that-number-is-a-summation-of-the-horrors-of-what-the-widespread-promotion/</loc><lastmod>2019-04-01T07:27:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/02/ironically-it-is-the-promotion-of-buy-and-hold-strategies-that-causes-prices-to-get-so-out-of-whack-as-to-make-buy-and-hold-dangerous-if-investors-were-encouraged-to-practice-price-discipline-pri/</loc><lastmod>2019-01-28T08:37:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/03/wade-pfaus-personal-story-tells-the-tale-that-needs-to-be-told-better-than-any-research-paper-ever-could-your-threats-have-denied-a-valuable-resource-to-millions-of-people-in-desperate-need-of-i/</loc><lastmod>2019-01-28T09:51:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/04/70-of-the-problem-with-investment-advice-today-is-just-ignorance-another-20-is-cognitive-dissonance-fraud-is-10-percent-of-the-problem-we-can-dispel-the-ignorance-and-cognitive-dissonance-but-we/</loc><lastmod>2019-01-28T14:39:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/05/on-the-content-side-i-have-achieved-a-level-of-success-500-times-greater-than-the-highest-level-that-i-ever-thought-that-i-could-achieve-if-everything-in-my-life-worked-out-in-the-best-way-possible/</loc><lastmod>2019-01-28T14:46:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/08/rob-i-have-my-name-on-the-most-important-piece-of-peer-reviewed-research-published-in-this-field-in-the-past-30-years-buy-and-hold-goon-and-how-much-money-have-you-made-from-that/</loc><lastmod>2019-01-29T06:31:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/09/valuation-informed-indexing-431-investors-are-never-fully-aware-of-their-emotions/</loc><lastmod>2019-01-29T07:13:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/10/price-discipline-is-key-to-the-functioning-of-every-market-that-ever-existed-when-we-discourage-people-from-exercising-price-discipline-when-buying-stocks-we-set-up-circumstances-in-which-the-stoc/</loc><lastmod>2019-01-29T09:50:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/11/there-is-no-one-withdrawal-rate-that-works-in-all-circumstances-i-have-been-saying-that-since-the-morning-of-may-13-2002-and-now-this-article-points-out-that-michael-kitces-believes-this-as-well/</loc><lastmod>2019-01-31T06:09:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/12/things-he-said-because-you-goons-threatened-to-destroy-his-career-if-he-continued-doing-honest-work-in-this-field-obviously-count-for-nothing/</loc><lastmod>2019-01-31T09:44:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/15/it-took-wade-many-years-of-schooling-to-obtain-his-ph-d-in-economics-when-he-investigated-valuation-informed-indexing-he-was-performing-a-public-service-we-all-need-to-know-whether-it-is-indeed/</loc><lastmod>2019-01-31T10:45:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/16/valuation-informed-indexing-432-stock-price-crashes-of-50-percent-or-more-are-not-acceptable/</loc><lastmod>2019-02-05T07:13:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/17/there-is-only-one-difference-between-buy-and-hold-and-valuation-informed-indexing-buy-and-holders-believe-that-stock-price-changes-are-caused-by-economic-developments-if-thats-so-risk-is/</loc><lastmod>2019-02-05T14:01:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/18/long-term-timing-is-price-discipline-price-discipline-has-been-working-for-stock-buyers-for-as-long-as-stocks-have-been-available-for-purchase-the-bennettpfau-research-paper-shows-that-beyond-any/</loc><lastmod>2019-02-05T14:40:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/19/someone-had-to-expose-the-great-buy-and-hold-con-it-turned-out-to-be-me-i-dont-think-that-anyone-would-choose-17-years-of-this-for-any-amount-of-money-but-its-more-than-a-little/</loc><lastmod>2019-02-09T04:05:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/22/the-average-daily-high-temperature-in-new-york-city-in-january-is-39-degrees-ten-years-from-now-it-might-be-that-the-average-daily-high-temperature-in-new-york-city-is-40-degrees-or-38-degrees-but/</loc><lastmod>2019-02-09T04:22:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/23/what-john-greaney-has-done-is-500-times-worse-than-anything-that-bernie-madoff-has-ever-done/</loc><lastmod>2019-02-09T04:38:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/24/wade-pfau-described-the-bogleheads-forum-as-a-hostile-environment-huh-what-the-f-hes-a-pure-buy-and-holder-right-but-it-was-siegel-who-suggested-to-shiller-that-he-sh/</loc><lastmod>2019-02-09T04:56:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/25/everything-that-has-happened-to-me-over-the-past-17-years-is-powerful-evidence-that-shiller-is-right-re-his-revolutionary-his-word-ideas-about-how-stock-investing-works-shiller/</loc><lastmod>2019-02-11T10:37:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/26/valuation-informed-indexing-433-finding-a-middle-ground-between-buy-and-hold-and-valuation-informed-indexing/</loc><lastmod>2019-02-12T07:03:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/29/if-shillers-nobel-prize-winning-research-is-legitimate-research-the-dominant-investment-strategy-gets-it-precisely-backwards-the-last-38-years-of-peer-reviewed-research-shows-that-the-mos/</loc><lastmod>2019-02-15T15:42:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/04/30/the-fact-that-you-and-a-good-number-of-others-find-my-work-so-distressing-suggests-that-my-work-is-of-great-importance/</loc><lastmod>2019-02-16T07:54:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/01/valuation-informed-indexing-434-the-stock-market-is-comprised-of-humans/</loc><lastmod>2019-02-19T07:47:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/02/if-shillers-research-is-legitimate-then-stock-prices-are-set-by-shifts-in-investor-emotion-when-prices-are-at-the-crazy-levels-where-they-reside-today-we-should-be-seeing-an-insane-amoun/</loc><lastmod>2019-02-19T18:09:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/03/which-are-the-points-re-which-shiller-agrees-with-rob-bennett-which-are-the-points-re-which-shiller-disagrees-with-rob-bennett-which-are-the-points-re-which-shiller-is-not-sure-what-he-thinks-abou/</loc><lastmod>2019-05-03T18:30:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/06/valuation-informed-indexing-completes-buy-and-hold-as-much-as-it-replaces-it-all-of-the-stuff-in-buy-and-hold-that-has-stood-the-test-of-time-is-incorporated-into-the-new-model-it-is-only-the-one/</loc><lastmod>2019-05-06T07:27:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/07/the-obvious-follow-up-question-was-if-the-buy-and-holders-got-safe-withdrawal-rates-this-wildly-wrong-what-else-did-they-get-wrong-and-of-course-the-answer-was-everything-buy-and-hold/</loc><lastmod>2019-05-07T07:35:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/08/valuation-informed-indexing-435-why-i-call-buy-and-hold-a-get-rich-quick-strategy/</loc><lastmod>2019-02-26T07:17:45-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/09/valuation-informed-indexing-436-buy-and-hold-contributed-to-the-fleecing-of-the-millennials/</loc><lastmod>2019-03-05T07:22:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/10/valuation-informed-indexing-437-the-stock-market-requires-valuation-informed-investors-to-function-properly/</loc><lastmod>2019-03-12T07:06:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/13/one-issue-which-i-have-struggled-greatly-to-understand-is-the-question-of-why-stock-valuations-have-remained-insanely-high-for-longer-than-they-have-at-any-earlier-time-in-u-s-history-your-article/</loc><lastmod>2019-05-13T16:36:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/14/valuation-informed-indexing-438-the-internet-has-changed-our-understanding-of-how-stock-investing-works-in-both-good-and-bad-ways/</loc><lastmod>2019-03-19T15:21:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/15/the-comedian-is-the-person-who-questions-whether-saving-millions-of-people-from-suffering-failed-retirements-has-earned-compensation-of-a-very-big-multiple-of-500-million-if-it-were-only-one-milli/</loc><lastmod>2019-03-21T08:29:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/16/valuation-informed-indexing-439-buy-and-holders-view-shillers-ideas-about-stock-investing-as-akin-to-astrology/</loc><lastmod>2019-03-26T07:30:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/17/buy-and-hold-goon-to-rob-the-biggest-problem-with-vii-is-that-there-is-no-long-term-track-record-with-implementation-you-have-spent-too-much-time-trying-to-tell-people-that-their-investment-strate/</loc><lastmod>2019-03-30T08:36:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/20/greaneys-act-of-fraud-has-hurt-hundreds-of-times-the-number-of-people-who-were-hurt-by-madoffs-act-of-fraud/</loc><lastmod>2019-03-30T09:36:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/03/21/buy-and-hold-goon-to-rob-your-peers-have-found-you-guilty-and-have-banned-you-from-the-boards/</loc><lastmod>2019-03-30T18:10:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/21/say-that-the-big-factor-is-that-investors-felt-reassured-when-the-2008-price-drop-did-not-remain-in-place-for-long-if-that-is-the-true-reason-for-the-price-rise-we-should-all-be-scared-re-what-may/</loc><lastmod>2019-05-21T07:21:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/22/i-would-not-feel-comfortable-failing-to-exercise-price-discipline-others-would-not-feel-comfortable-engaging-in-market-timing-so-be-it-you-know-the-smart-way-to-play-it-is-to-try-to-learn-from-t/</loc><lastmod>2019-04-01T07:34:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/23/valuation-informed-indexing-440-in-an-investing-world-dominated-by-hype-cape-is-a-rare-truth-teller/</loc><lastmod>2019-04-02T08:29:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/24/its-the-mistake-that-the-buy-and-holders-make-over-again-treating-pretend-gains-irrational-exuberance-as-if-they-were-real-irrational-exuberance-is-not-real/</loc><lastmod>2019-04-02T08:39:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/27/the-buy-and-hold-stuff-is-just-a-marketing-gimmick-it-is-a-money-making-thing-the-idea-is-just-to-keep-you-dumb-so-that-you-will-do-what-you-are-told-if-a-car-dealer-told-me-not-to-ask-about-the/</loc><lastmod>2019-05-27T12:28:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/28/i-came-across-this-quote-from-upton-sinclair-it-is-difficult-to-get-a-man-to-understand-something-when-his-salary-depends-upon-his-not-understanding-it-thats-the-deal-buy-and-hold-is/</loc><lastmod>2019-04-02T09:00:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/29/valuation-informed-indexing-441-did-the-2008-crash-cause-people-to-become-more-confident-in-buy-and-hold-or-less-so/</loc><lastmod>2019-04-09T08:54:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/30/if-shillers-research-is-legitimate-then-we-need-to-change-all-of-the-course-material-that-leads-to-the-awarding-of-a-ph-d-in-economics-shiller-revolutionized-his-word-the-field/</loc><lastmod>2019-04-11T17:10:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/05/31/valuation-informed-indexing-442-shillers-research-findings-are-the-cancer-cure-of-the-investment-advice-field/</loc><lastmod>2019-04-17T08:22:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/03/i-dont-think-that-those-people-are-engaged-in-fraud-because-i-dont-think-that-they-are-aware-of-the-problems-with-the-studies-we-need-to-have-a-national-debate-re-these-matters-so/</loc><lastmod>2019-04-17T08:54:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/04/i-have-a-different-explanation-for-why-lots-of-others-did-not-make-the-point-before-me-people-need-to-eat-and-the-buy-and-holders-are-so-abusive-that-they-make-it-impossible-for-a-person-who-advoc/</loc><lastmod>2019-04-17T09:10:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/05/with-shillers-research-we-can-end-big-price-crashes-we-already-have-the-research-that-gets-us-there-and-we-have-already-recognized-that-research-with-a-nobel-prize-all-that-we-need-to-d/</loc><lastmod>2019-04-17T09:45:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/06/all-of-the-intimidation-stuff-tells-me-that-the-buy-and-holders-recognize-the-power-of-the-concept-if-they-didnt-see-great-power-they-would-not-behave-the-way-they-do-you-see-the-intimid/</loc><lastmod>2019-04-17T09:55:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/07/we-just-have-to-accept-that-rationality-cannot-be-assumed-we-have-to-work-to-secure-it/</loc><lastmod>2019-04-18T03:26:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/10/my-hope-is-that-i-will-be-the-catalyst-for-setting-off-the-national-debate-that-we-need-to-have-re-these-matters-if-i-pull-that-off-people-will-not-just-benefit-from-things-i-say-but-from-things-t/</loc><lastmod>2019-04-19T08:29:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/11/it-is-my-belief-that-the-story-did-not-get-out-when-shiller-published-his-research-because-the-buy-and-holders-were-suffering-from-cognitive-dissonance-now-they-cannot-stand-the-thought-of-word-get/</loc><lastmod>2019-04-21T12:49:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/12/the-thing-that-you-refer-to-as-this-whole-conspiracy-thing-is-the-fact-that-there-is-now-38-years-of-peer-reviewed-research-showing-that-there-is-precisely-zero-chance-that-a-buy-a/</loc><lastmod>2019-04-21T16:19:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/13/the-crime-is-ongoing-greaneys-study-has-not-been-corrected-to-this-day-the-bans-remain-in-place-the-abusive-posting-continues-wade-pfau-remains-afraid-to-work-with-me-to-promote-our-res/</loc><lastmod>2019-04-22T19:58:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/14/buy-and-hold-says-that-it-is-reason-that-matters-shiller-says-that-it-is-emotion-that-matters-all-that-i-have-seen-from-buy-and-holders-for-17-years-now-is-emotion-on-top-of-emotion-on-top-of-emot/</loc><lastmod>2019-04-21T19:15:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/17/valuation-informed-indexing-443-return-predictions-rooted-in-factors-other-than-valuations-dont-work/</loc><lastmod>2019-04-23T07:22:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/18/if-people-keep-leaving-flaming-bags-of-dog-crap-at-your-doorstep-for-17-years-the-sensible-person-would-come-to-the-conclusion-that-they-have-been-doing-something-wrong/</loc><lastmod>2019-04-25T20:21:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/19/valuation-informed-indexing-444-has-shilller-changed-anything-about-how-most-of-us-invest-today/</loc><lastmod>2019-04-30T10:49:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/20/as-a-society-we-desperately-need-to-know-whether-the-market-is-efficient-that-is-that-stock-prices-are-set-through-the-exercise-of-human-reason-or-whether-valuations-affect-long-term-returns-th/</loc><lastmod>2019-04-30T14:22:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/21/there-is-no-way-for-a-new-idea-to-grow-other-than-for-it-to-be-widely-discussed-thats-how-it-has-happened-in-every-case-in-history-in-which-a-new-idea-over-time-became-popular-if-there-ha/</loc><lastmod>2019-06-21T07:08:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/24/the-internet-has-great-potential-to-do-good-but-abusive-posters-like-you-goons-frighten-away-good-and-smart-people-when-word-spreads-that-i-have-received-a-500-million-settlement-payment-i-can-g/</loc><lastmod>2019-04-30T18:26:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/25/those-words-do-an-outstanding-job-of-highlighting-the-problems-that-we-all-need-to-overcome-re-these-matters-there-are-two-suggestions-made-in-those-words-1-that-it-is-not-a-big-deal-to-point-ou/</loc><lastmod>2019-06-25T08:17:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/26/the-underlying-problem-is-that-shillers-advance-is-so-big-showing-that-stock-prices-are-determined-by-investor-emotion-rather-than-by-rational-assessments-of-economic-developments-is-like/</loc><lastmod>2019-05-03T18:41:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/27/showing-that-stock-prices-are-set-by-emotion-rather-than-by-reason-is-a-breathtaking-change-an-advance-if-this-is-the-reality-it-changes-absolutely-everything-shillers-research-is-like/</loc><lastmod>2019-05-04T15:33:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/06/28/what-do-you-think-shillers-reaction-would-be-to-the-peer-reviewed-research-paper-that-i-co-authored-with-wade-pfau-i-think-it-would-be-very-positive-i-think-we-should-ask-him-we-should-l/</loc><lastmod>2019-05-05T17:16:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/01/valuation-informed-indexing-445-how-low-will-stock-prices-go-following-the-next-price-crash/</loc><lastmod>2019-05-07T08:48:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/02/when-the-buy-and-holders-persuade-most-investors-to-disdain-the-exercise-of-price-discipline-it-becomes-impossible-for-prices-to-be-set-right-through-normal-market-operations-thats-when-y/</loc><lastmod>2019-05-07T19:16:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/03/buy-and-hold-goon-to-rob-you-seem-to-think-that-people-have-to-convince-you-that-you-are-wrong-in-fact-it-is-just-the-opposite/</loc><lastmod>2019-05-09T05:38:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/04/my-primary-project-today-is-writing-the-book-investing-for-humans-how-to-get-what-works-on-paper-to-work-in-real-life-i-expect-to-finish-that-by-the-end-of-the-year-at-that-time-my-intent-is/</loc><lastmod>2019-05-12T12:51:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/05/valuation-informed-indexing-446-robert-shillers-research-is-the-best-response-to-the-growing-popularity-of-socialism/</loc><lastmod>2019-05-14T09:20:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/08/valuation-informed-indexing-447-five-strategies-for-weathering-market-declines-ineffectively/</loc><lastmod>2019-05-21T18:08:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/09/i-loved-your-article-explaining-how-thousands-of-wasted-studies-were-published-re-the-issue-of-depression-because-research-with-a-dubious-foundation-was-accepted-uncritically-by-too-many-i-have-dev/</loc><lastmod>2019-05-21T18:20:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/10/i-only-feel-competent-to-address-one-question-are-stock-prices-determined-by-rational-assessments-or-by-emotional-inclinations-there-are-lots-of-smart-people-around-who-address-themselves-to-all-o/</loc><lastmod>2019-05-23T10:22:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/11/look-at-what-the-price-indifference-that-is-at-the-core-of-the-buy-and-hold-project-has-done-to-us-over-and-over-again-over-the-years-a-great-depression-when-the-cape-value-hit-33-huh-what-the-f/</loc><lastmod>2019-05-27T12:54:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/12/valuation-informed-indexing-448-jeremy-grantham-casts-doubt-on-the-merit-of-the-valuation-informed-indexing-strategy/</loc><lastmod>2019-05-28T07:01:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/16/valuation-informed-indexing-449-grantham-still-believes-that-valuations-matter-he-just-also-believes-that-high-stock-prices-have-grown-sticky/</loc><lastmod>2019-06-11T06:44:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/15/i-wrote-draft-seven-which-is-largely-organized-but-still-somewhat-scattered-thoughts-placed-in-chapters-the-chapter-titles-are-a-lock-at-this-point-just-making-final-decisions-on-chapter/</loc><lastmod>2019-06-06T05:10:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/17/valuation-informed-indexing-450-high-stock-prices-have-grown-more-sticky-because-investors-are-more-emotional-than-ever-before/</loc><lastmod>2019-07-12T05:13:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/18/buy-and-hold-goon-to-rob-all-the-board-bannings-look-to-be-justified-the-largest-collection-of-defamation-can-be-found-on-this-website-all-you-have-to-do-is-just-stop-with-the-defamation/</loc><lastmod>2019-06-17T07:34:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/19/valuation-informed-indexing-451-the-stronger-the-suppression-of-challenges-to-high-stock-prices-the-stronger-the-panic-will-be-when-they-fall/</loc><lastmod>2019-06-18T07:23:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/22/the-baby-is-going-to-face-lots-of-hard-times-lots-of-terribly-rough-stuff-only-a-fool-would-not-understand-that-that-is-the-reality-but-the-baby-is-also-going-to-enjoy-lots-of-days-at-the-beach-a/</loc><lastmod>2019-06-25T07:38:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/23/valuation-informed-indexing-452-shiller-should-write-a-sequel-to-irrational-exuberance-titled-buy-and-hold-is-dangerous/</loc><lastmod>2019-06-25T07:53:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/24/the-buy-and-holders-not-only-do-not-encourage-long-term-market-timing-they-discourage-it-in-fact-they-engage-in-criminal-acts-to-block-millions-of-investors-from-learning-how-important-i/</loc><lastmod>2019-07-02T12:43:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/25/shiller-doesnt-feel-comfortable-calling-out-the-buy-and-holders-a-lot-of-whom-he-greatly-respects-and-has-friendships-with-re-the-financial-fraud-stuff-and-the-intimidation-stuff-i-get-i/</loc><lastmod>2019-07-02T07:53:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/26/valuation-informed-indexing-453-the-difficulty-in-persuading-investors-that-valuations-matter-is-that-they-matter-so-much/</loc><lastmod>2019-07-02T08:01:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/29/we-never-would-have-seen-a-single-abusive-post-or-a-single-criminal-act-had-you-goons-not-seen-the-intense-enthusiasm-that-about-10-percent-of-the-various-board-communities-showed-for-these-ideas/</loc><lastmod>2019-07-04T16:13:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/30/you-behave-the-way-you-do-because-you-have-seen-the-same-thing-that-i-have-seen-intense-interest-in-a-better-way-to-invest-on-the-part-of-about-10-percent-of-the-investing-population-whic/</loc><lastmod>2019-07-04T17:03:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/07/31/every-single-person-in-the-united-states-would-benefit-if-shiller-would-address-a-lot-of-the-questions-that-i-have-raised-over-the-past-17-years-about-the-implications-of-his-nobel-prize-winning-res/</loc><lastmod>2019-07-06T16:40:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/01/the-fact-that-wade-pfau-wont-speak-to-me-today-definitely-tells-a-tale-that-needs-to-be-widely-told/</loc><lastmod>2019-07-07T20:50:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/02/valuation-informed-indexing-454-risk-is-not-volatility-risk-is-not-knowing-what-causes-volatility/</loc><lastmod>2019-07-09T07:07:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/05/there-has-never-since-the-morning-of-may-13-2002-been-a-day-when-stock-prices-went-to-fair-value-levels-or-lower-except-for-a-very-brief-moment-in-early-2009-when-they-went-just-a-tiny-bit-below/</loc><lastmod>2019-07-09T16:54:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/06/we-cannot-think-about-something-until-we-give-ourselves-permission-to-talk-about-that-something-and-shillers-nobel-prize-winning-research-findings-are-something-that-we-very-very-very-mu/</loc><lastmod>2019-07-10T07:03:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/07/buy-and-hold-goon-to-rob-we-dont-need-to-seek-revenge-and-call-people-names-like-you-do-we-decided-long-ago-to-keep-working-and-saving-so-that-we-dont-have-to-struggle-in-retirem/</loc><lastmod>2019-07-10T11:05:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/08/i-could-live-with-it-if-you-told-people-that-buy-and-holders-believe-that-the-safe-withdrawal-rate-is-always-4-percent-but-also-let-them-know-that-those-who-believe-in-nobel-prize-winning-economist/</loc><lastmod>2019-07-10T17:22:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/09/we-cannot-get-over-the-ignorance-until-we-acknowledge-that-we-humans-are-capable-of-preferring-ignorance-so-long-as-it-makes-the-numbers-on-our-portfolio-statements-bigger-than-they-should-be-and-we/</loc><lastmod>2019-07-11T07:14:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/12/i-take-all-of-the-stuff-that-bogle-got-right-and-incorporate-it-into-my-analysis-then-i-add-the-stuff-that-shiller-got-right-so-that-the-stuff-that-bogle-did-actually-helps-people-instead-of-destro/</loc><lastmod>2019-08-11T21:07:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/13/once-the-ball-gets-rolling-we-will-build-up-more-and-more-momentum-we-all-want-to-obtain-higher-returns-at-less-risk-the-peer-reviewed-research-that-i-co-authored-with-wade-pfau-shows-us-how-to-d/</loc><lastmod>2019-08-11T21:12:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/14/throw-away-price-discipline-and-you-make-a-market-dysfunctional-throw-away-price-discipline-and-you-force-a-market-to-crash-the-core-purpose-of-a-market-is-to-get-prices-right-and-if-you-throw-aw/</loc><lastmod>2019-07-13T03:34:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/15/irrational-exuberance-is-irrational-you-know-high-stock-prices-are-irrational-it-is-true-that-investors-like-to-act-in-their-self-interest-so-if-we-permitted-honest-posting-could-we-even-hav/</loc><lastmod>2019-07-14T02:07:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/16/irrational-exuberance-disappears-in-a-crash-it-just-goes-poof-and-when-fantasies-disappear-people-see-things-that-they-didnt-see-while-the-fantasies-had-influence-over/</loc><lastmod>2019-07-14T14:26:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/19/there-is-a-huge-resistance-to-the-idea-of-acknowledging-what-the-last-38-years-of-peer-reviewed-research-teaches-us-about-how-stock-investing-works-in-the-real-world-acknowledging-the-far-reaching/</loc><lastmod>2019-07-14T14:39:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/20/all-of-the-women-who-have-accused-jeffrey-epstein-of-sexual-abuse-crimes-need-to-see-mental-health-professionals-too-according-to-epstein/</loc><lastmod>2019-07-14T15:05:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/21/valuation-informed-indexing-455-neither-buy-and-hold-nor-valuation-informed-indexing-are-truly-subject-to-a-testable-hypothesis/</loc><lastmod>2019-07-16T13:57:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/22/everyone-should-question-valuation-informed-indexing-everyone-should-also-question-buy-and-hold-it-is-by-questioning-our-ideas-and-the-ideas-of-others-that-we-learn-and-learning-is-the-one-true-f/</loc><lastmod>2019-07-16T18:08:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/23/i-think-that-i-have-accomplished-more-good-for-the-world-in-the-past-17-years-than-i-could-have-reasonably-expected-to-have-accomplished-in-50-full-lifetimes-if-big-mistakes-are-made-in-retirement/</loc><lastmod>2019-07-17T07:37:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/26/one-of-the-reasons-why-people-have-a-hard-time-believing-what-i-say-is-that-people-who-live-in-the-united-states-have-never-seen-a-case-of-financial-fraud-this-big/</loc><lastmod>2019-07-18T09:11:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/27/i-believe-in-occams-razor-too-when-you-point-out-an-error-in-a-study-that-thousands-of-people-have-used-to-plan-their-retirements-and-it-remains-uncorrected-for-over-17-years-there-is-som/</loc><lastmod>2019-07-18T09:16:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/28/i-need-others-to-help-me-insure-that-there-are-consequences-that-follow-when-you-engage-in-criminal-behavior/</loc><lastmod>2019-07-22T07:17:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/29/buy-and-hold-goon-to-rob-you-appear-to-make-the-claim-that-this-is-a-threat-against-you-yet-when-we-open-the-link-and-read-the-post-as-well-as-responding-posts-we-see-that-this-is-an-ongoing-dis/</loc><lastmod>2019-07-22T09:37:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/08/30/valuation-informed-indexing-456-the-black-swan-concept-confuses-our-understanding-of-how-stock-investing-works-more-than-it-illumines-it/</loc><lastmod>2019-07-23T12:07:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/02/buy-and-hold-goon-to-rob-write-your-own-book-and-say-what-you-want-to-say-but-leave-everyone-else-alone/</loc><lastmod>2019-07-23T12:17:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/03/we-dont-learn-just-by-publishing-peer-reviewed-research-thats-an-important-step-but-that-alone-doesnt-get-the-job-done-we-learn-by-talking-things-over-shiller-publishe/</loc><lastmod>2019-07-24T06:48:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/04/wikipedia-a-paradigm-shift-a-concept-identified-by-the-american-physicist-and-philosopher-thomas-kuhn-is-a-fundamental-change-in-the-basic-concepts-and-experimental-practices-of-a-scientif/</loc><lastmod>2019-07-25T08:59:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/05/valuation-informed-indexing-457-valuation-informed-indexers-have-a-big-edge-over-buy-and-holders-in-trying-to-focus-on-the-long-term/</loc><lastmod>2019-07-30T15:57:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/06/greaney-helped-a-lot-of-people-he-told-people-that-the-safe-withdrawal-rate-was-4-percent-if-he-had-not-been-saying-that-i-am-confident-that-a-lot-of-the-posters-at-the-old-motley-fool-board-woul/</loc><lastmod>2019-07-31T07:05:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/09/buy-and-hold-goon-to-rob-everyone-thinks-their-own-opinions-need-to-be-considered-what-matters-is-what-that-expert-consensus-feels-needs-to-be-addressed-robs-response-it-sounds-like-you-ar/</loc><lastmod>2019-07-31T21:17:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/10/buy-and-hold-goon-to-rob-your-entire-diatribe-is-taking-a-few-comments-from-a-couple-people-and-then-creating-a-whole-story-that-you-say-supports-your-position/</loc><lastmod>2019-08-01T07:42:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/11/there-is-no-research-supporting-the-buy-and-hold-claim-that-there-is-no-need-to-practice-price-discipline-long-term-timing-when-buying-stocks-wade-pfau-found-it-hard-to-believe-that-the-buy-and-h/</loc><lastmod>2019-08-01T16:43:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/12/i-am-commenting-on-all-research-shillers-research-discredits-famas-research-and-all-buy-and-hold-research-there-was-never-any-research-showing-that-long-term-timing-price-discip/</loc><lastmod>2019-08-01T16:56:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/13/i-expect-the-laws-of-the-united-states-to-be-followed-when-i-post-on-boards-where-people-meet-to-learn-about-retirement-planning-and-i-point-out-to-them-that-a-study-that-many-of-them-are-using-to-p/</loc><lastmod>2019-08-02T07:54:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/16/i-want-to-know-why-people-who-have-doubts-about-the-merit-of-the-last-38-years-of-peer-reviewed-research-have-those-doubts-and-i-want-to-learn-how-to-address-those-doubts-effectively-so-that-i-can-p/</loc><lastmod>2019-09-16T08:54:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/17/the-whole-discussion-board-thing-works-only-if-all-community-members-feel-100-percent-comfortable-posting-their-sincere-views/</loc><lastmod>2019-08-03T05:56:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/18/buy-and-hold-goon-to-rob-this-is-my-last-post-so-now-you-get-to-sit-around-with-a-permanently-empty-comments-section-a-website-that-has-little-to-no-trafficvisibility-and-exists-only-to-help-you/</loc><lastmod>2019-08-03T06:03:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/19/valuation-informed-indexing-458-permitting-honest-posting-on-how-stock-investing-works-changes-how-stock-investing-works/</loc><lastmod>2019-08-07T03:15:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/20/the-dispute-is-over-whether-those-big-price-drops-can-be-effectively-predicted-and-over-whether-those-big-price-drops-which-do-great-harm-to-millions-of-investors-and-indeed-to-our-entire-economic/</loc><lastmod>2019-08-09T13:13:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/23/valuation-informed-indexing-459-the-good-side-of-buy-and-hold/</loc><lastmod>2019-08-13T07:16:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/24/valuation-informed-indexing-460-how-should-we-measure-the-success-of-shillers-ideas/</loc><lastmod>2019-08-20T12:09:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/25/buy-and-hold-goon-buy-hold-and-rebalance-has-had-a-track-record-of-successful-outcomes-valuation-informed-indexing-has-not-it-is-like-comparing-a-drug-that-has-been-used-in-patients-for-years-sh/</loc><lastmod>2019-08-22T11:05:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/26/if-you-drop-the-criminal-stuff-you-will-have-people-at-hundreds-of-sites-discussing-what-the-last-38-years-of-peer-reviewed-research-teaches-us-all-about-how-stock-investing-works-in-the-real-world/</loc><lastmod>2019-08-22T18:29:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/27/buy-and-hold-goon-to-rob-if-you-had-links-to-that-criminal-stuff-other-than-your-comments-at-your-website-you-would-have-posted-them-you-cant-because-it-never-happened-and-doesn/</loc><lastmod>2019-08-23T11:57:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/09/30/price-discipline-that-is-what-is-lacking-in-buy-and-hold/</loc><lastmod>2019-08-24T12:14:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/01/i-look-forward-to-enjoying-a-few-cold-ones-with-you-when-we-both-make-it-to-the-other-side-of-the-big-black-mountain-and-are-laughing-together-about-the-stuff-that-went-down-in-the-old-days/</loc><lastmod>2019-08-24T14:41:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/02/you-dont-even-have-to-go-beyond-the-title-of-shillers-book-to-understand-that-the-buy-and-hold-retirement-studies-get-the-numbers-wrong-if-a-portion-of-our-stock-portfolios-is-comprised/</loc><lastmod>2019-08-25T14:03:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/03/when-millions-of-people-see-50-percent-of-their-retirement-savings-disappear-into-thin-air-for-no-good-reason-i-have-a-funny-feeling-that-they-are-going-to-know-that-someone-is-lying-about-how-this/</loc><lastmod>2019-08-25T14:10:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/04/will-the-market-recover-from-its-losses-eventually-it-will-but-it-could-take-investors-who-suffer-a-60-percent-price-drop-in-the-next-crash-years-or-even-decades-to-make-up-for-that-loss-we-all-o/</loc><lastmod>2019-08-26T06:14:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/07/valuation-informed-indexing-461-the-purpose-of-investment-research-is-to-learn-things-about-the-subject-that-are-not-intuitive/</loc><lastmod>2019-08-27T09:18:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/08/price-discipline-is-the-key-to-making-markets-work/</loc><lastmod>2019-08-27T09:23:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/09/if-large-numbers-of-investors-fail-to-practice-price-discipline-when-buying-stocks-the-market-eventually-crashes-because-there-is-no-other-way-to-get-prices-down-it-is-the-markets-core-function/</loc><lastmod>2019-08-27T09:31:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/10/before-he-died-i-was-telling-bogle-that-he-should-update-buy-and-hold-to-reflect-shillers-research-findings-had-bogle-done-that-buy-and-hold-would-work-i-have-a-funny-feeling-that-his-intentio/</loc><lastmod>2019-08-27T14:59:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/11/the-shift-from-buy-and-hold-to-valuation-informed-indexing-is-the-personal-finance-equivalent-for-the-cure-for-cancer-we-have-the-cure-in-our-hands-we-have-tested-it-and-100-percent-of-the-evidenc/</loc><lastmod>2019-08-29T10:45:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/14/there-are-two-burdens-of-proof-one-is-on-the-substance-issue-can-buy-and-hold-work-given-the-38-years-of-peer-reviewed-research-showing-that-valuations-affect-long-term-returns-the-burd/</loc><lastmod>2019-08-29T10:55:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/15/if-you-read-the-newspaper-reports-they-will-say-something-like-stock-prices-have-been-going-up-because-investors-are-more-confident-that-the-economy-will-be-doing-well-thats-a-rational-expla/</loc><lastmod>2019-08-30T04:54:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/16/wade-pfau-felt-quite-understandably-that-his-career-was-at-risk-if-he-continued-down-the-road-that-he-was-travelling-when-he-worked-with-me-so-he-got-off-of-that-road-he-was-proud-of-the-work-th/</loc><lastmod>2019-08-30T05:10:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/17/i-am-not-ashamed-of-my-behavior-from-may-13-2002-forward-i-am-proud-of-it-it-would-be-fair-to-say-that-i-am-somewhat-ashamed-of-my-behavior-prior-to-may-13-2002/</loc><lastmod>2019-08-30T05:23:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/18/buy-and-hold-goon-to-rob-you-make-stuff-up-and-you-are-a-prolific-liar-in-fact-a-group-of-people-created-a-website-just-to-track-all-of-the-things-you-have-made-up-and-lied-about-your-response-i/</loc><lastmod>2019-08-30T07:37:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/21/the-error-in-the-greaney-retirement-study-is-always-the-topic-a-failed-retirement-is-a-serious-life-setback-the-reason-why-we-as-a-people-study-investing-is-to-get-the-retirement-numbers-right-no/</loc><lastmod>2019-09-01T12:31:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/22/15076/</loc><lastmod>2019-09-01T12:58:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/23/there-is-all-the-difference-in-the-world-between-knowing-as-a-matter-of-theory-that-there-is-zero-chance-that-a-strategy-could-ever-work-for-even-a-single-long-term-investor-and-seeing-with-your-own/</loc><lastmod>2019-09-02T19:14:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/24/valuation-informed-indexing-462-it-is-more-true-to-say-that-timing-always-works-than-it-is-to-say-that-timing-never-works/</loc><lastmod>2019-09-03T06:23:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/28/when-one-of-us-shows-fear-of-you-goons-it-causes-others-to-become-more-afraid-when-one-of-us-works-up-the-courage-to-stand-up-to-you-it-helps-others-to-work-up-the-courage-to-stand-up-to-you-eac/</loc><lastmod>2019-09-03T16:53:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/29/buy-and-hold-is-rooted-in-price-indifference-valuation-informed-indexing-is-rooted-in-price-discipline-price-indifference-possesses-great-emotional-appeal-because-it-permits-investors-to-set-price/</loc><lastmod>2019-09-03T17:02:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/30/our-system-cannot-work-when-such-crimes-go-unreported/</loc><lastmod>2019-09-03T19:42:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/10/31/there-are-no-other-learning-and-teaching-opportunities-with-1500th-of-the-potential-of-this-one-available-today-in-this-world/</loc><lastmod>2019-10-31T07:11:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/01/the-buy-and-holders-didnt-know-about-the-importance-of-the-distinction-between-short-term-timing-and-long-term-timing-at-the-time-they-were-developing-their-strategy-shiller-showed-that-in/</loc><lastmod>2019-09-04T07:50:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/04/valuation-informed-indexing-463-there-is-no-polite-way-to-challenge-buy-and-hold/</loc><lastmod>2019-09-11T10:24:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/05/we-need-affirmation-from-other-humans-that-we-are-good-people-doing-useful-work-but-the-amount-of-affirmation-that-i-get-from-other-humans-comes-perilously-close-to-zero/</loc><lastmod>2019-09-11T10:41:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/06/valuation-informed-indexing-464-its-not-possible-to-make-sense-of-stock-crashes/</loc><lastmod>2019-09-17T07:33:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/07/picking-the-precise-day-that-a-crash-is-going-to-come-is-a-parlor-trick-its-such-a-trivial-thing-to-do-that-it-doesnt-interest-me-but-being-able-to-avoid-crashes-by-explaining-to-investors-how/</loc><lastmod>2019-09-17T19:24:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/08/look-at-where-you-will-stand-after-such-a-price-drop-and-you-will-see-that-you-would-have-been-better-off-if-we-had-just-let-stock-prices-increase-each-year-for-the-amount-of-economic-growth-experie/</loc><lastmod>2019-09-17T19:40:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/11/lots-of-people-work-in-their-sixties-its-not-exactly-a-death-sentence-i-feel-a-lot-better-working-in-my-sixties-than-i-would-if-i-sold-out-my-friends-and-said-that-i-now-believe-that-greaney-inc/</loc><lastmod>2019-09-18T11:22:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/12/please-go-to-greaneys-site-and-take-a-look-at-his-retirement-study-i-pointed-out-on-the-morning-of-may-13-2002-that-it-lacks-an-adjustment-for-the-valuation-level-that-applies-on-the-day-the-re/</loc><lastmod>2019-09-18T11:31:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/13/valuation-informed-indexing-465-buy-and-hold-rules-out-the-possibility-of-investors-exercising-price-discipline-when-buying-stocks/</loc><lastmod>2019-09-24T08:04:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/14/i-dont-agree-with-you-that-buy-and-holders-did-well-following-the-crash-i-agree-that-most-believe-that-they-did-well-they-believe-that-because-they-count-the-numbers-on-their-portfolio-statement/</loc><lastmod>2019-09-24T12:30:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/15/if-people-who-came-before-me-had-stuck-to-their-guns-and-insisted-on-their-right-to-post-honestly-the-things-that-happened-to-me-never-would-have-happened-so-i-am-helping-out-the-many-who-will-com/</loc><lastmod>2019-09-24T17:05:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/18/it-is-not-possible-that-both-fama-and-shiller-are-right-they-are-saying-opposite-things/</loc><lastmod>2019-09-24T17:37:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/19/valuation-informed-indexing-466-the-paragraph-in-shillers-book-warning-of-the-2008-economic-crisis-has-been-removed/</loc><lastmod>2019-10-08T17:44:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/20/valuation-informed-indexing-467-the-fact-that-the-safe-withdrawal-rate-changes-tells-us-more-than-the-number-itself/</loc><lastmod>2019-10-08T17:50:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/21/if-it-is-true-that-valuations-affect-long-term-returns-then-the-market-is-going-to-collapse-whenever-large-numbers-of-investors-come-to-believe-that-a-buy-and-hold-strategy-might-work-a-market-in/</loc><lastmod>2019-10-08T18:15:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/22/i-have-done-a-lot-to-make-sure-that-i-am-not-being-influenced-by-delusions-i-write-this-column-for-one-thing-if-i-get-something-wrong-here-some-smart-buy-and-holder-is-going-to-see-it-and-let-me/</loc><lastmod>2019-10-08T18:25:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/25/i-am-a-whistleblower-i-have-been-made-to-pay-the-price-that-whistleblowers-are-made-to-pay-i-blew-the-whistle-on-buy-and-hold/</loc><lastmod>2019-10-09T11:29:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/26/lots-of-people-have-doubts-about-buy-and-hold-but-are-afraid-to-give-them-public-voice-because-they-know-that-millions-of-people-have-their-retirements-riding-on-the-validity-of-the-strategy-we-are/</loc><lastmod>2019-10-09T12:06:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/27/valuation-informed-indexing-468-if-stock-prices-reflected-something-real-nothing-that-shiller-said-could-cause-them-to-collapse/</loc><lastmod>2019-10-15T08:15:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/28/market-timing-is-price-discipline-it-seems-to-me-that-any-strategy-that-suggests-that-market-timing-might-not-be-required-should-properly-be-called-a-scheme/</loc><lastmod>2019-10-15T14:31:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/11/29/the-last-23-years-were-the-worst-time-to-own-stocks-in-the-history-of-the-united-states/</loc><lastmod>2019-10-15T14:36:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/02/i-believe-strongly-that-shiller-showed-us-all-something-important-with-his-research-he-would-not-have-been-awarded-a-nobel-prize-if-he-had-not-done-so-i-believe-that-every-investor-alive-should-be/</loc><lastmod>2019-10-15T17:57:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/03/the-job-of-a-journalist-is-to-help-people-by-explaining-things-to-them-that-they-do-not-yet-fully-understand-it-wouldnt-be-possible-to-imagine-a-story-that-helps-more-people-than-this-one-that-is/</loc><lastmod>2019-10-16T02:07:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/04/opening-up-every-site-on-the-internet-to-honest-posting-re-these-matters-is-the-most-important-piece-of-public-policy-business-before-our-nation-today/</loc><lastmod>2019-10-17T14:36:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/05/your-problem-is-that-you-speak-for-people-who-you-have-no-business-speaking-for-you-say-people-dont-believe-what-you-say-no-you-dont-believe-what-i-say-you-can-say-that-mu/</loc><lastmod>2019-10-17T16:34:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/06/you-goons-are-more-intense-than-the-people-who-have-an-interest-in-learning-about-the-new-ideas-50-times-more-intense-nassem-taleb-wrote-about-how-a-small-minority-of-a-population-can-gain-influe/</loc><lastmod>2019-12-03T14:36:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/09/there-are-some-who-are-so-intense-in-their-hatred-of-any-consideration-of-the-last-38-years-of-peer-reviewed-research-that-they-have-engaged-in-criminal-acts-there-is-a-larger-number-who-personally/</loc><lastmod>2019-10-18T10:23:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/10/there-are-some-who-are-so-intense-in-their-hatred-of-any-consideration-of-the-last-38-years-of-peer-reviewed-research-that-they-have-engaged-in-criminal-acts-there-is-a-larger-number-who-personally-2/</loc><lastmod>2019-12-09T10:46:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/11/buy-and-hold-goon-to-rob-i-think-you-dwell-on-john-greaney-as-he-has-publicly-embarrassed-you-in-so-many-ways-and-you-have-always-wanted-revenge/</loc><lastmod>2019-10-18T11:32:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/12/why-the-heck-did-the-trinity-study-get-approved-by-its-peer-review-committee-part-of-the-scientific-process-is-acknowledging-errors-when-they-are-discovered-once-there-was-a-delay-it-became-embar/</loc><lastmod>2019-12-09T10:49:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/13/the-most-important-contribution-that-the-buy-and-holders-ever-made-was-their-claim-that-investment-advice-should-be-rooted-in-peer-reviewed-research-they-were-right-the-first-time/</loc><lastmod>2019-10-21T06:44:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/16/buy-and-hold-goon-to-rob-i-cant-find-one-single-piece-of-evidence-that-backs-up-a-thing-you-say/</loc><lastmod>2019-10-21T09:59:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/17/valuation-informed-indexing-469-shillers-breakthrough-was-not-to-show-us-how-stock-investing-works-it-was-to-show-us-how-to-change-how-it-works/</loc><lastmod>2019-10-22T07:33:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/18/we-should-all-be-jumping-up-and-down-in-excitement-that-shiller-provided-us-the-missing-piece-of-the-stock-investing-puzzle/</loc><lastmod>2019-10-22T15:07:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/19/your-abusive-posting-is-evidence-that-shiller-is-right-to-post-abusively-is-to-give-in-to-emotional-impulses-we-should-be-talking-about-this-stuff-on-every-site-the-buy-and-holders-cannot-imagine/</loc><lastmod>2019-10-22T17:38:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/20/most-investors-are-fine-with-being-misled-that-doesnt-make-it-okay-but-it-does-make-it-a-viable-marketing-strategy-to-mislead-investors-about-the-true-and-lasting-value-of-their-portfolio/</loc><lastmod>2019-10-23T17:19:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/23/if-shiller-is-right-it-was-the-promotion-of-buy-and-hold-strategies-that-was-the-primary-cause-of-both-the-great-depression-and-of-the-economic-crisis-of-2008-the-overall-effect-of-promotion-of-t/</loc><lastmod>2019-12-21T04:49:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/24/the-american-people-need-to-know-this-this-sort-of-thing-needs-to-be-written-up-on-the-front-page-of-the-new-york-times-if-researchers-are-afraid-to-do-honest-research-because-of-what-the-buy-and/</loc><lastmod>2019-10-25T08:18:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/25/shiller-showed-us-how-to-translate-the-emotional-piece-of-the-stock-investing-puzzle-into-numbers-with-his-cape-metric/</loc><lastmod>2019-10-25T17:43:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/26/valuation-informed-indexing-470-the-economic-crisis-did-not-end-it-has-been-in-remission/</loc><lastmod>2019-10-29T09:39:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/27/if-shiller-now-no-longer-believes-in-market-timing-and-bogle-before-his-death-had-come-a-long-way-to-endorsing-it-we-all-need-to-be-reconsidering-the-question-until-our-thinking-is-clearer/</loc><lastmod>2019-10-29T15:43:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/30/today-the-buy-and-holders-scare-people-into-thinking-that-they-will-pay-a-financial-penalty-for-exploring-shillers-research-thats-a-desperation-tactic-its-what-we-would-see-if-someone-came/</loc><lastmod>2019-10-30T15:29:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/12/31/market-timing-always-prevails-because-it-is-rooted-in-a-realistic-understanding-of-what-causes-stock-price-changes-while-buy-and-hold-is-rooted-in-a-mistaken-understanding/</loc><lastmod>2019-10-31T07:05:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/01/valuation-informed-indexing-471-the-mathematics-of-investing-is-not-difficult-but-it-is-flat-out-intolerable/</loc><lastmod>2019-11-05T07:30:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/02/if-shillers-nobel-prize-winning-research-is-legitimate-research-then-every-calculation-that-the-buy-and-holders-have-ever-done-is-in-error/</loc><lastmod>2019-12-29T06:15:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/03/we-see-a-mountain-of-gold-in-front-of-us-and-it-is-hard-to-accept-that-it-is-real-and-it-is-hard-to-understand-why-everyone-else-is-not-picking-up-the-gold-that-has-been-sitting-there-for-38-years-n/</loc><lastmod>2019-11-06T06:17:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/06/if-a-fellow-had-discovered-the-cure-for-cancer-and-people-who-worked-in-cancer-treatment-centers-harassed-him-for-17-years-and-kept-him-from-earning-an-income-would-you-conclude-that-the-value-for/</loc><lastmod>2019-11-07T07:56:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/07/the-aim-should-be-to-keep-your-risk-profile-roughly-constant-over-time/</loc><lastmod>2019-11-07T07:54:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/08/valuation-informed-indexing-472-strategic-assessments-in-the-investment-realm-involve-both-short-term-and-long-term-considerations/</loc><lastmod>2020-01-29T14:21:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/09/i-have-attended-numerous-financial-blogger-conferences-and-at-each-one-that-i-have-attended-i-have-spoken-to-financially-successful-bloggers-who-have-told-me-that-they-regretted-the-abusiveness-that/</loc><lastmod>2019-11-12T11:21:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/10/for-the-new-model-for-understanding-how-stock-investing-works-to-gain-support-there-has-to-be-widespread-discussion-of-the-issues-until-we-have-that-we-cannot-say-that-most-people-genuinely-prefe/</loc><lastmod>2019-11-13T14:02:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/13/the-only-reason-why-it-has-taken-23-years-so-far-for-prices-to-adjust-is-that-honest-posting-is-not-permitted-prices-adjust-as-the-result-of-market-participants-acting-in-their-self-interest-stock/</loc><lastmod>2020-01-12T17:33:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2019/01/14/i-have-paid-a-financial-price-for-my-honesty-but-now-i-feel-good-about-myself-as-a-person-and-i-believe-that-i-will-see-big-financial-rewards-too-down-the-road-a-piece/</loc><lastmod>2019-11-14T14:20:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/14/i-read-an-article-published-shortly-after-the-madoff-scam-was-exposed-that-said-that-the-lesson-for-investors-was-that-if-it-sounds-too-good-to-be-true-it-probably-isnt-true-does-that-ap/</loc><lastmod>2019-11-18T12:08:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/15/buy-and-hold-goon-to-rob-you-can-make-any-excuse-that-you-want-heck-you-could-claim-that-little-green-men-from-mars-have-zapped-the-comments-section-to-keep-vii-from-spreading-beyond-planet-earth/</loc><lastmod>2019-11-18T15:33:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/16/shillers-biggest-breakthrough-is-that-he-showed-us-how-to-avoid-economic-collapses/</loc><lastmod>2019-11-26T16:26:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/17/valuation-informed-indexing-473-the-widespread-rejection-of-market-timing-rules-out-consideration-of-even-the-modest-use-of-price-discipline/</loc><lastmod>2019-11-26T16:23:47-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/20/buy-and-hold-goon-to-rob-it-doesnt-matter-whether-the-market-is-efficient-or-not/</loc><lastmod>2019-11-28T09:56:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/21/15231/</loc><lastmod>2019-11-28T10:15:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/22/the-thought-that-the-market-is-efficient-was-a-mistake-the-mistake-has-been-so-destructive-to-so-many-human-lives-that-the-buy-and-holders-cannot-bear-to-acknowledge-the-mistake-and-so-we-are-now-a/</loc><lastmod>2019-11-29T12:08:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/23/buy-and-hold-is-the-way-that-pushes-risk-up-to-the-highest-levels-possible-by-urging-price-indifference-with-buy-and-hold-you-see-stocks-selling-at-three-times-fair-value-at-market-peaks-and-at-on/</loc><lastmod>2020-01-19T03:58:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/24/rob-to-buy-and-hold-goon-if-you-werent-worried-about-going-to-prison-you-wouldnt-be-posting-here/</loc><lastmod>2019-11-29T12:13:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/27/much-of-what-in-the-economics-field-is-presented-as-science-in-really-myth-we-need-to-question-basic-assumption/</loc><lastmod>2019-12-03T07:06:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/28/valuation-informed-indexing-474-shiller-showed-that-market-timing-is-price-discipline-that-changes-everything/</loc><lastmod>2019-12-03T07:23:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/29/valuation-informed-indexing-475-there-are-things-other-than-high-cape-values-that-cause-recessions-but-they-are-the-biggest-factor/</loc><lastmod>2019-12-03T07:22:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/30/if-the-amount-of-effort-put-into-supression-of-a-discussion-indicates-how-important-it-is-to-have-that-discussion-then-i-think-it-would-be-fair-to-say-that-there-has-never-been-a-subject-that-we-so/</loc><lastmod>2019-12-03T07:32:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/01/31/saying-that-if-buy-and-hold-doesnt-work-stock-investing-doesnt-work-is-like-saying-that-if-driving-drunk-doesnt-work-cars-dont-work/</loc><lastmod>2020-01-25T05:21:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/03/the-reason-why-this-situation-has-gotten-so-out-of-control-is-because-we-all-like-the-pretend-money-that-results-from-letting-stock-prices-get-insanely-high-its-never-going-to-change-for-s/</loc><lastmod>2019-12-08T17:25:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/04/you-would-be-less-of-a-goon-if-you-could-recognize-the-goonishness-within-yourself/</loc><lastmod>2019-12-09T15:35:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/05/we-are-at-a-turning-point-in-u-s-history-the-38-year-cover-up-has-made-it-very-hard-to-move-forward-everyone-who-works-in-this-field-has-built-a-career-around-teaching-the-approach-that-doesn/</loc><lastmod>2019-12-10T11:49:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/06/in-every-other-field-we-reward-positive-contributions-and-we-penalize-criminal-stuff-we-need-to-start-following-that-policy-in-the-investment-advice-field-too/</loc><lastmod>2019-12-14T06:52:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/07/valuation-informed-indexing-476-buy-and-holders-accept-credit-for-stock-gains-caused-by-irrational-exuberance-but-blame-a-bad-economy-for-the-losses-that-follow/</loc><lastmod>2019-12-10T17:57:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/10/why-do-these-comments-only-exist-on-this-website-if-wade-and-others-truly-said-everything-that-you-say-why-dont-we-see-this-on-other-websites/</loc><lastmod>2019-12-16T16:27:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/11/valuation-informed-indexing-477-buy-and-hold-has-performed-well-in-the-post-shiller-era/</loc><lastmod>2019-12-17T16:02:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/12/the-only-problem-here-is-that-fama-published-his-research-before-shiller-published-his-if-shiller-had-published-his-research-first-we-would-all-be-valuation-informed-indexers-today-but-it-didn/</loc><lastmod>2019-12-18T11:57:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/13/is-the-investment-advice-field-just-about-turning-a-quick-buck-regardless-of-how-much-human-misery-you-cause-doing-it-or-is-there-a-place-in-this-field-for-advice-that-actually-helps-your-clients-a/</loc><lastmod>2019-12-19T11:20:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/14/is-the-title-of-shillers-book-crystal-clear-if-a-large-part-of-your-stock-portfolio-is-the-product-of-irrational-exuberance-you-need-to-adjust-for-that-when-determining-whether-you-have-saved-en/</loc><lastmod>2019-12-20T06:09:54-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/17/valuation-informed-indexing-478-conditions-were-perfect-for-cognitive-dissonance-when-shiller-published-his-revolutionary-research-findings/</loc><lastmod>2019-12-24T07:18:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/18/when-i-am-told-by-a-doctor-that-my-time-is-close-to-being-up-i-want-the-feeling-that-comes-from-knowing-that-i-was-on-the-right-side-re-this-matter-and-not-on-the-wrong-side-thats-a-form/</loc><lastmod>2019-12-30T15:30:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/19/valuation-informed-indexing-479-investors-hurt-themselves-in-the-long-run-by-bringing-on-excessive-price-gains-in-the-short-run/</loc><lastmod>2020-01-01T18:57:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/20/if-we-were-all-independent-thinkers-all-the-time-we-would-in-general-die-sooner-than-we-do-evolution-doesnt-like-to-see-us-dying-sooner-so-it-edited-out-extreme-free-thinking-it-put-in/</loc><lastmod>2020-02-16T07:11:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/21/shillers-research-lets-us-know-something-important-about-stocks-that-we-did-not-know-before-it-lets-us-know-the-true-value-of-our-portfolio-the-value-adjusted-for-the-effect-of-the-irrational-ex/</loc><lastmod>2020-01-07T06:15:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/24/valuation-informed-indexing-480-valuation-informed-equity-investing-strategies-generate-intense-reactions-both-from-supporters-and-critics/</loc><lastmod>2020-01-07T07:20:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/25/i-enjoy-the-independent-spirit-that-you-evidence-in-your-articles-i-would-be-grateful-if-you-would-take-a-look-at-the-article-buy-and-hold-is-dangerous-linked-to-below-and-see-if-it-pulls-you/</loc><lastmod>2020-01-29T14:29:45-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/26/had-shiller-published-his-research-in-1961-rather-than-in-1981-we-all-would-be-valuation-informed-indexers-today/</loc><lastmod>2020-01-07T17:05:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/27/thats-shocking-stuff-deeply-scary-stuff-if-arends-is-right-that-90-percent-of-what-we-hear-from-the-experts-in-this-field-about-how-stock-investing-works-is-hooey-we-are-in-a-bad-situation/</loc><lastmod>2020-01-08T11:13:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/02/28/buy-and-hold-goon-to-rob-you-have-no-supporters/</loc><lastmod>2020-01-08T15:10:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/02/buy-and-hold-goon-to-rob-where-are-all-these-supporters-of-your-ideas/</loc><lastmod>2020-01-09T07:39:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/03/i-believe-that-we-will-see-a-different-reaction-to-this-sort-of-thread-in-the-days-following-the-next-price-crash-than-we-are-likely-to-see-today/</loc><lastmod>2020-01-09T07:44:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/04/shillers-work-as-amazing-as-it-is-does-us-no-good-if-we-do-not-talk-about-it-at-every-site-on-the-internet-we-need-to-talk-about-it-to-understand-it-and-to-put-it-to-good-use/</loc><lastmod>2020-01-09T07:53:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/05/the-problem-is-the-embarrassment-over-the-cover-up-the-bigger-cover-up-has-been-going-on-not-for-18-years-but-for-39-years-if-we-had-all-been-thinking-clearly-we-would-have-all-started-talking-ab/</loc><lastmod>2020-01-09T08:53:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/06/the-get-rich-quickbuy-and-hold-urge-is-inherent-in-human-nature-shillers-research-shows-us-how-to-overcome-one-of-the-big-weaknesses-of-human-nature-by-quantifying-the-effect-that-irrational-exu/</loc><lastmod>2020-01-09T10:17:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/09/when-i-read-about-your-background-that-you-were-once-a-financial-consultant-and-options-trader-i-thought-that-i-should-send-you-a-link-to-my-article-on-how-the-relentless-promotion-of-the-buy-and/</loc><lastmod>2020-01-13T06:48:16-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/10/we-had-a-civil-rights-revolution-in-this-country-in-the-1960s-do-you-bbelieve-that-in-the-early-days-of-that-struggle-that-every-leader-who-enjoyed-the-same-level-of-visibility-that-shiller-enjoys/</loc><lastmod>2020-03-08T07:56:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/11/the-scandal-is-not-that-many-do-not-agree-with-shillers-findings-that-is-of-course-all-part-of-the-wonderful-game-the-scandal-is-that-people-who-work-in-this-field-and-who-believe-that-shiller/</loc><lastmod>2020-01-13T19:05:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/12/i-have-never-had-any-problem-making-the-case-on-the-merits-for-valuation-informed-indexing-the-case-on-the-merits-is-overwhelming-the-case-on-the-merits-blows-people-away-the-problem-that-i-have-f/</loc><lastmod>2020-01-14T08:12:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/13/say-that-it-costs-us-as-a-society-100000-each-time-someone-says-market-timing-might-not-work-instead-of-market-timing-is-price-discipline-and-is-always-always-always-r/</loc><lastmod>2020-01-14T18:05:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/16/it-was-about-six-days-after-i-advanced-my-famous-post-of-may-13-2002-that-john-walter-russell-started-a-thread-about-how-rob-is-really-on-to-something-and-most-of-the-retire-earl/</loc><lastmod>2020-01-14T19:38:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/17/there-were-people-on-our-boards-who-believed-that-shillers-nobel-prize-winning-research-was-legitimate-research-and-who-were-not-banned-they-did-not-point-out-that-greaneys-study/</loc><lastmod>2020-01-15T04:56:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/18/was-i-a-liar-from-may-1999-through-may-2002-when-i-was-aware-that-greaneys-retirement-study-lacked-a-valuations-adjustment-and-yet-failed-to-speak-up-about-it-i-sure-felt-like-a-liar-i-w/</loc><lastmod>2020-01-15T07:50:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/19/thats-the-2008-economic-crisis-it-happened-because-of-price-indifference-in-all-other-markets-people-consider-price-when-making-a-purchase-if-we-all-did-that-when-buying-stocks-we-wou/</loc><lastmod>2020-01-16T10:35:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/20/buy-and-hold-goon-to-rob-i-dont-see-anything-in-shillers-book-that-says-he-could-help-save-us-from-an-economic-collapse-robs-response-you-can-count-on-seeing-those-words-in-my-book/</loc><lastmod>2020-01-16T15:36:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/23/the-idea-that-market-timing-might-not-always-be-required-was-a-mistake-we-should-have-corrected-the-mistake-39-years-ago-when-shiller-published-his-peer-reviewed-research-discrediting-the-efficien/</loc><lastmod>2020-01-16T15:43:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/24/in-every-other-market-that-exists-price-discipline-is-key-price-discipline-is-what-makes-markets-work-in-the-stock-investing-realm-it-is-by-engaging-in-market-timing-that-investors-practice-pric/</loc><lastmod>2020-01-17T13:26:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/25/please-mark-me-down-as-saying-that-shillers-nobel-prize-winning-research-is-science-and-that-your-death-threats-and-acts-of-extortion-are-not/</loc><lastmod>2020-01-17T13:30:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/26/think-where-we-would-all-be-today-if-greaney-had-shillers-spirit-if-greaney-included-a-paragraph-in-his-study-noting-that-there-is-39-years-of-peer-reviewed-research-showing-that-the-market-is-no/</loc><lastmod>2020-01-18T05:17:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/27/the-buy-and-holders-didnt-just-get-important-things-wrong-they-have-engaged-in-a-brutal-cover-up-aimed-at-making-sure-that-no-one-ever-gets-those-things-right-because-the-buy-and-holders-would-lo/</loc><lastmod>2020-01-20T12:39:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/30/if-as-a-society-we-want-to-know-how-stock-investing-works-we-will-know-if-as-a-society-we-do-not-want-to-know-how-stock-investing-works-we-will-not-know-we-are-going-to-decide-this-matter-as-a-s/</loc><lastmod>2020-01-20T18:40:41-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/03/31/valuation-informed-indexing-481-our-ongoing-study-of-how-stock-investing-works-is-not-taking-place-in-a-controlled-environment/</loc><lastmod>2020-01-21T14:32:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/01/valuation-informed-indexing-482-the-scary-reality-is-that-no-one-knows-for-sure-how-stock-investing-works/</loc><lastmod>2020-01-21T17:59:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/02/valuation-informed-indexing-483-shillers-pointing-to-the-trump-phenomenon-as-an-explanation-of-todays-high-stock-prices-is-unconvincing/</loc><lastmod>2020-01-28T07:17:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/03/i-am-an-infj-too-my-experience-is-that-it-is-a-superpower-in-the-right-circumstances-and-can-get-you-into-a-lot-of-trouble-in-others/</loc><lastmod>2020-01-28T07:48:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/06/if-wade-pfau-had-gone-with-me-to-the-new-york-times-and-told-them-the-story-about-fraud-and-corruption-in-the-investment-advice-field-that-he-saw-with-his-own-eyes-for-16-months-i-think-that-we-cou/</loc><lastmod>2020-01-29T11:50:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/07/please-mark-me-down-as-saying-that-john-greaneys-failure-to-correct-the-error-in-the-retirement-study-posted-at-his-web-site-for-nearly-18-years-constitutes-fraud-the-biggest-case-of-financial-fr/</loc><lastmod>2020-01-29T12:27:09-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/08/it-is-not-possible-that-any-reasonable-person-could-read-those-words-and-conclude-anything-other-than-that-wade-pfau-believes-that-the-buy-and-hold-retirement-studies-are-dangerous/</loc><lastmod>2020-01-30T06:27:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/09/those-who-follow-the-peer-reviewed-research-in-this-field-have-known-for-39-years-now-we-just-cannot-talk-about-it-publicly-because-it-causes-the-buy-and-holders-too-much-pain-to-hear-their-beliefs/</loc><lastmod>2020-01-30T07:48:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/10/i-can-report-that-greaneys-retirement-study-caused-a-good-number-of-people-at-the-retire-early-board-to-go-with-lower-withdrawal-rates-than-they-would-have-gone-with-had-greaney-not-posted/</loc><lastmod>2020-01-30T10:12:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/13/the-idea-that-market-timing-is-100-percent-required-for-every-investor-makes-perfect-sense-there-shouldnt-be-anything-even-a-tiny-bit-controversial-about-it/</loc><lastmod>2020-02-02T05:56:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/14/valuation-informed-indexing-484-the-effect-of-interest-rates-on-stock-valuations-is-exaggerated/</loc><lastmod>2020-02-04T10:18:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/15/has-shiller-improved-the-lives-of-people-he-has-not-the-measure-of-whether-he-has-improved-the-lives-of-people-is-the-cape-value-shillers-research-shows-that-a-high-cape-value-destroys-h/</loc><lastmod>2020-02-05T17:01:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/16/people-have-not-integrated-shillers-findings-into-their-thinking-if-a-large-portion-of-all-of-our-portfolios-is-comprised-of-irrational-exuberance-and-is-not-backed-by-anything-of-lasting/</loc><lastmod>2020-02-05T21:19:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/17/today-it-is-a-big-advance-to-say-the-buy-and-hold-retirement-studies-get-the-numbers-wildly-wrong-because-they-lack-valuation-adjustments-some-day-in-the-future-that-will-be-widely-accepted-and/</loc><lastmod>2020-02-06T16:34:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/20/this-is-a-funny-kind-of-fraud-its-fraud-in-which-the-people-advancing-the-fraud-deceive-themselves-about-how-stock-investing-works-before-they-deceive-anyone-else-thats-not-usual/</loc><lastmod>2020-02-09T18:11:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/21/why-wasnt-that-on-the-front-page-the-editors-of-the-wall-street-journal-have-consciences-they-want-to-do-what-they-can-to-get-the-word-out-that-buy-and-hold-is-a-scam-but-they-don/</loc><lastmod>2020-02-10T09:03:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/22/the-scott-burns-approach-which-is-followed-by-a-good-number-of-others-to-be-sure-has-not-to-this-day-resulted-in-correction-of-any-of-the-buy-and-hold-retirement-studies-when-someone-comes-up-wi/</loc><lastmod>2020-02-10T16:28:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/23/learning-that-valuations-affect-long-term-returns-is-like-discovering-antibiotics-it-is-an-advance-that-helps-every-person-living-on-planet-earth-to-live-a-better-life-once-we-all-get-to-a-better/</loc><lastmod>2020-02-10T19:21:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/24/valuation-informed-indexing-485-the-effect-of-interest-rates-on-stock-valuations-is-exaggerated/</loc><lastmod>2020-02-11T08:15:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/27/valuation-informed-indexing-is-what-buy-and-hold-would-be-today-had-the-buy-and-holders-remained-true-to-their-core-belief-that-investors-should-look-to-the-peer-reviewed-research-for-guidance-re-h/</loc><lastmod>2020-02-11T08:30:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/28/in-terms-of-dollar-bills-the-return-has-indeed-been-zero-in-terms-of-building-a-model-for-understanding-how-stock-investing-works-that-will-be-improving-the-lives-of-millions-for-many-years-to-co/</loc><lastmod>2020-02-11T14:03:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/29/are-you-willing-to-say-what-you-believe-shiller-thinks-about-safe-withdrawal-rates/</loc><lastmod>2020-02-12T08:48:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/04/30/the-question-that-i-ask-how-does-shillers-nobel-prize-winning-research-findings-change-our-understanding-of-safe-withdrawal-rates-and-of-scores-of-other-investment-related-topics-in-the-post-is/</loc><lastmod>2020-02-12T09:20:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/05/01/market-timing-is-price-discipline-how-could-exercising-price-discipline-ever-be-a-bad-idea-once-you-think-about-it-for-a-little-bit-you-come-to-see-that-the-buy-and-hold-claim-is-preposterous-th/</loc><lastmod>2020-02-15T03:47:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/05/04/if-buy-and-hold-was-real-the-buy-and-holders-would-welcome-questioning-and-challenges/</loc><lastmod>2020-02-16T15:02:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/05/05/valuation-informed-indexing-486-the-hill-and-valley-return-pattern-explains-high-stock-valuations/</loc><lastmod>2020-02-18T07:13:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/05/06/i-see-market-timing-as-a-far-better-response-to-high-prices-than-price-crashes-we-can-achieve-gradual-corrections-to-out-of-control-prices-through-market-timing-with-price-crashes-we-see-huge-los/</loc><lastmod>2020-02-18T14:40:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/05/07/it-would-be-a-good-thing-if-shiller-made-his-advocacy-of-market-timing-more-explicit-i-would-like-to-see-shiller-write-an-entire-book-on-all-the-ins-and-outs-of-market-timing-when-to-do-it-and-whe/</loc><lastmod>2020-02-18T15:07:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/05/08/what-i-am-saying-is-that-what-we-all-believed-about-how-stock-investing-works-in-1980-has-been-proven-wrong-shiller-p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s://www.arichlife.passionsaving.com/2020/06/04/will-an-investor-with-a-true-portfolio-value-of-400000-who-for-a-time-was-led-by-the-buy-and-holders-to-believe-that-his-portfolio-had-a-value-of-800000-and-who-is-a-short-time-later-told-that-h/</loc><lastmod>2020-03-14T08:04:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/05/a-horrible-experience-like-this-could-be-what-we-need-to-open-the-entire-internet-to-honest-posting-re-the-last-39-years-of-peer-reviewed-research-in-this-field-and-that-could-in-time-bring-on-posit/</loc><lastmod>2020-03-14T17:32:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/08/i-dont-believe-that-we-could-have-ever-put-a-man-on-the-moon-had-we-not-at-some-point-just-acknowledged-that-we-had-made-a-mistake-in-those-days-when-we-came-to-believe-that-the-earth-was-t/</loc><lastmod>2020-03-16T09:34:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/09/valuation-informed-indexing-490-high-cape-values-are-the-primary-cause-of-the-coronavirus-crash/</loc><lastmod>2020-03-17T08:40:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/10/i-am-like-that-fellow-in-the-movie-yesterday-who-was-the-only-one-on-the-planet-who-remembered-all-the-beatles-songs-for-18-years-i-have-been-able-to-write-about-hundreds-of-different-aspects-o/</loc><lastmod>2020-03-17T09:26:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/11/buy-and-hold-goon-to-rob-no-one-can-have-a-rational-discussion-with-you-you-are-so-delusional-that-you-cannot-even-see-and-understand-the-most-obvious-of-things/</loc><lastmod>2020-03-18T06:47:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/12/the-thing-that-we-call-a-stock-market-is-not-even-truly-a-market-not-today-in-a-true-market-prices-change-as-the-result-of-the-input-of-various-information-bits-we-have-lots-of-get-rich/</loc><lastmod>2020-06-14T20:47:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/15/valuation-informed-indexing-491-we-overestimate-the-extent-to-which-economic-factors-cause-a-price-crash/</loc><lastmod>2020-03-24T11:32:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/16/the-buy-and-holders-preach-price-indifference-and-that-just-doesnt-get-the-job-done-without-the-presence-of-market-timing-prices-always-drift-upward-as-a-result-of-the-get-rich-quick-urg/</loc><lastmod>2020-03-25T18:19:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/17/the-last-39-years-of-peer-reviewed-research-is-information-investors-should-be-considering-that-information-when-they-decide-on-their-stock-allocation-the-stock-market-as-it-exists-today-is-not-ev/</loc><lastmod>2020-03-26T10:10:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/18/drop-all-the-criminal-stuff-and-tell-shiller-that-you-have-done-so-and-ask-him-to-come-to-the-bogleheads-forum-and-tell-people-there-whether-he-believes-that-the-safe-withdrawal-rate-is-always-the-s/</loc><lastmod>2020-03-26T19:43:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/19/if-anyone-questioned-whether-price-discipline-is-required-in-any-other-market-everyone-would-laugh-at-him-the-stock-market-is-the-one-big-exception/</loc><lastmod>2020-03-27T12:33:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/22/there-is-not-one-school-of-academic-thought-re-how-stock-investing-works-today-there-are-two-everyone-needs-to-acknowledge-that-so-that-we-can-all-feel-comfortable-posting-honestly-and-learning-to/</loc><lastmod>2020-03-28T17:13:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/23/valuation-informed-indexing-492-every-economic-stimulus-should-be-matched-with-an-economic-deterrent/</loc><lastmod>2020-03-31T09:18:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/24/the-way-in-which-things-are-handled-in-the-investment-advice-field-runs-counter-to-our-most-basic-cultural-norms/</loc><lastmod>2020-04-03T17:39:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/25/if-you-dropped-all-the-criminal-stuff-and-all-the-non-criminal-abusive-stuff-bernstein-would-be-happy-to-participate-in-our-discussions-in-a-100-percent-honest-way-and-we-would-learn-what-he-really/</loc><lastmod>2020-04-05T13:40:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/26/if-shillers-nobel-prize-winning-research-is-legitimate-research-everything-that-anyone-said-on-any-investing-subject-before-he-published-that-research-in-1981-is-wrong-and-there-are-a-lot/</loc><lastmod>2020-04-05T14:05:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/29/valuation-informed-indexing-493-the-narrative-that-we-use-to-make-sense-of-stock-prices-is-changing/</loc><lastmod>2020-04-09T09:59:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/06/30/every-single-investor-on-the-planet-will-be-a-valuation-informed-indexer-sometime-after-we-open-the-internet-to-honest-posting-not-because-we-will-force-it-not-because-we-will-silence-those-posti/</loc><lastmod>2020-04-09T11:37:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/01/valuation-informed-indexing-494-the-stubborn-irrationality-of-the-market-for-beachfront-property/</loc><lastmod>2020-04-14T07:28:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/02/valuation-informed-indexing-495-we-should-want-stock-prices-to-move-to-fair-value-levels-gradually/</loc><lastmod>2020-04-21T08:04:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/03/if-it-were-not-hard-work-to-tell-the-truth-about-safe-withdrawal-rates-and-about-scores-of-other-critically-important-investment-related-topics-everyone-would-be-doing-it-and-the-reaction-to-my-may/</loc><lastmod>2020-04-22T11:35:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/06/i-cant-get-around-the-fact-that-greaneys-retirement-study-lacks-a-valuation-adjustment-and-yet-he-has-not-corrected-it-for-18-years-now-and-as-a-society-we-have-tolerated-that-t/</loc><lastmod>2020-04-22T11:45:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/07/if-it-is-not-possible-for-us-ever-to-learn-anything-about-how-stock-investing-works-that-we-did-not-know-in-1980-why-do-we-still-have-people-going-to-school-to-earn-ph-d-s-in-economics-wh/</loc><lastmod>2020-04-23T13:57:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/08/valuation-informed-indexing-496-shiller-believes-in-market-timing-but-is-reluctant-to-offer-a-clear-endorsement/</loc><lastmod>2020-04-28T07:51:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/09/if-our-wall-street-con-men-friends-were-going-to-keep-up-with-the-science-they-would-have-had-to-acknowledge-the-far-reaching-implications-of-shillers-work-they-would-have-had-to-say-the/</loc><lastmod>2020-04-29T14:48:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/10/buy-and-hold-goon-to-rob-shiller-has-never-come-to-respond-to-you-or-comment-about-you-that-demonstrates-that-he-does-not-agree-one-bit-about-what-you-have-to-say-about-his-work-it-is-the-only-lo/</loc><lastmod>2020-04-30T18:37:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/13/valuation-informed-indexing-497-anti-trump-sentiment-could-undermine-a-recovery-in-stock-prices/</loc><lastmod>2020-05-05T07:27:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/14/valuation-informed-indexing-498-the-stock-market-has-so-far-underreacted-to-the-coronavirus-crisis/</loc><lastmod>2020-05-12T08:42:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/15/there-is-something-inside-us-that-clings-to-the-darkness-we-know-afraid-to-explore-the-light-that-we-have-been-blessed-with/</loc><lastmod>2020-05-14T12:18:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/16/if-investors-were-rational-high-stock-prices-really-would-be-a-good-thing-if-investors-were-rational-they-would-bid-stock-prices-up-when-the-economic-realities-improved-so-higher-stock-prices-wo/</loc><lastmod>2020-05-18T18:55:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/17/valuation-informed-indexing-499-the-fair-price-cape-value-can-anchor-your-thinking-about-where-stock-prices-are-headed/</loc><lastmod>2020-05-19T08:13:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/20/bogle-was-afraid-of-what-you-goons-would-do-to-him-if-he-posted-in-complete-honesty-there-is-no-other-possible-explanation-of-his-strange-behavior/</loc><lastmod>2020-05-19T15:26:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/21/valuation-informed-indexing-500-market-timers-react-differently-to-every-aspect-of-the-stock-investing-experience/</loc><lastmod>2020-05-26T07:53:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/22/i-am-not-personally-persuaded-that-the-results-of-the-last-24-years-show-us-that-the-market-has-changed-in-some-fundamental-way-i-am-more-impressed-by-what-has-happened-over-the-past-150-years-than/</loc><lastmod>2020-05-26T12:20:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/23/the-reason-why-it-is-controversial-is-that-shiller-is-challenging-the-idea-that-investors-are-100-percent-rational-he-is-saying-that-they-are-highly-emotional-thats-a-game-changer-the-bu/</loc><lastmod>2020-05-26T18:17:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/24/if-you-took-a-poll-of-the-american-people-and-described-the-situation-and-asked-has-rob-bennett-worked-this-hard-enough-i-am-100-percent-confident-that-90-percent-of-the-population-would-say-th/</loc><lastmod>2020-05-29T09:54:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/27/valuation-informed-indexing-501-why-i-describe-the-buy-and-hold-strategy-as-a-get-rich-quick-scheme/</loc><lastmod>2020-06-02T08:16:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/28/for-so-long-as-honest-posting-re-the-peer-reviewed-research-is-prohibited-the-thing-that-we-call-the-stock-market-is-not-truly-a-market-at-all-a-market-that-produces-a-cape-value-of-29-is-not-a-ma/</loc><lastmod>2020-06-03T18:39:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/29/there-has-never-been-a-market-in-which-the-good-being-bought-and-sold-was-not-not-worth-buying-at-some-price-when-you-remove-price-discipline-from-the-stock-market-you-make-it-dysfunctional-and-we/</loc><lastmod>2020-06-04T08:49:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/30/there-is-nothing-unicorn-about-the-idea-of-stocks-being-a-low-risk-asset-class-stocks-are-not-today-thought-of-as-a-low-risk-asset-class-only-because-prior-to-1981-we-did-not-know-what-made-stocks/</loc><lastmod>2020-06-04T12:03:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/07/31/valuation-informed-indexing-502-the-thing-that-we-call-a-price-crash-is-really-an-emotions-crash/</loc><lastmod>2020-06-09T08:59:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/03/people-who-believed-that-the-bible-is-the-inspired-word-of-god-had-a-really-really-really-hard-time-letting-the-galileo-truth-in-to-their-minds-thats-where-we-stand-today-with-the-shille/</loc><lastmod>2020-06-10T12:17:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/04/valuation-informed-indexing-503-once-the-cape-value-drops-below-16-how-long-will-it-remain-there/</loc><lastmod>2020-06-16T11:14:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/05/the-entire-modern-portfolio-theory-will-need-to-be-corrected-which-means-that-every-textbook-in-this-field-will-need-to-be-corrected-and-every-article-written-about-stock-investing-over-the-last-3/</loc><lastmod>2020-06-17T20:54:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/06/when-a-large-enough-percentage-of-the-american-people-wants-you-to-be-prosecuted-they-will-insist-on-that-and-it-will-happen-madoff-wasnt-prosecuted-until-his-fund-blew-up-thats/</loc><lastmod>2020-06-19T19:52:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/07/modern-portfolio-theory-assumes-that-investors-are-always-rational-investors-are-humans-do-you-know-any-humans-who-are-rational-there-have-been-hundreds-of-thousands-of-novels-written-showing-tha/</loc><lastmod>2020-06-20T16:13:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/10/valuation-informed-indexing-504-the-market-does-not-process-new-information-quickly/</loc><lastmod>2020-06-23T18:21:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/11/i-am-not-an-investing-expert-i-am-a-journalist-a-journalist-who-discovered-a-huge-story-the-story-of-how-the-investment-advice-field-has-become-100-percent-corrupt-over-the-past-39-years/</loc><lastmod>2020-06-26T16:58:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/12/every-one-of-those-people-including-me-would-like-to-see-you-goons-placed-in-prison-cells-so-that-they-can-do-honest-work-in-this-field-no-one-got-into-this-field-to-destroy-peoples-live/</loc><lastmod>2020-06-26T17:07:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/13/the-goon-behavior-is-evidence-of-emotion-it-proves-shillers-thesis-so-shiller-and-all-others-who-think-his-thesis-has-value-should-be-talking-about-it/</loc><lastmod>2020-06-29T04:35:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/14/valuation-informed-indexing-505-great-intelligence-does-not-protect-an-investor-from-emotion-traps/</loc><lastmod>2020-07-20T18:53:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/20/obviously-i-would-like-to-be-working-with-shiller-and-obviously-he-should-be-happy-to-work-with-me-i-have-this-funny-thought-that-the-reason-why-he-is-holding-back-is-that-he-does-not-like-the-idea/</loc><lastmod>2020-07-02T16:12:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/21/i-dont-need-to-ask-wade-pfau-questions-i-need-him-to-get-over-his-fear-of-what-buy-and-holders-will-do-to-him-if-he-speaks-openly-about-what-he-believes-about-stock-investing-he-tried-doi/</loc><lastmod>2020-07-03T11:33:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/17/i-dont-think-that-buy-and-hold-started-out-as-a-scam-prior-to-1981-it-was-just-a-mistake-that-was-made-because-all-of-the-research-needed-to-know-the-realities-had-not-yet-been-published/</loc><lastmod>2020-07-20T18:54:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/18/when-the-cape-value-is-where-it-is-today-you-shouldnt-expect-the-investing-field-to-make-sense-we-are-all-telling-each-other-lies-about-stocks-because-we-want-to-keep-that-cape-value-up-w/</loc><lastmod>2020-07-20T18:54:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/19/we-are-not-ignoring-shillers-research-because-it-is-unimportant-we-are-ignoring-it-because-it-is-so-super-important-that-we-cannot-bear-the-thought-of-going-through-all-the-changes-that-we/</loc><lastmod>2020-08-20T15:30:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/27/if-shiller-put-forward-a-statement-that-the-buy-and-hold-retirement-studies-are-in-error-and-should-be-corrected-within-24-hours-because-of-the-harm-that-they-will-otherwise-do-to-lots-of-people/</loc><lastmod>2020-07-06T16:58:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/28/the-depression-caused-an-ocean-of-human-misery-even-to-a-lot-of-the-wall-street-con-men-i-think-it-would-have-been-better-had-shillers-research-been-available-and-if-people-had-felt-free/</loc><lastmod>2020-07-06T17:08:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/24/valuation-informed-indexing-506-buy-and-hold-is-a-product-of-the-enlightenment/</loc><lastmod>2020-07-20T19:01:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/25/the-most-significant-idea-that-wade-pfau-puts-forward-in-the-article-is-the-idea-that-valuation-informed-indexing-worked-from-1870-until-1996-and-then-stopped-working-i-dont-buy-it-you-ha/</loc><lastmod>2020-07-20T19:01:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/31/the-current-situation-where-shiller-fails-to-engage-on-these-questions-because-he-fears-what-the-buy-and-holders-will-do-to-him-if-he-does-so-is-not-healthy-it-leaves-these-ques/</loc><lastmod>2020-07-10T09:16:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/03/most-of-the-people-who-work-in-this-field-are-engaging-in-as-much-honest-work-as-they-think-they-can-get-away-with-they-would-love-to-feel-that-they-could-get-away-with-more/</loc><lastmod>2020-07-10T14:06:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/04/valuation-informed-indexing-507-buy-and-hold-is-both-intuitive-and-counter-intuitive-at-the-same-time/</loc><lastmod>2020-07-14T17:43:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/01/there-is-certainly-some-point-at-which-if-an-expected-crash-has-not-taken-place-for-many-years-it-would-have-been-better-to-have-just-followed-a-buy-and-hold-strategy-stocks-offer-much-higher-ret/</loc><lastmod>2020-07-20T19:08:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/02/its-not-possible-to-imagine-that-there-could-ever-be-a-market-that-would-not-collapse-if-most-participants-in-it-were-not-practicing-price-discipline-when-making-purchase-decisions/</loc><lastmod>2020-07-20T19:08:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/07/we-should-want-the-stock-market-to-be-functional-we-should-permit-it-to-do-its-most-important-job-which-is-to-get-prices-right-we-can-all-plan-our-financial-futures-much-more-effectively-when-sto/</loc><lastmod>2020-07-14T18:25:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/10/to-me-staying-the-course-means-keeping-your-risk-profile-constant-even-if-it-requires-making-some-changes-in-your-stock-allocation-from-time-to-time-it-is-the-risk-profile-that-needs-to-stay-const/</loc><lastmod>2020-07-14T19:38:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/11/how-do-you-think-we-get-cape-levels-of-8-at-the-end-of-every-bullbear-cycle-thats-insane-when-the-cape-is-8-the-entire-market-is-priced-at-one-half-of-its-real-value-its-disil/</loc><lastmod>2020-07-14T20:29:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/08/to-say-that-a-buy-and-holder-is-smart-not-to-change-a-thing-when-stock-valuations-change-dramatically-is-like-saying-that-a-driver-is-smart-to-maintain-the-same-speed-when-there-is-ice-on-the-road-a/</loc><lastmod>2020-07-20T19:10:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/09/is-a-big-portfolio-going-to-make-you-feel-better-when-you-are-sitting-in-a-prison-cell-i-would-rather-have-the-smaller-portfolio-and-the-knowledge-that-i-have-remained-on-the-right-side-of-the-felo/</loc><lastmod>2020-07-20T19:10:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/14/buy-and-hold-goon-to-rob-your-silly-comments-about-prison-felonies-huge-paydays-made-up-death-threats-etc-all-demonstrate-that-you-deserve-the-continued-ban-on-the-investing-forums/</loc><lastmod>2020-07-15T12:51:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/08/26/learning-that-valuations-affect-long-term-returns-is-like-learning-how-to-harness-electricity-we-should-have-enhanced-our-lives-in-hundreds-of-ways-over-the-course-of-the-past-39-years-as-a-result/</loc><lastmod>2020-07-20T19:05:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/17/if-everyone-who-believes-that-shillers-nobel-prize-winning-research-is-legitimate-research-faced-up-to-the-problem-before-us-we-could-overcome-it-by-the-close-of-business-today-i-cannot-m/</loc><lastmod>2020-07-16T08:33:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/18/its-the-most-important-discovery-in-the-history-of-personal-finance/</loc><lastmod>2020-07-16T12:09:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/15/we-desperately-need-thousands-of-people-offering-their-interpretations-of-shillers-work-thats-how-valuation-informed-indexing-will-over-time-become-increasingly-popular-until-it-becomes/</loc><lastmod>2020-07-20T19:11:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/16/if-the-market-is-efficient-risk-is-constant-if-valuations-affect-long-term-returns-risk-is-variable-thats-what-matters-the-rest-is-details/</loc><lastmod>2020-07-20T19:12:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/21/humans-have-weaknesses-there-are-some-circumstances-in-which-money-can-be-made-exploiting-human-weaknesses-when-there-is-a-lot-of-money-to-be-made-going-in-that-direction-there-is-always-going-to/</loc><lastmod>2020-07-20T18:46:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/22/everybody-in-this-field-reads-the-wall-street-journal-so-everybody-in-this-field-is-in-on-it-everyone-knows-that-buy-and-hold-is-hooey-and-that-the-idea-that-market-timing-is-not/</loc><lastmod>2020-07-20T19:12:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/24/the-idea-that-it-might-not-be-100-percent-required-for-all-investors-to-practice-market-timingprice-discipline-when-buying-stocks-is-the-marketing-gimmick-that-ate-the-u-s-economic-system-we/</loc><lastmod>2020-07-20T18:26:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/25/humans-are-subject-to-addictions-get-rich-quickbuy-and-hold-investing-is-addictive-if-we-are-going-to-get-people-to-overcome-their-buy-and-hold-addiction-we-are-going-to-have-to-open-every-site/</loc><lastmod>2020-07-20T18:41:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/23/valuation-informed-indexing-508-investor-psychology-and-economic-realities-are-very-different-things/</loc><lastmod>2020-07-21T10:11:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/28/it-is-human-nature-to-look-at-recent-history-to-go-five-years-back-or-something-like-that-rather-than-150-years-back-but-thats-not-science-science-goes-150-years-back-if-there-is-150-yea/</loc><lastmod>2020-07-23T16:55:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/29/i-have-never-heard-shiller-say-that-people-need-to-divide-by-two-either-my-take-is-that-everyone-alive-should-want-to-know-whether-he-believes-that-this-is-required-or-not-so-we-should-all-be-doi/</loc><lastmod>2020-07-28T18:28:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/09/30/when-research-was-published-showing-that-smoking-causes-cancer-the-tobacco-companies-considered-that-abusive-and-did-everything-in-their-power-to-stop-people-from-learning-about-it-they-in-essence/</loc><lastmod>2020-07-28T18:42:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/01/the-reason-why-shiller-was-awarded-a-nobel-prize-is-that-he-made-us-aware-of-the-scam-at-the-core-of-the-stock-investing-project-that-since-the-first-stock-market-was-formed-has-made-stocks-a-far-mo/</loc><lastmod>2020-07-28T18:55:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/02/shiller-provided-us-all-a-means-to-see-into-the-future/</loc><lastmod>2020-07-28T19:05:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/05/valuation-informed-indexing-509-considering-valuations-does-not-make-a-stock-investor-more-fearful/</loc><lastmod>2020-07-28T19:20:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/06/we-now-know-what-works-and-we-should-all-be-enjoying-the-benefits-of-finally-knowing-what-works-but-there-were-years-when-we-didnt-know-what-works-and-we-built-an-entire-industry-telling-t/</loc><lastmod>2020-07-29T13:06:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/07/there-are-thousands-of-smart-and-good-people-who-are-going-to-feel-embarrassed-to-have-millions-of-investors-learn-about-the-39-year-cover-up-if-there-were-a-way-to-teach-millions-of-people-what-th/</loc><lastmod>2020-07-31T20:49:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/08/any-minority-opinion-can-get-banned-if-site-administrators-decide-on-who-gets-banned-by-taking-a-vote-valuation-informed-indexers-are-outnumbered-by-buy-and-holders-by-10-to-1/</loc><lastmod>2020-07-31T20:59:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/09/shiller-has-made-it-on-every-platform-possible-his-book-was-a-best-seller-he-was-awarded-a-nobel-prize-what-good-has-it-done-us-we-all-still-have-that-get-rich-quickbuy-and-hold-urge-residi/</loc><lastmod>2020-08-02T13:57:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/12/buy-and-hold-goon-to-rob-how-many-death-threats-have-been-made-robs-response-enough-to-keep-greaneys-retirement-study-from-being-corrected-for-18-years-from-the-date-that-he-was-made-awar/</loc><lastmod>2020-08-02T14:14:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/13/valuation-informed-indexing-510-why-does-it-take-so-long-for-stock-prices-to-correct/</loc><lastmod>2020-08-04T10:37:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/14/i-certainly-possess-a-bias-i-hope-that-it-does-not-influence-my-thinking-re-these-matters-to-any-great-degree-but-if-it-did-theres-a-good-chance-that-i-would-not-be-aware-of-that-this/</loc><lastmod>2020-08-04T18:50:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/15/humankind-learns-new-things-over-time-thats-not-a-bad-thing-its-a-good-thing-but-the-people-whose-careers-are-tied-to-the-old-understanding-sometimes-perceive-it-as-a-bad-thing/</loc><lastmod>2020-08-08T10:14:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/16/valuation-informed-indexing-511-the-biggest-mistake-that-people-make-regarding-the-cape-metric/</loc><lastmod>2020-08-11T04:47:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/19/again-if-you-want-to-know-the-extent-to-which-shillers-views-are-in-accord-with-mine-ask-him-knock-off-all-the-criminal-stuff-and-just-ask-him-there-is-a-reason-why-you-have-not-done-th/</loc><lastmod>2020-08-12T17:37:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/20/it-is-the-cover-up-that-has-been-holding-back-all-that-amazing-work-for-39-years-now-and-it-is-journalism-work-to-expose-that-cover-up-exposure-of-the-cover-up-has-to-come-first-it-is-exposure-of/</loc><lastmod>2020-08-17T16:09:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/21/this-is-the-story-of-humans-struggling-to-gain-the-ability-to-put-reason-to-use-in-their-understanding-of-how-stock-investing-works/</loc><lastmod>2020-08-12T18:00:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/22/valuation-informed-indexing-512-market-timing-can-work-even-when-it-produces-lower-returns/</loc><lastmod>2020-08-18T13:56:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/23/maybe-i-am-wasting-my-time-and-maybe-i-am-leading-the-people-of-the-united-states-to-the-biggest-advance-in-our-understanding-of-how-stock-investing-works-ever-achieved-in-our-history/</loc><lastmod>2020-08-19T15:49:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/26/valuation-informed-indexing-513-do-compounding-returns-on-pretend-stock-gains-produce-real-value/</loc><lastmod>2020-08-26T19:35:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/27/i-think-that-every-person-alive-on-the-planet-should-be-asking-shiller-questions-about-the-far-reaching-implications-of-his-amazing-research/</loc><lastmod>2020-08-31T18:39:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/28/valuation-informed-indexing-514-if-there-were-no-market-timing-there-would-be-no-stock-price-changes/</loc><lastmod>2020-09-01T16:26:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/29/irrational-exuberance-is-something-that-disappears-into-thin-air-it-is-a-psychological-phenomenon-it-does-not-have-economic-validity-but-businesses-count-it-as-real-so-they-make-plans-based-on-a/</loc><lastmod>2020-09-08T17:50:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/10/30/an-effort-to-engage-in-long-term-timing-is-successful-at-the-moment-it-is-made-because-that-is-the-moment-when-the-risk-profile-is-corrected/</loc><lastmod>2020-09-08T18:02:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/02/valuation-informed-indexing-516-economic-developments-are-never-as-big-a-deal-as-investment-analysts-make-them-out-to-be/</loc><lastmod>2020-09-15T16:44:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/03/valuation-informed-indexing-515-stock-returns-are-predictable-but-not-rationally-so/</loc><lastmod>2020-09-15T16:57:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/04/if-market-timing-always-works-and-is-always-required-it-does-and-it-is-that-changes-everything/</loc><lastmod>2020-09-20T16:30:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/05/valuation-informed-indexing-517-did-how-the-stock-market-works-change-in-1996/</loc><lastmod>2020-09-22T19:26:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/06/valuation-informed-indexing-518-market-timing-is-an-exciting-idea-that-was-rejected-in-haste/</loc><lastmod>2020-09-29T14:32:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/09/say-that-reason-is-50-percent-of-stock-investing-and-that-emotion-is-50-percent-then-half-of-your-research-should-be-looking-at-reason-based-stuff-this-is-the-sort-of-research-that-the-buy-and-hol/</loc><lastmod>2020-09-30T16:15:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/10/wade-pfau-spent-16-months-researching-the-merits-of-valuation-informed-indexing-and-loving-every-minute-of-it-and-expressing-his-amazement-that-hundreds-of-researchers-had-not-looked-into-it-long-be/</loc><lastmod>2020-10-01T06:44:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/11/we-cannot-have-a-functioning-society-if-we-do-not-provide-people-with-some-access-to-honest-and-informed-reports-re-the-peer-reviewed-research-in-this-field-we-just-cannot-the-situation-that-we-ar/</loc><lastmod>2020-10-01T17:01:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/12/vakuation-informed-indexing-519-stock-investing-seems-safer-if-we-presume-rational-investors/</loc><lastmod>2020-10-06T07:14:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/13/people-are-scared-an-irony-of-economic-progress-is-that-the-richer-people-are-the-more-vulnerable-they-are-to-setbacks-lots-of-people-are-okay-with-how-they-are-living-today-but-they-feel-that/</loc><lastmod>2020-10-07T15:50:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/16/valuation-informed-indexing-520-overvaluation-that-is-not-quickly-addressed-becomes-locked-in-to-stock-prices/</loc><lastmod>2020-10-13T08:59:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/17/there-are-lots-of-people-in-this-field-who-would-love-to-feel-free-to-do-honest-work-but-look-at-what-the-buy-and-holders-do-to-those-of-us-who-step-out-of-line-and-give-it-a-try-we-are-destroyed/</loc><lastmod>2020-10-14T10:05:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/18/the-peer-reviewed-research-that-i-co-authored-with-wade-pfau-showed-outcomes-for-those-following-valuation-informed-indexing-strategies-vs-those-following-buy-and-hold-strategies-going-back-to-1870/</loc><lastmod>2020-10-16T10:15:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/19/investors-always-need-to-compare-what-they-can-do-with-different-asset-classes-thats-how-you-choose-a-good-stock-allocation-you-look-at-the-pros-and-cons-of-different-allocations-and-choo/</loc><lastmod>2020-10-17T14:53:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/20/our-wall-street-con-men-friends-are-human-beings-first-they-want-to-see-the-work-they-do-help-people-they-want-to-gain-the-freedom-to-do-honest-work-again-and-they-want-to-see-everyone-else-gain-t/</loc><lastmod>2020-10-19T09:42:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/23/valuation-informed-indexing-521-new-article-on-safe-withdrawal-rates-shows-how-far-we-have-come-in-18-years/</loc><lastmod>2020-10-20T09:26:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/24/the-buy-and-holders-based-their-claim-that-market-timing-does-not-work-and-is-not-required-on-a-finding-that-short-term-timing-doesnt-work-they-never-even-looked-into-long-term-timing-befo/</loc><lastmod>2020-10-23T15:57:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/25/the-2008-economic-crisis-is-a-huge-failure-associated-with-buy-and-hold-permit-honest-posting-and-we-would-never-again-see-a-cape-value-high-enough-to-cause-an-economic-crisis-like-that/</loc><lastmod>2020-10-24T08:04:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/11/26/the-point-that-needs-to-be-examined-is-whether-gains-that-cause-the-cape-value-to-go-above-16-are-real-economic-gains-the-same-as-gains-earned-when-the-cape-is-below-16-or-whether-gains-achieved/</loc><lastmod>2020-10-25T06:11:47-04:00</lastmod></url><url><loc>https://www.arichlife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020-11-25T15:36:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/12/25/buy-and-hold-goon-to-rob-the-2008-financial-crisis-was-due-to-the-debt-obligations-in-the-high-risk-mortgage-debt-markets-it-has-nothing-to-do-with-stocks-to-say-otherwise-indicates-your-lack-of/</loc><lastmod>2020-11-26T07:19:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/12/28/valuation-informed-indexing-527-you-dont-have-to-get-it-right-twice-for-market-timing-to-succeed/</loc><lastmod>2020-12-01T09:36:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/12/29/shiller-the-level-of-interest-rates-is-an-increasingly-important-element-to-consider-when-valuing-equities-stock-market-valuations-may-not-be-as-absurd-as-some-people-think/</loc><lastmod>2020-12-03T19:33:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/12/30/market-timing-is-not-a-problem-market-timing-is-the-solution-to-the-problem/</loc><lastmod>2020-12-06T12:45:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2020/12/31/irrational-exuberance-hurts-us-all-we-should-all-do-everything-we-can-to-oppose-it-we-should-all-be-engaging-in-market-timing-and-encouraging-all-of-our-friends-and-neighbors-and-co-workers-to-eng/</loc><lastmod>2020-12-06T12:55:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/01/i-dont-know-everything-and-i-do-not-claim-to-you-do-not-know-everything-either-the-difference-is-that-you-do-claim-to-know-everything-when-you-deny-others-the-opportunity-to-hear-both-si/</loc><lastmod>2020-12-07T17:19:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/04/valuation-informed-indexing-528-its-the-irrationality-of-mispricing-that-makes-long-term-returns-so-predictable/</loc><lastmod>2020-12-08T11:19:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/05/the-stock-market-behaved-one-way-from-1870-through-2006-and-then-in-a-different-way-from-2006-through-2020-thats-136-years-for-valuation-informed-indexing-and-14-years-for-buy-and-hold/</loc><lastmod>2020-12-09T10:48:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/06/we-dont-know-precisely-what-shiller-believes-because-he-has-not-been-questioned-in-depth-re-what-he-believes-i-believe-that-we-should-be-questioning-him-in-depth-re-what-he-believes/</loc><lastmod>2020-12-09T17:19:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/07/buy-and-hold-goon-to-rob-we-dont-have-to-ask-shiller-anything/</loc><lastmod>2020-12-10T05:10:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/08/the-concept-of-irrational-exuberance-affects-every-aspect-of-the-stock-investing-story/</loc><lastmod>2020-12-10T10:47:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/11/we-all-have-a-get-rich-quickbuy-and-hold-impulse-residing-within-us-we-need-to-be-reminded-daily-of-the-dangers-of-the-get-rich-quickbuy-and-hold-approach-if-we-are-to-overcome-that-impulse/</loc><lastmod>2020-12-10T11:05:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/12/buy-and-hold-goon-to-rob-why-has-shiller-continued-to-tell-people-even-as-recently-as-last-month-to-keep-buying-stocks-either-he-is-lying-or-you-are-misrepresenting-his-work-which-is-it/</loc><lastmod>2020-12-14T13:21:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/13/valuation-informed-indexing-529-if-market-timing-works-at-all-it-works-all-the-time/</loc><lastmod>2020-12-15T09:42:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/14/to-say-that-irrational-exuberance-exists-is-to-predict-a-price-crash-whenever-stock-prices-get-out-of-hand/</loc><lastmod>2020-12-15T10:35:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/15/wade-was-wrong-when-he-said-what-he-said-what-he-said-was-absolutely-idiotic-he-said-that-greaney-had-solved-the-problem-on-the-first-day-when-he-said-that-anyone-who-wanted-to-take-a-lower-withdr/</loc><lastmod>2020-12-16T16:01:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/18/one-significant-difference-between-shiller-and-me-is-that-he-directs-a-lot-of-energy-to-describing-the-narratives-that-investors-use-to-form-their-stock-buying-decisions-i-see-narratives-as-bei/</loc><lastmod>2020-12-18T09:12:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/19/when-john-bogle-put-up-his-post-saying-that-he-could-see-how-valuation-informed-indexing-could-work-i-believe-that-he-was-putting-out-a-feeler-to-mel-lindauer-he-was-trying-to-resolve-the-friction/</loc><lastmod>2020-12-18T15:31:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/20/bogle-obviously-knew-someone-for-whom-market-timing-worked-unless-we-are-to-believe-that-bogle-does-not-know-himself/</loc><lastmod>2020-12-18T17:01:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/21/my-aim-is-to-set-up-a-new-version-of-every-investing-discussion-board-and-blog-on-the-internet-a-new-honest-version-one-that-permits-discussion-of-the-last-39-years-of-peer-reviewed-research-in-t/</loc><lastmod>2020-12-20T20:18:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/22/the-published-rules-of-the-various-sites-did-not-come-into-being-as-some-sort-of-aberration-they-say-something-about-what-we-are-as-a-people/</loc><lastmod>2020-12-21T19:12:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/25/thats-the-distance-that-we-have-been-trying-to-travel-for-18-years-we-have-the-research-showing-that-a-valuation-adjustment-is-required-but-we-dont-want-to-hurt-the-feelings-of-t/</loc><lastmod>2020-12-21T19:07:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/26/valuation-informed-indexing-530-todays-low-interest-rates-should-make-us-even-more-concerned-about-todays-high-stock-prices/</loc><lastmod>2020-12-22T14:17:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/28/looking-for-data-to-support-the-idea-that-market-timing-is-not-required-is-like-looking-for-data-to-support-a-perpetual-motion-machine/</loc><lastmod>2021-01-01T12:04:47-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/27/valuation-informed-indexing-531-rising-interest-rates-could-lock-in-irrational-depression-at-the-worst-possible-time/</loc><lastmod>2020-12-31T19:18:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/01/29/when-you-tell-the-truth-about-stock-investing-you-are-pointing-put-the-dangers-of-the-get-rich-quickbuy-and-hold-urge-that-resides-within-all-of-us-you-are-finding-fault-with-your-fellow-humans/</loc><lastmod>2021-01-29T09:54:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/01/any-market-timing-that-people-engaged-in-a-few-years-ago-to-bring-stock-prices-down-did-not-work-in-the-sense-that-stock-prices-are-still-insanely-high-but-it-was-a-noble-effort-if-we-had-been/</loc><lastmod>2021-01-05T17:51:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/02/it-is-certainly-so-that-the-last-14-years-did-not-work-out-as-i-thought-they-would-if-someone-said-that-they-were-not-going-to-follow-the-valuation-informed-indexing-strategy-as-a-result-i-would-n/</loc><lastmod>2021-01-05T18:07:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/03/the-buy-and-holder-does-not-have-the-money-in-his-portfolio-the-buy-and-holder-has-irrational-exuberance-in-his-portfolio-irrational-exuberance-is-not-real-lasting-money-it-is-pretend-temporary/</loc><lastmod>2021-01-05T18:29:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/04/valuation-informed-indexing-532-did-the-basics-of-how-stock-investing-works-change-in-1996/</loc><lastmod>2021-01-05T19:16:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/05/irrational-exuberance-is-real-acting-together-as-a-society-we-can-rein-it-in-not-one-of-us-has-the-power-to-do-that-acting-alone-this-is-a-group-project/</loc><lastmod>2021-01-06T09:45:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/08/buy-and-hold-goons-response-to-robs-assertion-that-todays-cape-needs-to-be-taken-into-consideration-to-know-what-those-portfolios-will-show-tomorrow-no-it-doesnt/</loc><lastmod>2021-01-06T09:54:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/09/i-think-it-would-be-fair-to-say-that-i-am-the-worlds-foremost-authority-on-two-subjects-1-the-valuation-informed-indexing-strategy-which-i-have-been-developing-full-time-for-over-18-yea/</loc><lastmod>2021-01-06T17:57:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/10/i-publicly-pointed-out-the-error-in-the-buy-and-hold-retirement-studies-on-the-morning-of-may-13-2002-shiller-has-not-done-that-as-of-today-so-i-am-18-years-ahead-of-him-re-that-one/</loc><lastmod>2021-01-07T08:56:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/11/no-one-with-any-credentials-has-said-that-they-believe-that-the-greaney-study-contains-a-valuation-adjustment-full-truth-be-told-greaney-himself-has-not-said-that-greaney-ought-to-know-what-is-co/</loc><lastmod>2021-01-07T09:12:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/12/we-need-to-insist-on-reasonable-enforcement-of-those-laws-if-we-want-to-advance-in-our-understanding-of-how-stock-investing-works/</loc><lastmod>2021-01-07T12:13:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/15/the-problem-is-the-criminal-stuff/</loc><lastmod>2021-01-07T12:31:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/16/buy-ans-hold-goon-to-rob-there-is-no-possibility-that-all-of-these-people-are-liars-and-only-rob-bennett-is-the-truthful-one/</loc><lastmod>2021-01-07T17:06:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/17/i-say-that-we-all-experts-and-ordinary-investors-alike-have-a-lack-of-understanding/</loc><lastmod>2021-01-08T08:25:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/18/irrational-exuberance-exists-it-is-the-primary-job-of-investment-experts-to-help-us-all-to-do-everything-in-our-power-to-combat-this-horribly-destructive-force/</loc><lastmod>2021-01-08T14:46:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/19/if-someone-says-that-one-of-the-things-that-i-say-is-right-they-know-that-they-will-be-led-by-logic-to-saying-that-all-of-the-things-that-i-say-are-right/</loc><lastmod>2021-01-11T07:19:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/22/if-we-need-to-consider-valuations-when-planning-a-retirement-we-need-to-consider-valuations-when-setting-a-stock-allocation-and-we-need-to-consider-valuations-when-looking-for-the-cause-of-an-econ/</loc><lastmod>2021-01-11T07:33:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/23/if-i-succeed-in-opening-every-discussion-board-and-blog-on-the-internet-to-honest-posting-re-the-last-40-years-of-peer-reviewed-research-in-this-field-i-will-have-accomplished-50-times-what-i-thoug/</loc><lastmod>2021-01-11T11:42:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/24/valuation-informed-indexing-533-should-trigger-warnings-be-attached-to-discussions-of-irrational-exuberance/</loc><lastmod>2021-01-12T10:04:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/25/buy-and-hold-goon-to-rob-it-doesnt-matter-what-you-think-robs-response-it-matters-what-i-think-when-it-is-my-name-going-on-a-post/</loc><lastmod>2021-01-17T08:05:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/02/26/the-title-of-shillers-book-is-irrational-exuberance/</loc><lastmod>2021-01-18T10:37:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/01/shillers-original-title-for-his-book-was-the-crazy-numbers-in-the-retirement-study-posted-at-john-greaneys-web-site-show-how-dangerous-irrational-exuberance-can-become-its/</loc><lastmod>2021-01-19T12:58:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/02/valuation-informed-indexing-534-was-buy-and-hold-just-a-money-making-scheme-going-back-to-the-first-day/</loc><lastmod>2021-01-19T19:12:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/03/a-lot-of-the-most-important-things-that-i-need-to-see-happen-have-already-happened/</loc><lastmod>2021-01-21T13:49:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/04/if-buy-and-hold-were-a-real-thing-the-buy-and-holders-would-welcome-challenges-to-their-thinking/</loc><lastmod>2021-01-21T13:57:54-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/05/i-think-that-the-opposition-to-the-criminal-stuff-is-what-the-world-really-believes-and-the-support-for-the-get-rich-quick-stuff-is-just-a-temporary-thing-so-i-believe-that-i-am-acting-in-concert-w/</loc><lastmod>2021-01-21T14:09:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/08/the-universal-consensus-is-that-i-am-right-you-goons-think-that-i-am-right-if-you-didnt-think-that-you-never-would-have-engaged-in-a-single-criminal-act-you-would-just-engage-in-civil-a/</loc><lastmod>2021-01-21T14:20:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/09/buy-and-hold-goon-to-rob-fine-everyone-thinks-youre-right-enjoy-your-self-imposed-isolation/</loc><lastmod>2021-01-21T14:28:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/10/buy-and-hold-goon-to-rob-the-universal-consensus-is-that-you-are-wrong-you-know-we-are-right-and-you-try-to-deflect-by-calling-everyone-goons-that-is-why-you-make-up-stories-about-criminal-acts/</loc><lastmod>2021-01-21T14:38:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/11/it-is-just-a-distraction-to-act-like-the-death-threats-themselves-are-a-big-deal-the-big-deal-is-that-i-pointed-out-an-error-in-a-retirement-study-19-years-ago-and-it-has-not-been-corrected-to-this/</loc><lastmod>2021-01-21T14:47:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/12/we-all-played-a-role-either-in-making-that-happen-or-in-letting-it-happen-and-we-are-all-ashamed-of-ourselves-for-not-doing-more-to-bring-it-to-a-full-and-complete-stop-many-years-ago-we-are-going/</loc><lastmod>2021-01-24T18:40:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/15/valuation-informed-indexing-535-the-more-we-talk-about-market-timing-the-better-we-will-get-at-doing-it/</loc><lastmod>2021-01-26T12:14:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/16/none-of-this-makes-sense-until-you-come-to-understand-that-while-just-about-all-of-us-oppose-the-use-of-death-threats-and-career-threats-to-continue-a-massive-act-of-financial-fraud-just-about-all/</loc><lastmod>2021-01-27T15:23:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/17/90-percent-of-the-population-believes-that-buy-and-holdget-rich-quick-is-a-real-thing-even-though-that-group-might-oppose-death-threats-in-the-abstract-they-support-the-continued-promotion-of-get/</loc><lastmod>2021-01-27T15:40:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/18/going-with-a-buy-and-hold-strategy-is-always-a-negative-because-buy-and-holders-refuse-to-engage-in-market-timing-and-market-timing-is-essential-if-you-want-to-keep-your-risk-profile-constant-over-t/</loc><lastmod>2021-01-31T11:03:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/19/i-dont-view-irrational-exuberance-as-something-you-can-miss-out-on-i-view-irrational-exuberance-as-something-you-try-like-heck-to-avoid/</loc><lastmod>2021-02-01T18:14:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/22/markets-dont-work-when-access-to-a-free-flow-of-information-is-blocked/</loc><lastmod>2021-02-01T18:25:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/23/valuation-informed-indexing-536-the-hill-and-valley-pattern-of-stock-prices-is-strong-evidence-that-shiller-is-right/</loc><lastmod>2021-02-02T15:42:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/24/saying-that-there-is-no-harm-from-going-with-a-pure-get-rich-quickbuy-and-hold-approach-because-someday-in-the-future-stock-prices-will-go-up-again-is-like-saying-that-there-is-no-harm-from-losing/</loc><lastmod>2021-02-03T18:59:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/25/when-is-the-last-time-you-heard-someone-rooting-for-stock-prices-to-drop-it-doesnt-happen-sellers-root-for-high-prices-and-buyers-root-for-high-prices-there-is-no-tension-between-the-two-sides/</loc><lastmod>2021-02-03T19:16:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/26/bubbles-cannot-be-contained-in-a-single-market-once-pretend-money-is-created-the-bubble-in-the-market-in-which-it-is-created-spreads-to-other-markets-in-time-it-destroys-our-entire-economic-syst/</loc><lastmod>2021-02-03T19:29:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/29/buy-and-hold-goon-to-rob-nothing-you-say-is-accurate-or-factually-based-it-is-just-your-opinion-end-of-story/</loc><lastmod>2021-02-04T15:36:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/30/valuation-informed-indexing-537-believing-in-shillers-research-is-a-money-loser/</loc><lastmod>2021-02-09T11:27:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/03/31/i-was-a-buy-and-holder-at-one-time-because-it-was-promoted-as-science-and-that-is-what-i-was-looking-for-that-post-aint-science-buy-and-hold-is-not-today-what-it-was-when-it-started-out/</loc><lastmod>2021-02-14T20:26:45-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/01/valuation-informed-indexing-538-every-investor-should-know-the-basics-of-how-the-stock-market-works/</loc><lastmod>2021-02-16T14:51:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/02/where-would-we-be-as-a-society-if-doctors-were-not-permitted-to-discourage-their-patients-from-smoking-because-the-tobacco-companies-felt-that-they-could-make-more-money-if-people-were-kept-in-the-d/</loc><lastmod>2021-02-16T16:29:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/05/15942/</loc><lastmod>2021-02-17T15:25:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/06/my-answer-is-to-do-everything-we-can-to-make-the-buy-and-holders-feel-better-about-the-mistake-they-made-by-pointing-out-the-dozens-of-powerful-insights-that-they-developed-and-shared-with-us-all-wh/</loc><lastmod>2021-02-19T15:22:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/07/valuation-informed-indexing-539/</loc><lastmod>2021-02-25T15:18:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/08/ive-spoken-to-many-people-about-what-happened-to-wade-pfau-everyone-who-i-told-the-story-to-found-it-shocking-no-one-has-ever-questioned-whether-i-was-telling-the-truth/</loc><lastmod>2021-02-25T22:16:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/09/a-nation-cannot-survive-indefinitely-if-there-is-no-means-to-communicate-to-millions-of-investors-what-the-peer-reviewed-research-teaches-us-all-about-how-stock-investing-works-in-the-real-world-th/</loc><lastmod>2021-02-26T15:07:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/12/you-dont-have-to-take-anybodys-word-for-anything-it-wouldnt-take-you-10-minutes-to-pull-up-greaneys-study-for-yourself-and-see-whether-it-contains-an-adjustment-for-the-valuation-level-that/</loc><lastmod>2021-02-26T15:15:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/13/why-are-there-people-who-still-talk-about-the-efficient-market-theory-as-if-it-were-a-real-thing-there-is-no-intellectual-reason-for-doing-so-there-is-an-institutional-reason-for-doing-so/</loc><lastmod>2021-03-02T15:40:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/14/valuation-informed-indexing-540-the-power-of-market-timing-is-counterintuitive/</loc><lastmod>2021-03-02T17:04:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/15/its-not-just-me-it-is-10-percent-of-the-population-that-today-believes-that-shillers-nobel-prize-winning-research-is-legitimate-research-i-want-to-make-it-90-percent-that-wont-happen-until/</loc><lastmod>2021-03-02T16:14:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/16/valuation-informed-indexing-541-its-not-economic-developments-that-cause-market-turns/</loc><lastmod>2021-03-10T13:48:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/19/none-of-us-should-want-to-see-a-second-great-depression/</loc><lastmod>2021-03-11T16:19:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/20/i-pointed-out-an-error-in-a-retirement-study-and-it-has-not-been-corrected-for-19-years-it-takes-more-than-death-threats-for-something-like-that-to-happen-a-lot-of-people-have-to-want-very-much-no/</loc><lastmod>2021-03-17T10:37:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/21/valuation-informed-indexing-542-what-is-the-worst-price-crash-that-is-within-the-realm-of-the-reasonable/</loc><lastmod>2021-03-18T16:02:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/22/valuation-informed-indexing-543-why-i-am-obsessed-with-the-topic-of-stock-valuations/</loc><lastmod>2021-03-23T10:16:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/23/telling-someone-that-he-missed-out-on-the-largest-bull-market-we-have-ever-seen-is-like-telling-him-that-he-missed-out-on-the-largest-nuclear-war-that-we-have-ever-seen/</loc><lastmod>2021-03-23T15:07:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/26/a-market-in-which-errors-in-retirement-studies-are-not-corrected-is-not-a-functioning-market/</loc><lastmod>2021-03-25T10:40:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/27/learning-should-be-permitted-in-the-investment-advice-field-to-the-same-extent-that-it-is-permitted-in-every-other-field/</loc><lastmod>2021-03-27T11:42:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/28/get-rich-quickbuy-and-hold-strategies-always-have-the-emotional-edge-permitting-honest-posting-re-the-peer-reviewed-research-gives-reason-based-strategies-a-fighting-chance/</loc><lastmod>2021-03-27T16:28:50-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/29/valuation-informed-indexing-544-i-like-cash-because-i-like-stocks/</loc><lastmod>2021-03-30T17:30:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/04/30/you-count-the-accumulation-of-more-irrational-exuberance-in-ones-portfolio-as-a-reward-i-do-not-the-more-irrational-exuberance-there-is-in-a-persons-portfolio-the-less-able-he-is-to-engag/</loc><lastmod>2021-04-01T09:30:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/03/15992/</loc><lastmod>2021-04-01T10:57:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/04/valuation-informed-indexing-545-is-shiller-losing-confidence-in-his-own-research/</loc><lastmod>2021-04-06T16:29:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/05/if-irrational-exuberance-exists-you-need-to-consider-it-in-all-calculations-if-you-consider-it-you-get-a-different-answer-than-the-buy-and-holders-every-time/</loc><lastmod>2021-04-06T16:46:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/06/rob-please-provide-the-records-showing-what-percentage-of-buy-and-holders-stuck-with-their-high-stock-allocation-the-last-time-the-cape-value-dropped-to-8-goon-response-by-definition-that-woul/</loc><lastmod>2021-04-07T18:10:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/07/if-you-found-out-about-the-911-attacks-before-they-happened-and-you-felt-that-there-was-some-risk-to-your-family-if-you-went-to-the-authorities-would-you-have-kept-your-mouth-shut-if-you-did-wou/</loc><lastmod>2021-04-07T18:28:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/10/the-thing-that-holds-us-back-is-the-goonishness-within-us-all-that-so-much-desires-something-for-nothing-that-it-rejects-the-idea-of-applying-human-reason-to-the-stock-investing-project/</loc><lastmod>2021-04-07T18:42:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/11/buy-and-hold-goon-to-rob-so-we-can-expect-to-find-your-book-in-the-fiction-section/</loc><lastmod>2021-04-07T18:51:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/12/buy-and-hold-goon-to-rob-the-nation-wont-survive-if-rob-bennett-is-not-allowed-to-post-what-he-wants-on-other-peoples-websites-really/</loc><lastmod>2021-04-09T13:06:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/13/i-believe-that-the-laws-against-death-threats-and-against-extortion-and-against-fraud-are-good-and-important-and-necessary-laws-if-we-had-not-applied-those-laws-in-other-fields-of-human-endeavor-w/</loc><lastmod>2021-04-09T13:24:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/14/everyone-who-was-aware-of-the-error-was-under-an-obligation-to-point-it-out-when-people-are-intimidated-into-silence-through-the-use-of-criminal-acts-it-plants-a-false-impression-in-the-minds-of-a/</loc><lastmod>2021-04-09T13:35:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/17/i-know-of-no-one-who-knows-less-about-how-stock-investing-works-than-you-so-if-its-so-important-to-share-correct-information-we-need-to-ban-the-lunatics-who-think-staying-out-of-stocks-for-25-ye/</loc><lastmod>2021-04-09T16:45:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/18/human-beings-get-themselves-into-trouble-by-turning-off-their-brains-and-giving-in-to-emotional-impulses-its-been-happening-since-the-beginning-of-time-shiller-told-us-what-we-need-to-know-to-in/</loc><lastmod>2021-04-11T17:13:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/19/if-fama-is-right-the-risk-of-a-crash-is-not-greater-today-than-at-any-randomly-chosen-time-but-if-shiller-is-right-which-i-believe-is-the-case-the-risk-is-much-much-greater-today-the-risk-is/</loc><lastmod>2021-04-12T18:36:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/20/valuation-informed-indexing-546-there-is-a-natural-tension-between-get-rich-quick-and-research-based-investment-strategies/</loc><lastmod>2021-04-13T16:48:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/21/criminal-acts-are-desperation-moves-the-fact-that-you-have-behaved-as-you-have-over-the-past-19-years-shows-that-buy-and-hold-is-hanging-on-by-its-fingernails/</loc><lastmod>2021-04-16T14:34:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/24/there-is-no-intellectual-support-for-buy-and-hold-what-there-is-is-a-mountain-of-institutional-support/</loc><lastmod>2021-04-16T14:40:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/25/every-day-that-the-greaney-retirement-study-goes-uncorrected-is-more-support-for-valuation-informed-indexing-if-buy-and-hold-were-a-real-thing-every-buy-and-holder-would-want-to-know-about-any-err/</loc><lastmod>2021-04-16T14:51:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/26/valuation-informed-indexing-547-buy-and-hold-is-more-than-an-investing-strategy-it-is-a-way-of-thought/</loc><lastmod>2021-04-20T18:15:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/27/i-havent-collected-a-penny-thats-the-entire-problem-in-all-other-fields-of-human-endeavor-we-offer-incentives-for-people-who-do-things-properly-and-penalties-for-those-who-do-things-imprope/</loc><lastmod>2021-04-23T20:32:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/28/are-the-buy-and-holders-not-victims-they-are-responsible-for-many-big-advances-in-our-understanding-of-how-stock-investing-works-they-got-the-market-timing-thing-wrong-not-because-they-are-dumb-o/</loc><lastmod>2021-04-23T20:42:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/05/31/in-a-world-in-which-honest-posting-was-permitted-and-the-market-was-permitted-to-function-normally-the-cape-value-would-probably-never-go-below-12-or-above-20/</loc><lastmod>2021-04-27T18:11:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/01/if-you-found-out-about-the-911-terrorist-attacks-before-they-happened-would-you-elect-not-to-inform-the-authorities-on-grounds-that-there-was-some-risk-that-reporting-the-matter-would-put-you-in-pe/</loc><lastmod>2021-05-02T09:37:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/02/if-shillers-research-is-legitimate-then-any-strategy-not-emphasizing-the-importance-of-market-timing-is-a-scam/</loc><lastmod>2021-05-04T16:14:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/03/if-there-had-been-no-criminal-acts-we-might-have-had-50000-people-speak-out-in-support-of-valuation-informed-indexing-or-it-might-be-500000-people-or-5-million-or-50-million-or-500-million-w/</loc><lastmod>2021-05-04T16:32:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/04/valuation-informed-indexing-549-solving-puzzles-can-yield-big-investing-insights/</loc><lastmod>2021-05-04T16:41:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/07/valuation-informed-indexing-550-assurances-that-stock-prices-will-go-back-up-again-dont-count-for-much-after-a-crash/</loc><lastmod>2021-05-13T15:55:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/08/the-normals-are-torn-today-between-their-respect-for-rationality-and-their-love-for-the-temporary-fruits-of-get-rich-quick-strategies/</loc><lastmod>2021-05-13T16:59:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/09/the-retire-early-board-was-an-amazing-place-in-the-days-before-greaney-and-his-goon-squad-burned-it-to-the-ground/</loc><lastmod>2021-05-16T14:17:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/10/valuation-informed-indexing-551-the-temptation-to-overprice-stocks-is-ever-present/</loc><lastmod>2021-05-20T14:08:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/11/how-many-times-have-you-heard-greaney-say-i-absolutely-included-a-valuation-adjustment-in-my-study-i-dont-ever-recall-hearing-him-say-that-thats-one-tiny-way-in-which-he-has-been-honest-h/</loc><lastmod>2021-05-20T14:37:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/14/if-buy-and-hold-were-a-real-thing-no-buy-and-holder-would-be-banning-anyone-from-anything-if-it-were-a-real-thing-the-buy-and-holders-would-be-inviting-challenges-to-their-thinking-thats-how-y/</loc><lastmod>2021-05-20T14:45:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/15/try-doing-it-without-the-criminal-stuff-for-a-few-weeks-and-see-what-happens-the-internet-will-explode-if-you-do-that/</loc><lastmod>2021-05-20T14:51:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/16/there-is-no-subject-matter-re-which-all-humans-agree-in-all-areas-other-than-the-investment-advice-field-we-permit-all-sorts-of-different-viewpoints-to-be-expressed-that-way-different-ideas-circ/</loc><lastmod>2021-05-21T05:16:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/17/pull-up-the-retirement-study-at-john-greaneys-web-site-and-see-if-it-contains-an-adjustment-for-the-valuation-level-that-applies-on-the-day-the-retirement-begins-the-answer-to-that-inquiry-tells/</loc><lastmod>2021-05-21T14:06:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/18/valuation-informed-indexing-552-when-we-reject-market-timing-we-are-rejecting-rationality/</loc><lastmod>2021-05-26T17:56:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/21/if-irrational-exuberance-is-a-real-thing-it-is-the-1-enemy-of-stock-investors/</loc><lastmod>2021-05-26T18:29:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/22/it-is-very-scary-that-we-are-19-years-down-the-road-and-the-study-has-not-been-corrected-to-this-day-thats-the-number-one-public-policy-issue-before-our-nation-today-we-all-should-be-talking-abo/</loc><lastmod>2021-05-28T09:17:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/23/when-people-considered-the-error-in-the-greaney-retirement-study-they-lost-confidence-in-the-study-that-was-why-greaney-got-so-upset-he-wanted-to-maintain-confidence-in-the-study-and-the-point-t/</loc><lastmod>2021-05-29T11:32:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/24/you-say-that-because-you-are-a-buy-and-holder-you-are-biased-and-you-are-highly-emotional-on-this-subject/</loc><lastmod>2021-05-29T11:37:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/25/if-you-dont-get-the-question-of-whether-market-timing-is-required-or-not-right-you-cant-get-anything-right-that-one-is-fundamental/</loc><lastmod>2021-05-29T19:06:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/28/are-you-willing-to-drop-all-of-the-criminal-stuff-and-just-ask-shiller-some-questions-in-a-non-hostile-way-for-the-purpose-of-determining-his-true-beliefs-re-these-matters/</loc><lastmod>2021-05-30T11:02:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/29/if-we-opened-every-site-to-honest-posting-on-the-last-40-years-of-research-tomorrow-morning-that-would-cause-a-massive-price-crash-and-an-economic-crisis/</loc><lastmod>2021-06-01T06:18:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/06/30/buy-and-hold-goon-to-rob-why-should-you-dictate-the-price-of-stock-price-is-always-determined-by-what-someone-is-willing-to-pay/</loc><lastmod>2021-06-01T06:51:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/01/when-i-say-that-todays-cape-value-is-insane-i-am-saying-that-the-humans-are-insane/</loc><lastmod>2021-06-01T10:07:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/02/a-seven-year-old-understands-that-you-cannot-calculate-the-safe-withdrawal-rate-without-taking-valuations-into-account-i-made-a-point-that-was-obviously-true-and-that-was-very-hurtful-to-lots-of-pe/</loc><lastmod>2021-06-01T10:18:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/05/research-helps-us-to-appreciate-reality-and-thereby-to-keep-our-imaginations-in-check/</loc><lastmod>2021-06-01T10:23:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/06/a-big-part-of-the-problem-is-that-you-do-not-want-to-know-how-stock-investing-works-you-prefer-not-to-know-to-being-confronted-with-mistakes-that-you-have-made-in-the-past/</loc><lastmod>2021-06-02T15:53:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/07/rob-we-need-to-hear-the-positions-of-both-sides-expressed-with-the-full-strength-with-which-they-are-felt-buy-and-hold-goon-response-thats-ridiculous/</loc><lastmod>2021-06-02T16:02:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/08/the-mistake-that-the-buy-and-holders-make-is-in-thinking-that-since-we-cannot-predict-when-a-crash-will-come-we-cannot-effectively-assess-when-the-risk-of-a-crash-is-greater/</loc><lastmod>2021-06-02T16:09:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/09/valuation-informed-indexing-553-the-important-story-is-why-some-forms-of-market-timing-dont-work/</loc><lastmod>2021-06-24T12:50:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/16/in-ordinary-circumstances-the-words-valuations-affect-long-term-returns-should-have-been-enough-to-persuade-every-person-on-the-planet-that-there-is-precisely-zero-chance-that-the-safe-withdraw/</loc><lastmod>2021-06-24T12:11:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/19/if-you-want-to-know-why-nothing-has-been-done-about-the-death-threats-ask-yourself-why-nothing-has-been-done-about-the-error-in-greaneys-retirement-study-thats-the-story-that-matters-if-we-ca/</loc><lastmod>2021-06-24T12:12:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/12/is-it-just-a-factual-observation-that-the-sun-revolves-around-the-earth-ignore-many-years-of-scientific-research-and-you-can-get-your-mind-to-a-place-where-that-does-indeed-appear-to-be-a-fac/</loc><lastmod>2021-06-24T12:56:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/21/valuation-informed-indexing-554-its-a-logical-impossibility-that-buy-and-hold-could-ever-offer-good-risk-adjusted-results/</loc><lastmod>2021-06-24T12:13:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/16/all-that-would-be-lost-if-we-permitted-honest-posting-is-the-crazy-ups-and-downs-that-have-characterized-the-stock-market-in-the-pre-shiller-era-a-steady-return-of-6-5-percent-real-without-the-eco/</loc><lastmod>2021-06-24T13:01:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/11/if-we-see-hundreds-of-thousands-of-businesses-go-under-its-a-horrible-bull-market-and-for-what-we-get-the-same-6-5-percent-real-return-regardless-of-whether-we-play-these-games-to-push-prices-u/</loc><lastmod>2021-06-24T12:54:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/20/you-have-spent-the-last-40-years-living-in-denial-as-to-what-the-peer-reviewed-research-tells-us-all-about-how-stock-investing-works-in-the-real-world-and-insisting-that-as-a-society-we-must-never/</loc><lastmod>2021-06-10T14:02:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/13/the-buy-and-holders-still-act-as-if-their-strategy-is-the-only-game-in-town-they-still-move-to-silence-those-who-challenge-their-dogmas-it-is-the-ban-on-honest-posting-that-is-as-odd-as-all-get-ou/</loc><lastmod>2021-06-24T12:57:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/22/if-at-that-time-we-gave-the-manufacturers-of-typewriters-the-power-to-destroy-any-company-that-tried-to-manufacture-a-computer-we-would-not-have-computers-or-cell-phones-today-you-have-no-idea-how/</loc><lastmod>2021-06-12T11:29:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/28/i-sincerely-believe-that-robert-shillers-nobel-prize-winning-research-is-legitimate-research-so-every-thing-that-i-say-is-100-percent-in-conflict-with-what-the-buy-and-holders-believe/</loc><lastmod>2021-06-24T13:11:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/29/if-irrational-exuberance-is-a-real-thing-you-need-to-take-it-into-consideration-in-every-decision-that-you-make-about-stock-investing/</loc><lastmod>2021-06-24T13:11:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/26/the-longer-the-cover-up-continues-the-harder-it-becomes-to-overcome-it-the-longer-the-cover-up-continues-the-more-people-there-are-who-would-be-upset-to-see-it-exposed/</loc><lastmod>2021-06-24T13:03:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/27/is-it-a-conspiracy-when-people-drive-too-fast-is-it-a-conspiracy-when-people-smoke-is-it-a-conspiracy-when-people-gamble-money-they-cannot-afford-to-lose-humans-are-self-destructive-in-many-ways/</loc><lastmod>2021-06-24T13:03:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/09/the-community-loves-this-stuff-that-has-been-true-going-back-to-the-first-day-it-is-the-communitys-love-for-this-stuff-that-caused-the-goon-freak-out/</loc><lastmod>2021-06-24T13:14:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/30/say-that-there-is-a-1-in-100-chance-that-i-was-right-that-the-greaney-study-lacks-an-adjustment-for-the-valuation-level-that-applies-on-the-day-the-retirement-begins-if-that-is-so-then-we-should-b/</loc><lastmod>2021-06-14T16:56:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/02/buy-and-hold-goon-to-rob-its-not-what-you-say-about-yourself-it-is-what-others-say-you-have-to-learn-how-to-deal-with-that-reality/</loc><lastmod>2021-06-14T17:04:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/03/the-return-that-you-obtain-on-stocks-is-the-result-of-the-increase-in-the-value-of-the-companies-the-increase-in-value-is-the-same-regardless-of-how-much-risk-we-add-by-failing-to-practice-price-di/</loc><lastmod>2021-06-15T10:11:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/04/valuation-informed-indexing-555-those-of-us-who-believe-that-valuations-matter-always-end-up-questioning-ourselves/</loc><lastmod>2021-06-15T10:34:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/05/buy-and-holder-to-rob-if-stocks-were-not-volatile-and-were-risk-free-they-would-have-the-same-returns-as-treasuries/</loc><lastmod>2021-06-18T09:47:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/06/buy-and-hold-goon-the-market-is-dropping-again-today-rob-notice-that-no-one-ever-blames-buy-and-hold-as-the-reason-for-the-drop/</loc><lastmod>2021-06-24T13:13:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/10/if-shillers-research-is-legitimate-we-are-going-to-see-an-ocean-of-human-misery-during-the-next-buy-and-hold-crisis-that-is-going-to-melt-peoples-hearts-people-are-going-to-work-up-the-coura/</loc><lastmod>2021-06-24T12:51:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/12/there-is-a-process-to-learning-the-truth-over-time-part-of-the-process-is-permitting-challenges-to-things-that-were-once-widely-believed-to-be-the-truth/</loc><lastmod>2021-06-24T12:02:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/15/valuation-informed-indexing-556-stocks-are-more-risky-today-than-they-were-in-january-2000/</loc><lastmod>2021-06-24T12:10:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/23/there-is-no-such-thing-as-cheap-if-the-market-is-efficient-if-there-is-such-a-thing-as-cheap-there-is-such-a-thing-as-expensive-if-there-is-such-a-thing-as-expensive-we-all-should-be-timing/</loc><lastmod>2021-06-24T12:15:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/13/research-takes-you-out-of-the-emotion-of-the-moment/</loc><lastmod>2021-06-24T12:04:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/07/14/the-thing-that-is-consistent-about-buy-and-holders-is-that-they-always-do-the-emotional-thing-buy-and-holders-hate-the-peer-reviewed-research-because-the-research-supports-the-reason-based-approach/</loc><lastmod>2021-06-24T12:09:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/17/you-say-that-timing-is-a-mistake-i-say-that-it-is-absolutely-critical-the-market-cannot-do-its-core-job-getting-prices-right-if-investors-dont-engage-in-market-timing/</loc><lastmod>2021-06-26T11:56:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/18/you-always-need-to-adjust-the-number-on-your-portfolio-statement-for-the-effect-of-irrational-exuberance-to-know-the-real-numbers-failing-to-do-that-always-hurts-you-because-it-is-always-a-bad-thin/</loc><lastmod>2021-06-26T12:05:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/19/buy-and-hold-goon-to-rob-your-jury-will-demand-to-see-proof-of-death-threats-your-jury-will-demand-to-see-proof-of-vii-outcomes-your-jury-will-demand-to-see-proof-of-extortion-your-jury-will-fin/</loc><lastmod>2021-06-26T12:11:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/20/valuation-informed-indexing-557-buy-and-hold-is-only-popular-at-times-when-it-is-dangerous/</loc><lastmod>2021-06-29T15:23:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/24/if-motley-fool-had-given-greaney-the-boot-when-he-advanced-his-first-death-threat-as-i-recommended-at-the-time-valuation-informed-indexing-would-today-be-the-dominant-model-for-understanding-stoc/</loc><lastmod>2021-07-03T07:23:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/23/the-4-percent-rule-is-not-something-that-greaney-made-up-himself-that-rule-was-cited-in-thousands-of-newspaper-articles-hundreds-of-thousands-of-investment-advisers-cited-that-rule-in-retirement-p/</loc><lastmod>2021-07-02T17:06:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/25/what-i-say-is-that-the-greaney-retirement-study-lacks-an-adjustment-for-the-valuation-level-that-applies-on-the-day-the-retirement-begins-it-shouldnt-take-19-years-to-determine-whether-that-is-so/</loc><lastmod>2021-07-03T07:33:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/26/there-are-two-ways-to-do-stock-investing-you-can-go-rational-or-you-can-go-emotional-the-only-explanation-for-failing-to-correct-errors-in-retirement-studies-is-that-you-have-gone-emotional-there/</loc><lastmod>2021-07-03T13:17:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/27/i-think-it-would-be-fair-to-say-that-we-will-all-enjoy-the-greatest-surge-of-economic-growth-in-our-nations-history-and-that-there-will-not-be-one-person-looking-back-with-longing-to-the-buy-and-h/</loc><lastmod>2021-07-05T07:15:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/30/valuation-informed-indexing-558-the-term-irrational-exubernace-is-a-synonym-for-scam/</loc><lastmod>2021-07-06T18:00:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/08/31/the-shift-from-buy-and-hold-to-valuation-informed-indexing-is-the-biggest-advance-in-the-history-of-personal-finance/</loc><lastmod>2021-07-07T10:16:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/01/the-only-thing-holding-us-back-today-is-the-unwillingness-of-the-buy-and-holders-to-say-the-words-i-and-was-and-wrong/</loc><lastmod>2021-07-07T13:07:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/02/every-member-of-my-family-lives-in-the-united-states-my-mother-lived-through-the-great-depression-she-told-me-stories-this-way-i-can-go-to-sleep-at-night-knowing-that-i-did-everything-in-my-powe/</loc><lastmod>2021-07-08T12:16:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/03/once-every-investor-appreciates-how-important-it-is-to-engage-in-market-timing-there-will-be-mountains-of-material-generated-to-help-them-do-it-effectively-there-will-be-all-sorts-of-good-stuff-av/</loc><lastmod>2021-07-12T20:54:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/06/valuation-informed-indexing-559-we-need-more-information-to-get-stock-prices-right/</loc><lastmod>2021-07-13T11:30:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/07/saying-that-there-is-no-need-for-people-to-see-honest-posting-re-the-last-40-years-of-peer-reviewed-research-in-this-field-is-like-saying-that-there-is-no-need-for-people-to-hear-that-eating-an-unhe/</loc><lastmod>2021-07-17T10:35:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/08/so-long-as-those-of-us-who-believe-that-the-study-lacks-a-valuation-adjustment-are-free-to-say-that-people-are-on-notice-as-to-the-problems-with-the-study/</loc><lastmod>2021-07-17T10:45:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/09/taking-valuations-into-consideration-permits-you-to-make-rational-asset-allocation-choices-adding-rationality-to-the-decision-making-process-is-always-a-plus/</loc><lastmod>2021-07-17T10:51:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/10/valuation-informed-indexing-560-high-stock-prices-are-sticky/</loc><lastmod>2021-07-21T14:52:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/13/even-if-it-turns-out-that-i-am-wrong-and-that-the-greaney-study-really-does-contain-a-valuation-adjustment-after-all-the-questioning-generated-lots-of-discussion-and-thus-applied-us-all-with-an-ama/</loc><lastmod>2021-07-25T09:02:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/14/buy-and-hold-goon-to-rob-the-last-20-years-did-not-turn-out-as-you-said-it-would-why-should-anyone-listen-to-what-you-have-to-say/</loc><lastmod>2021-07-25T18:36:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/15/the-great-depression-was-a-great-boon-to-mankind-the-near-depression-of-the-early-1900s-was-a-great-boon-to-mankind-the-stagflation-of-the-1970s-was-a-great-boon-to-mankind-the-2008-economic-cris/</loc><lastmod>2021-07-25T18:52:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/16/valuation-informed-indexing-562-its-not-possible-for-one-asset-class-to-always-be-the-best-asset-class/</loc><lastmod>2021-07-27T16:10:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/17/buy-and-hold-goon-to-rob-here-you-are-over-the-age-of-60-living-in-the-land-of-make-believe-with-the-silly-stories-on-death-threat-etc-meanwhile-you-are-run-through-savings-and-have-destroyed/</loc><lastmod>2021-07-28T09:12:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/20/i-should-want-the-sentences-to-be-hard-hitting-but-if-they-do-their-job-of-persuading-millions-of-middle-class-investors-of-the-merit-of-following-a-research-based-investment-strategy-they-are-al/</loc><lastmod>2021-07-29T19:45:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/21/what-matters-here-is-getting-every-discussion-board-and-blog-on-the-internet-opened-to-honest-posting-re-the-past-40-years-of-peer-reviewed-research-in-this-field-without-a-single-exception-i-do-t/</loc><lastmod>2021-08-01T07:23:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/22/buy-and-hold-goon-to-rob-you-have-burned-every-bridge/</loc><lastmod>2021-08-01T07:34:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/23/valuation-informed-indexing-562-an-important-purpose-of-investment-research-is-to-reveal-unpopular-truths/</loc><lastmod>2021-08-04T16:07:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/24/if-valuation-informed-indexing-did-not-have-huge-perceived-value-discussion-of-it-would-not-be-banned-at-a-single-site-you-do-not-ban-things-that-are-not-a-threat/</loc><lastmod>2021-08-10T10:30:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/27/valuation-informed-indexing-563-how-much-better-would-life-be-if-todays-cape-value-was-17/</loc><lastmod>2021-08-10T10:43:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/28/valuation-informed-indexing-564-we-are-all-responsible-for-the-popularity-of-buy-and-hold/</loc><lastmod>2021-08-17T16:49:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/29/i-dont-believe-that-there-can-ever-be-a-last-word-theres-always-going-to-be-new-research-so-people-are-always-going-to-be-learning-new-things-if-everyone-converted-to-valuation-informed-index/</loc><lastmod>2021-08-19T07:34:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/09/30/i-believe-that-all-humans-have-goonishness-within-them-we-all-also-possess-the-ability-to-employ-reason-to-enrich-our-lives-shillers-amazing-advance-points-us-to-the-way-to-make-stock-investing/</loc><lastmod>2021-08-20T10:20:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/01/pros-and-cons-have-to-be-weighed-in-any-purchase-decision-and-thats-how-we-do-it-for-all-the-things-that-we-buy-other-than-stocks/</loc><lastmod>2021-08-21T07:23:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/04/if-you-adjust-that-6-5-million-number-for-the-effect-of-irrational-exuberance-it-would-be-about-3-million-you-would-be-a-lot-better-off-with-3-million-living-in-a-nation-that-is-not-going-throu/</loc><lastmod>2021-08-21T12:06:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/05/if-shiller-is-right-and-you-fail-to-take-irrational-exuberance-into-consideration-you-cannot-get-anything-about-stock-investing-right-its-a-logical-impossibility/</loc><lastmod>2021-08-21T12:16:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/06/if-you-were-confident-that-the-irrational-exuberance-money-was-real-you-wouldnt-get-so-angry-when-i-bring-up-shillers-nobel-prize-winning-research-if-you-were-confident-you-would-be-calm-and/</loc><lastmod>2021-08-23T08:56:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/07/it-is-a-big-nothing-and-you-havent-helped-one-single-person-all-you-have-done-is-waste-very-valuable-time-that-you-can-never-get-back/</loc><lastmod>2021-08-23T19:00:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/08/about-10-percent-of-the-population-of-investors-has-evidenced-a-great-appreciation-for-correct-answers-but-the-other-90-percent-either-tolerates-incorrect-answers-or-endorses-them-enthusiastically/</loc><lastmod>2021-08-25T14:52:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/11/buy-and-hold-goon-to-rob-i-will-mark-you-down-as-someone-that-wont-listen/</loc><lastmod>2021-08-25T15:18:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/12/valuation-informed-indexing-566-each-days-stock-market-action-reaffirms-a-belief-in-buy-and-hold/</loc><lastmod>2021-09-01T16:45:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/13/buy-and-hold-goon-to-rob-the-data-set-used-only-had-a-small-number-of-periods-that-started-with-very-high-stock-valuations-and-even-those-valuations-did-not-reach-the-level-we-saw-in-2000-so-it-is/</loc><lastmod>2021-09-01T17:38:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/14/the-entire-history-of-the-stock-market-is-one-big-success-story-for-market-timing/</loc><lastmod>2021-09-03T14:59:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/15/your-retirement-is-not-fully-funded-if-more-than-half-of-the-money-in-your-account-consists-of-irrational-exuberance/</loc><lastmod>2021-09-04T13:38:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/18/i-write-a-weekly-column-on-valuation-informed-indexing-at-the-value-walk-site-in-10-years-thats-over-500-columns-i-have-learned-at-lot-over-the-past-10-years/</loc><lastmod>2021-09-04T18:40:16-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/19/valuation-informed-indexing-567-shillers-research-doesnt-permit-us-to-predict-the-future-it-permits-us-to-see-the-present-more-clearly/</loc><lastmod>2021-09-07T13:41:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/20/buy-and-hold-goon-to-rob-i-think-everyone-agrees-with-you-greaney-has-certainly-never-claimed-that-his-retirement-study-contains-a-valuation-adjustment/</loc><lastmod>2021-09-09T15:47:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/21/buy-and-hold-goon-nothing-needed-correcting-as-wade-pfau-pointed-out-rob-wade-pointed-out-after-being-threatened-by-you-goons-that-greaney-had-advanced-a-comment-on-the-first-day-of-the-di/</loc><lastmod>2021-09-09T20:16:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/22/every-expert-both-agrees-with-me-and-disagrees-with-me-at-the-same-time-we-have-universal-acknowledgment-that-the-greaney-retirement-study-is-in-error-and-only-one-person-me-regularly-and-consis/</loc><lastmod>2021-09-13T13:39:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/25/do-you-think-it-would-have-been-better-if-i-had-just-kept-quiet-about-the-error-in-the-greaney-retirement-study/</loc><lastmod>2021-09-13T13:50:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/26/valuation-informed-indexing-568-why-the-reluctance-to-use-cape-to-manage-risk/</loc><lastmod>2021-09-16T10:40:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/27/valuation-informed-indexing-569-nothing-but-flexibility-in-stock-allocations-can-stabilize-the-economy/</loc><lastmod>2021-09-21T16:43:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/28/buy-and-hold-goon-to-rob-no-one-believes-that-greaneys-study-contains-valuation-adjustments-the-other-similar-studies-trinity-etc-also-do-not-contain-valuation-adjustments-again-no-one-bel/</loc><lastmod>2021-09-22T17:03:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/10/29/buy-and-hold-goon-to-rob-the-rate-you-are-looking-for-i-believe-is-what-rate-is-going-to-survive-in-the-future-those-are-two-different-things/</loc><lastmod>2021-09-22T17:10:56-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/01/knowing-the-safe-withdrawal-rate-is-of-huge-value-in-january-2000-the-safe-withdrawal-rate-for-an-80-percent-stock-portfolio-was-1-6-percent-the-safe-withdrawal-rate-for-a-100-percent-tips-portfo/</loc><lastmod>2021-09-22T17:19:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/02/i-wouldnt-feel-comfortable-counting-on-money-that-is-only-irrational-exuberance-when-doing-my-retirement-planning-to-me-thats-like-counting-on-a-feeling-that-you-have-when-you-are-drunk-that-y/</loc><lastmod>2021-09-22T17:28:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/03/the-only-ones-who-have-ever-offered-any-criticism-of-me-are-you-goons-i-have-had-normals-who-have-said-that-they-do-not-agree-with-everything-that-i-have-said-about-stock-investing-but-who-have-als/</loc><lastmod>2021-09-23T05:33:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/04/the-story-of-what-has-happened-over-the-past-19-years-is-an-amazing-one-but-the-reality-is-that-it-is-not-the-first-amazing-thing-that-has-ever-happened-in-the-history-of-the-united-states-i-find/</loc><lastmod>2021-09-23T17:12:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/05/people-who-bring-exciting-new-ideas-to-the-world-have-been-encountering-hate-from-people-who-are-making-a-good-living-on-the-old-ideas-ever-since-the-world-began-if-buy-and-hold-causes-us-to-get/</loc><lastmod>2021-09-24T14:53:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/08/valuation-informed-indexing-570-buy-and-hold-strategies-create-a-bad-feedback-loop/</loc><lastmod>2021-09-28T19:40:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/09/what-i-like-about-the-idea-of-having-u-s-law-apply-in-the-investing-advice-field-is-that-it-provides-us-all-a-way-of-getting-our-mistakes-corrected-over-time/</loc><lastmod>2021-10-02T14:17:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/10/i-am-not-just-finding-fault-with-greaney-and-the-members-of-his-goon-squad-i-am-finding-fault-with-every-member-of-our-society-every-human-on-the-face-of-planet-earth-really-thats-hard-i-am-s/</loc><lastmod>2021-10-02T14:35:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/11/warren-buffett-what-we-fear-is-an-irrational-bull-market-thats-sustained-for-some-period-of-time/</loc><lastmod>2021-10-05T05:40:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/12/greaney-hasnt-corrected-the-error-in-the-retirement-study-posted-at-his-web-site-to-this-day-what-does-that-tell-us-about-buy-and-hold/</loc><lastmod>2021-10-05T05:48:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/15/lots-of-people-who-say-they-are-against-market-timing-engage-in-it-themselves-because-they-are-too-intelligent-not-to-see-the-benefits-if-you-would-ease-up-on-the-abusive-stuff-they-would-be-willi/</loc><lastmod>2021-10-05T05:56:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/16/valuation-informed-indexing-571-stock-investors-overstate-their-gains-in-the-heat-of-bull-markets/</loc><lastmod>2021-10-05T08:05:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/17/valuation-informed-indexing-572-in-the-future-all-investors-will-practice-market-timing/</loc><lastmod>2021-10-12T12:08:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/18/valuation-informed-indexing-573-more-of-the-money-we-earn-is-used-to-buy-stocks-than-anything-else/</loc><lastmod>2021-10-19T16:11:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/19/buy-and-hold-goon-to-rob-i-never-called-for-greaney-to-correct-his-retirement-study-a-study-that-calculates-the-withdrawal-rates-that-survived-different-historical-time-periods-does-not-require-a/</loc><lastmod>2021-10-19T16:32:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/22/buy-and-hold-goon-to-rob-greaney-himself-never-claimed-his-study-had-a-valuation-adjustment-so-i-guess-hes-on-your-side-too-time-to-declare-victory/</loc><lastmod>2021-10-19T16:38:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/23/we-agree-that-greaney-calculated-properly-the-rate-that-survived-all-existing-30-year-historical-time-periods/</loc><lastmod>2021-10-19T16:44:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/24/he-consults-one-friend-who-is-a-believer-in-the-buy-and-hold-approach-to-car-driving-this-friend-says-oh-you-must-continue-driving-60-miles-per-hour-on-the-ice-we-have-no-way-of-knowing-precis/</loc><lastmod>2021-10-19T16:58:03-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/25/what-i-say-that-the-buy-and-holders-do-not-say-is-that-the-risk-of-a-price-crash-is-far-higher-when-the-cape-is-38-than-it-is-when-the-cape-is-17-and-that-investors-should-take-that-reality-into-con/</loc><lastmod>2021-10-19T17:05:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/26/buy-and-hold-goon-to-rob-everyone-knows-what-greaney-is-referring-to-the-number-is-what-worked-in-the-past-it-is-not-a-guarantee-of-future-success-if-you-want-a-different-number-to-be-calculated/</loc><lastmod>2021-10-20T14:28:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/29/buy-and-hold-goon-to-rob-the-adjustment-is-not-needed-it-is-like-pointing-out-that-my-car-does-not-have-a-microwave-oven-installed-in-the-dash/</loc><lastmod>2021-10-22T15:46:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/11/30/valuation-informed-indexing-574-how-long-does-it-take-for-investors-to-correct-a-mispricing-of-stocks/</loc><lastmod>2021-10-26T14:42:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/01/shillers-work-achieves-nothing-if-people-do-not-feel-free-to-talk-about-it-at-every-site-on-the-internet-it-is-by-engaging-in-discussion-of-it-that-we-gain-the-ability-to-overcome-the-get-rich-qu/</loc><lastmod>2021-10-31T18:01:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/02/rob-we-all-have-goonishness-within-us-buy-and-hold-goon-response-then-why-call-someone-a-goon-it-is-like-starting-out-a-post-referring-to-people-as-breathing-human-beings/</loc><lastmod>2021-10-31T20:53:52-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/03/we-need-to-make-a-distinction-between-those-of-us-who-just-have-a-human-weakness-that-makes-buy-and-hold-strategies-appealing-and-those-of-us-who-have-made-it-our-number-one-mission-in-life-to-stop/</loc><lastmod>2021-10-31T21:44:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/06/valuation-informed-indexing-575-all-stock-gains-are-rooted-in-learning-experiences/</loc><lastmod>2021-11-02T14:36:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/07/where-you-go-seriously-off-track-is-in-blocking-millions-of-others-who-would-like-to-hear-both-sides-of-the-story-and-then-make-their-own-decisions-re-what-they-are-comfortable-doing/</loc><lastmod>2021-11-09T10:32:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/08/valuation-informed-indexing-576-six-logical-jumps-to-a-belief-in-market-timing/</loc><lastmod>2021-11-10T17:04:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/09/buy-and-hold-goon-to-rob-if-criminal-acts-occurred-they-would-be-prosecuted-if-you-had-a-valid-claim-to-the-500-million-you-would-have-a-line-of-legal-firms-all-competing-to-represent-you-if-y/</loc><lastmod>2021-11-10T17:22:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/10/my-real-two-points-are-1-irrational-exuberance-is-real-and-2-many-people-dont-want-to-acknowledge-that-irrational-exuberance-is-real-at-a-time-when-stocks-are-insanely-overpriced-because-doi/</loc><lastmod>2021-11-10T17:32:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/13/stocks-are-today-priced-for-a-60-percent-loss-of-value-a-buffett-investor-someone-who-picks-individual-stocks-intelligently-will-not-be-hurt-to-the-same-extent-as-a-bogle-investor-a-buffett-inve/</loc><lastmod>2021-11-13T15:10:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/14/the-retiree-can-change-the-safe-withdrawal-rate-that-applies-for-him-by-being-willing-to-reduce-spending-if-his-preferred-rate-does-not-produce-good-results-for-a-number-of-years-or-by-being-willing/</loc><lastmod>2021-11-13T16:20:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/15/there-is-a-price-to-be-paid-for-telling-the-truth-about-stock-investing-during-an-insane-bull-market/</loc><lastmod>2021-11-13T16:31:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/16/if-irrational-exuberance-exists-not-all-stock-gains-are-real-if-irrational-exuberance-exists-people-need-to-adjust-for-the-effect-of-irrational-exuberance-when-determining-the-value-of-their-hold/</loc><lastmod>2021-11-19T18:22:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/17/valuation-informed-indexing-577-buy-and-hold-is-a-bad-idea-because-markets-must-be-flexible-to-function/</loc><lastmod>2021-11-16T17:02:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/20/the-numbers-show-that-the-investor-does-well-if-he-leaves-his-money-in-for-20-years-todays-cape-value-is-40-at-the-end-of-a-bullbear-cycle-we-usually-see-the-cape-value-fall-to-8-thats-a-l/</loc><lastmod>2021-11-19T18:35:16-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/21/the-buy-and-holders-do-not-account-for-irrational-exuberance-that-means-that-every-calculation-they-have-ever-done-has-been-in-error-you-cant-leave-out-an-important-factor-and-get-any-calculatio/</loc><lastmod>2021-11-19T18:49:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/22/valuation-informed-indexing-578-the-best-way-to-discourage-short-term-timing-is-to-encourage-long-term-timing/</loc><lastmod>2021-11-23T13:52:58-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/23/there-have-been-thousands-of-community-members-who-have-expressed-a-desire-to-engage-in-discussions-aimed-at-identifying-the-best-number/</loc><lastmod>2021-11-25T10:28:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/24/are-a-lot-of-us-afraid-of-you-obviously/</loc><lastmod>2021-11-25T10:35:02-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/27/do-you-think-it-would-have-been-better-if-i-hadnt-pointed-out-the-error-in-the-study/</loc><lastmod>2021-11-25T10:40:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/28/buy-and-hold-goon-to-rob-what-other-criminal-activities-have-occurred-and-where-is-the-proof-robs-response-the-proof-is-that-the-error-in-the-greaney-retirement-study-has-not-been-corrected/</loc><lastmod>2021-11-25T10:51:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/29/if-theres-a-thing-called-irrational-exuberance-the-safe-withdrawal-rate-cannot-possibly-be-the-same-number-at-all-times-it-has-to-be-a-smaller-number-at-times-when-there-is-a-lot-of-irrational-e/</loc><lastmod>2021-11-29T17:04:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/30/shiller-was-kind-enough-to-tell-us-all-how-stock-investing-works-in-the-real-world-he-will-be-happy-to-spell-it-out-for-us-and-say-the-words-the-safe-withdrawal-rate-is-not-the-same-number-at-all/</loc><lastmod>2021-11-29T17:15:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2021/12/31/valuation-informed-indexing-579-is-it-good-public-policy-to-prop-up-the-stock-market/</loc><lastmod>2021-11-30T20:07:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/03/buy-and-hold-goon-to-rob-my-posts-have-always-been-based-on-truth-you-have-made-many-false-and-hurtful-allegations-against-very-good-people-you-have-given-out-harmful-financial-advice-despite-ha/</loc><lastmod>2021-12-01T07:29:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/04/buy-and-hold-goon-to-rob-if-you-wish-to-see-an-estimate-of-future-rates-that-survive-then-you-need-to-produce-that-calculation-yourself-or-find-others-to-produce-that-calculation-for-you/</loc><lastmod>2021-12-02T06:52:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/05/valuation-informed-indexing-580-stock-investors-dont-want-to-know-the-true-safe-withdrawal-rate/</loc><lastmod>2021-12-07T13:51:54-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/06/if-everything-is-decided-by-majority-vote-then-the-buy-and-holders-can-block-people-from-learning-about-the-new-research-indefinitely/</loc><lastmod>2021-12-07T14:09:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/07/the-thing-that-swung-things-in-the-other-direction-is-that-motley-fool-made-money-as-a-result-of-greaneys-false-safe-withdrawal-rate-claims-this-is-the-danger-with-all-get-rich-quick-approaches/</loc><lastmod>2021-12-07T14:21:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/10/valuation-informed-indexing-581-benjamin-graham-was-skeptical-of-one-aspect-of-valuation-informed-indedxing/</loc><lastmod>2021-12-15T16:39:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/11/valuation-informed-indexing-582-the-efficient-market-concept-is-wrong-but-not-absurd/</loc><lastmod>2021-12-21T18:26:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/12/valuation-informed-indexing-583-even-people-who-believe-in-shillers-research-arent-getting-the-full-benefit-of-it/</loc><lastmod>2021-12-30T17:29:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/13/my-definition-of-safe-is-the-dictionary-definition-of-the-word/</loc><lastmod>2021-12-30T17:38:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/14/my-new-target-date-for-completion-of-the-investing-for-humans-book-is-june-2022/</loc><lastmod>2021-12-30T17:49:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/17/valuation-informed-indexing-584-investors-should-cultivate-negative-views-toward-stocks/</loc><lastmod>2022-01-04T14:08:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/18/it-wouldnt-break-the-greaney-study-for-him-to-add-a-few-paragraphs-at-the-end-of-it-noting-that-in-no-way-shape-or-form-can-a-4-percent-withdrawal-be-considered-the-safe-withdrawal-rate-that/</loc><lastmod>2022-01-07T10:58:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/19/you-need-to-look-at-what-survived-in-the-past-in-similar-conditions-that-is-at-similar-valuation-levels/</loc><lastmod>2022-01-07T13:43:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/20/when-it-wasnt-death-threats-it-was-something-else-acts-of-extortion-word-games-demands-for-unjustified-board-bannings-whatever-it-took/</loc><lastmod>2022-01-08T09:47:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/21/valuation-informed-indexing-585-if-irrational-exuberance-is-real-then-its-appeal-will-diminish-when-stock-prices-drop/</loc><lastmod>2022-01-11T16:45:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/24/its-one-thing-for-everyone-to-know-something-its-something-else-for-everyone-to-be-able-to-talk-about-that-something-so-that-they-can-process-the-knowledge-and-put-it-to-good-use-in-the-real-wo/</loc><lastmod>2022-01-11T17:39:26-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/25/there-was-a-huge-response-to-my-post-it-was-like-a-nuclear-explosion-outside-of-you-goons-the-most-common-thought-expressed-was-thanks-rob-for-starting-the-most-exciting-discussion-in-the-hi/</loc><lastmod>2022-01-11T17:51:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/26/valuation-informed-indexing-586-can-buy-and-hold-and-valuation-informed-indexing-co-exist/</loc><lastmod>2022-01-18T12:55:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/27/buy-and-hold-goon-to-rob-bengen-and-trinity-use-the-exact-same-methodology-as-greaney/</loc><lastmod>2022-01-18T13:42:45-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/28/market-timing-is-the-brakes-on-the-car-it-is-market-timing-that-keeps-irrational-exuberance-the-enemy-of-all-stock-investors-in-check/</loc><lastmod>2022-01-18T13:59:12-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/01/31/the-purpose-of-long-term-timing-is-to-keep-ones-risk-profile-constant-over-time-that-aim-is-achieved-on-the-day-that-the-stock-allocation-change-is-made/</loc><lastmod>2022-01-18T15:56:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/01/this-stuff-is-hard-not-intellectually-its-hard-emotionally-saying-things-that-millions-of-people-very-very-very-much-do-not-want-to-hear/</loc><lastmod>2022-01-18T16:35:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/02/this-is-not-a-situation-where-someone-is-going-to-craft-a-perfect-three-sentence-statement-and-that-is-going-to-be-the-end-of-it-the-effect-of-valuations-on-long-term-returns-affects-every-strategi/</loc><lastmod>2022-01-18T16:47:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/03/john-greaney-on-may-23-2002-im-not-aware-of-anyone-who-has-been-successful-in-timing-when-stock-prices-are-high-or-low-over-the-long-term-if-you-possess-this-unique-ability-that-others/</loc><lastmod>2022-01-18T16:57:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/04/the-policeman-asked-me-if-i-thought-that-one-of-you-goons-was-really-going-to-kill-one-of-my-loved-ones-or-if-it-was-just-talk-i-said-that-it-was-my-personal-belief-that-the-motive-was-to-silence-m/</loc><lastmod>2022-01-18T17:09:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/07/buy-and-hold-goon-to-rob-even-if-you-just-restricted-your-search-to-the-very-small-subset-of-occasions-when-valuations-were-at-their-highest-you-would-find-the-same-thing-4-survived-on-every-occasi/</loc><lastmod>2022-01-19T14:52:01-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/08/we-do-not-yet-have-a-case-where-going-with-a-4-percent-withdrawal-at-a-time-of-super-high-valuations-brought-on-a-failed-retirement-but-we-have-a-case-where-it-caused-the-retirement-account-to-be-r/</loc><lastmod>2022-01-19T15:04:42-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/09/these-studies-are-exercises-in-semantic-trickery/</loc><lastmod>2022-01-20T07:18:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/11/buy-and-hold-goon-to-rob-is-it-irrational-to-base-your-retirement-plan-on-the-hope-of-getting-a-500-million-windfall/</loc><lastmod>2022-01-21T16:52:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/10/the-purpose-of-research-is-to-help-us-to-see-through-irrationality-none-of-us-is-perfectly-able-to-do-so-individually-some-of-us-are-irrational-in-our-exuberance-some-of-us-are-irrational-in-our/</loc><lastmod>2022-01-21T17:03:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/14/it-is-ironic-that-in-the-years-since-shiller-showed-the-horrors-that-follow-from-us-permitting-irrational-exuberance-to-get-out-of-control-and-gave-us-the-tools-we-need-to-contain-it-we-have-seen/</loc><lastmod>2022-01-24T14:00:43-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/15/the-intellectual-side-of-this-is-20-percent-of-the-job-the-hard-part-is-the-emotional-side-when-you-tell-people-that-gains-that-result-from-irrational-exuberance-are-not-real-and-lasting-and-shoul/</loc><lastmod>2022-01-24T14:14:07-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/16/if-it-hadnt-been-for-the-criminal-behavior-of-those-who-were-posting-in-defense-of-mel-lindauer-bogle-would-have-expanded-on-those-comments-and-we-all-would-have-enjoyed-an-amazing-learning-e/</loc><lastmod>2022-01-24T17:48:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/17/valuation-informed-indexing-587-shiller-research-is-a-money-maker-for-the-investment-advice-field/</loc><lastmod>2022-01-25T11:24:41-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/18/valuation-informed-indexing-588-the-case-for-buy-and-hold/</loc><lastmod>2022-02-01T08:19:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/21/greaney-isnt-the-only-one-who-pushed-the-4-percent-rule-there-were-thousands-and-thousands-of-newspaper-articles-on-retirement-that-cited-it-millions-of-retirement-plans-were-crafted-pursuant-to/</loc><lastmod>2022-02-02T20:51:35-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/22/it-is-not-anything-close-to-the-entire-world-that-has-insisted-that-discussion-of-shillers-nobel-prize-winning-research-findings-be-prohibited-at-every-site-on-the-internet-it-is-just-you-goons/</loc><lastmod>2022-02-02T21:10:17-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/23/we-have-as-a-society-been-for-40-years-now-working-up-the-courage-to-begin-reaping-the-benefits-of-that-revolutionary-advance-in-a-practical-real-world-sense-we-are-not-quite-there-yet-but-we-are/</loc><lastmod>2022-02-02T21:20:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/24/discussions-of-gun-safety-have-no-place-in-discussions-of-whether-or-not-it-is-necessary-to-take-valuations-into-consideration-when-calculating-the-safe-withdrawal-rate/</loc><lastmod>2022-02-04T18:18:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/25/the-battle-is-between-reason-and-emotion-research-based-strategies-can-be-defended-without-the-use-of-gun-safety-discussions-buy-and-hold-cannot/</loc><lastmod>2022-02-04T18:26:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/28/i-think-it-would-be-fair-to-say-that-market-timing-is-70-percent-of-what-it-takes-to-achieve-long-term-investing-success-if-thats-the-case-then-70-percent-of-the-advice-in-this-field-should-be-a/</loc><lastmod>2022-02-05T13:22:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/01/youre-able-to-imagine-some-circumstance-in-which-it-could-be-a-bad-thing-to-keep-ones-risk-profile-constant-i-am-not/</loc><lastmod>2022-02-06T17:01:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/02/human-rationality-is-a-plus-it-helps-us-make-our-way-through-life-we-should-give-ourselves-permission-to-make-use-of-human-rationality-in-the-investment-advice-field/</loc><lastmod>2022-02-08T17:27:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/03/i-want-investors-to-know-that-there-are-times-when-a-4-percent-withdrawal-is-super-super-super-safe-when-even-a-9-percent-withdrawal-is-perfectly-safe-and-i-want-them-to-know-that-there-are-othe/</loc><lastmod>2022-02-08T17:35:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/04/valuation-informed-indexing-589-interest-rates-would-stabilize-if-shillers-research-were-discussed-more-openly/</loc><lastmod>2022-02-10T18:53:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/02/04/humankind-did-not-come-to-this-planet-with-an-instruction-manual-explaining-how-everything-works-shiller-only-published-his-nobel-prize-winning-research-in-1981-how-the-heck-are-we-supposed-to-hav/</loc><lastmod>2022-02-09T10:04:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/07/greaney-isnt-the-only-one-who-got-retirement-planning-wrong-every-buy-and-holder-got-it-wrong-greaneys-mistake-was-that-he-didnt-appreciate-the-importance-of-market-timing-he-treated-every/</loc><lastmod>2022-02-09T10:25:23-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/08/take-a-look-at-all-of-the-stock-portfolios-that-existed-in-1929-they-all-fell-by-a-huge-amount-the-collective-losses-were-large-enough-to-bring-on-a-great-depression-that-should-never-happen-on/</loc><lastmod>2022-02-09T14:30:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/09/the-idea-that-market-timing-is-not-100-percent-required-for-every-investor-is-the-biggest-mistake-ever-made-in-the-history-of-personal-finance/</loc><lastmod>2022-02-11T05:02:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/10/buy-and-hold-goon-to-rob-over-the-last-20-years-approximately-how-many-internet-sites-have-you-opened-to-honest-posting-about-the-last-40-years-of-peer-reviewed-research-in-this-field/</loc><lastmod>2022-02-11T05:12:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/11/common-sense-tells-us-that-market-timing-price-discipline-must-work-price-discipline-is-essential-in-every-other-market-that-has-ever-existed-we-now-have-40-years-of-peer-reviewed-research-conf/</loc><lastmod>2022-02-11T05:24:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/14/people-want-to-see-that-it-is-possible-to-make-money-with-a-site-permitting-honest-posting-having-just-one-site-that-permits-honest-posting-and-that-makes-money-will-be-the-turning-point/</loc><lastmod>2022-02-11T06:08:03-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/15/buy-and-hold-goon-to-rob-what-is-your-definition-of-honest-posting-2/</loc><lastmod>2022-02-11T13:34:28-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/16/if-my-famous-post-from-the-morning-of-may-13-2002-had-been-about-microwave-ovens-we-wouldnt-have-seen-scores-of-our-fellow-community-members-saying-that-i-had-launched-the-most-exciting-discuss/</loc><lastmod>2022-02-12T10:22:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/17/buy-and-hold-goon-to-rob-are-you-aware-of-anyone-who-thinks-that-greaneys-study-contains-a-valuation-adjustment-could-you-name-them-and-provide-a-link-to-where-they-express-this-opinion/</loc><lastmod>2022-02-12T10:28:20-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/18/buy-ans-hold-goon-to-rob-the-greaney-retirement-study-doesnt-need-a-correction-thats-the-point-thus-your-entire-argument-fails-before-it-even-starts/</loc><lastmod>2022-02-12T10:36:06-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/21/buy-and-hold-goon-i-believe-in-outcomes/</loc><lastmod>2022-02-12T10:44:31-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/22/buy-and-hold-goon-to-rob-i-would-say-that-your-interpretation-of-shiller-is-wrong/</loc><lastmod>2022-02-12T11:07:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/23/we-would-all-benefit-from-hearing-shiller-address-every-point-that-i-have-made-over-the-past-20-years/</loc><lastmod>2022-02-13T05:58:19-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/24/shiller-doesnt-agree-with-you-pfau-doesnt-agree-with-you-bernstein-doesnt-agree-with-you-kitces-doesnt-agree-with-you-your-bank-account-doesnt-agree/</loc><lastmod>2022-02-13T06:05:44-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/25/i-dont-think-it-is-possible-to-keep-you-out-of-prison-today-maybe-it-is-there-has-never-before-been-a-situation-like-this-so-no-one-can-say-for-certain-but-my-personal-take-is-that-it-is-no-lo/</loc><lastmod>2022-02-13T06:22:22-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/28/the-only-threat-is-to-the-buy-and-hold-model-for-understanding-how-stock-investing-works/</loc><lastmod>2022-02-13T06:28:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/29/lots-of-people-have-doubts-re-the-buy-and-hold-dogmas-today/</loc><lastmod>2022-02-14T12:19:10-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/30/larry-swedroe-thats-one-of-the-problems-with-market-timing-you-have-to-be-right-twice-not-once/</loc><lastmod>2022-02-14T16:43:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/03/31/valuation-informed-indexing-590-its-human-emotions-that-swing-wildly-not-the-economy-or-the-value-of-the-stock-market/</loc><lastmod>2022-02-15T11:33:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/01/in-the-event-that-shillers-nobel-prize-winning-research-is-legitimate-research-i-believe-it-is-every-buy-and-hold-portfolio-that-was-ever-constructed-was-a-failure/</loc><lastmod>2022-02-16T09:33:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/04/my-advice-is-that-investors-always-engage-in-the-amount-of-market-timing-needed-to-keep-their-risk-profile-constant-over-time-i-would-never-tell-an-investor-that-because-he-got-away-with-a-high-ris/</loc><lastmod>2022-02-16T09:46:16-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/05/heres-a-challenge-invite-shiller-to-appear-at-the-bogleheads-forum-assure-him-that-there-will-be-no-funny-business-permit-me-to-ask-questions-i-put-the-odds-at-95-percent-that-shiller-will-say/</loc><lastmod>2022-02-21T16:54:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/06/valuation-informed-indexing-591-the-size-of-an-investors-stock-portfolio-tells-him-how-well-he-has-done-with-his-life/</loc><lastmod>2022-02-22T10:35:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/07/if-irrational-exuberance-is-a-real-thing-i-believe-it-is-we-all-should-be-doing-everything-we-can-to-combat-it-how-would-you-propose-combating-it-without-engaging-in-market-timing-there-is-no-o/</loc><lastmod>2022-02-23T10:20:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/08/every-word-that-i-have-ever-said-about-stock-investing-is-rooted-in-shillers-nobel-prize-winning-research-finding-that-valuations-affect-long-term-returns-if-that-is-so-there-is-zero-chance-that/</loc><lastmod>2022-02-24T08:59:40-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/11/it-is-like-pointing-out-that-your-neighbor-doesnt-have-a-hot-dog-stand-in-his-front-yard/</loc><lastmod>2022-02-25T06:34:11-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/12/if-my-post-pointing-out-the-error-in-the-greaney-retirement-study-wasnt-famous-why-do-you-still-come-here-every-day-to-discuss-it-20-years-later/</loc><lastmod>2022-02-25T15:46:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/13/valuation-informed-indexing-592-all-discussions-of-stock-investing-should-acknowledge-that-there-are-two-schools-of-academic-thought-re-the-basics/</loc><lastmod>2022-03-01T17:52:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/14/the-next-buy-and-hold-crisis-will-bring-on-an-ocean-of-human-misery/</loc><lastmod>2022-03-08T18:42:08-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/15/valuation-informed-indexing-593-ten-characteristics-of-irrational-exuberance/</loc><lastmod>2022-03-08T15:07:13-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/18/theres-value-in-avoiding-another-buy-and-hold-crisis-if-theres-no-value-in-getting-the-mistake-that-the-buy-and-holders-made-in-the-1960s-corrected-then-why-do-we-send-people-to-schools-to-get/</loc><lastmod>2022-03-08T19:05:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/19/do-you-think-it-would-have-been-better-if-i-had-kept-it-zipped-about-the-error-in-the-study/</loc><lastmod>2022-03-08T19:14:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/20/it-is-in-the-nature-of-the-stock-market-to-make-us-dishonest-there-is-no-man-in-the-sky-with-a-long-gray-beard-who-sets-stock-prices-all-stock-investors-collectively-possess-that-power-we-can-set/</loc><lastmod>2022-03-08T19:33:25-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/21/if-you-put-buy-and-hold-above-the-peer-reviewed-research-then-the-peer-reviewed-research-is-nonsense-if-you-put-the-peer-reviewed-research-above-buy-and-hold-then-buy-and-hold-is-nonsense/</loc><lastmod>2022-03-08T19:40:51-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/22/it-was-my-love-for-my-fellow-community-members-that-drove-me-to-it/</loc><lastmod>2022-03-08T19:46:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/25/buy-and-hold-goon-to-rob-what-friends-no-one-talks-to-you/</loc><lastmod>2022-03-08T19:51:21-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/26/i-cannot-say-for-certain-that-stocks-are-going-to-continue-to-perform-in-the-future-somewhat-as-they-always-have-in-the-past-maybe-they-will-maybe-they-will-not-but-i-sure-dont-think-it-would/</loc><lastmod>2022-03-09T07:20:00-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/27/if-bogle-could-get-market-timing-wrong-as-i-believe-is-the-case-then-surely-rob-bennett-could-get-marker-timing-wrong/</loc><lastmod>2022-03-10T10:19:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/28/for-greaney-to-tell-people-that-he-has-a-study-that-reveals-the-safe-withdrawal-rate-and-then-not-include-a-valuation-adjustment-in-it-is-like-the-guy-at-the-hot-dog-stand-taking-your-three-dollars/</loc><lastmod>2022-03-12T10:10:52-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/04/29/todays-cape-is-35-thats-an-obvious-threat-to-the-smooth-functioning-of-our-economic-system-but-how-many-of-the-experts-in-this-field-are-actively-involved-today-in-getting-that-cape-value-down/</loc><lastmod>2022-03-12T10:25:37-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/02/had-greaney-corrected-his-study-on-the-afternoon-of-may-13-2002-we-would-have-put-the-get-rich-quickbuy-and-hold-stuff-behind-us-a-long-time-ago/</loc><lastmod>2022-03-12T10:56:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/03/no-the-market-is-not-efficient-no-investors-are-not-100-percent-rational-no-stock-investment-risk-is-not-stable-but-is-variable-and-yes-market-timing-is-always-100-percent-required-for-every/</loc><lastmod>2022-03-12T11:14:38-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/04/buy-and-hold-goon-to-rob-if-only-there-was-someone-who-could-put-together-a-convincing-argument-that-a-valuation-adjustment-is-required/</loc><lastmod>2022-03-12T11:20:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/05/valuation-informed-indexing-594-before-his-death-john-bogle-relaxed-his-opposition-to-market-timing/</loc><lastmod>2022-03-15T15:25:45-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/06/valuation-informed-indexing-595-the-most-important-choice-that-a-stock-investor-makes/</loc><lastmod>2022-03-22T16:43:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/09/investors-are-not-exposed-to-the-information-they-need-to-make-informed-stock-buying-decisions-so-the-market-has-become-dysfunctional-a-market-is-an-information-transmitting-system-when-death-thr/</loc><lastmod>2022-03-26T19:02:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/10/cuz-all-us-moooorons-are-jez-too-stoopid-right/</loc><lastmod>2022-03-26T19:03:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/11/buy-and-hold-goon-to-rob-you-cant-risk-adjust-past-results/</loc><lastmod>2022-03-26T19:03:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/12/yes-i-have-some-concerns-about-my-failure-to-provide-financially-for-my-family-for-many-years-i-do-not-say-that-thats-not-a-concern-i-have-spoken-to-more-than-one-priest-re-that-matter-i-have/</loc><lastmod>2022-03-26T19:04:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/13/this-is-bigger-than-watergate-what-do-you-think-most-people-care-more-about-who-is-president-or-whether-their-retirement-goes-bust-or-not/</loc><lastmod>2022-03-26T19:04:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/16/it-takes-time-to-let-in-that-you-are-doing-work-that-is-going-to-change-the-world-in-a-very-positive-way-i-didnt-think-on-the-morning-of-may-13-2002-that-valuation-informed-indexing-was-going-t/</loc><lastmod>2022-03-26T19:49:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/17/valuation-informed-indexing-596-stock-prices-drift-upward-unless-most-investors-practice-market-timing/</loc><lastmod>2022-03-29T21:05:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/18/valuation-informed-indexing-597-the-absurdity-of-buy-and-hold/</loc><lastmod>2022-04-06T20:32:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/19/buy-and-hold-goon-to-rob-if-buy-and-hold-doesnt-work-then-investing-doesnt-work-there-is-no-way-a-market-timing-scheme-can-improve-returns-for-all-investors/</loc><lastmod>2022-04-06T21:00:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/20/buy-and-hold-goon-to-rob-there-is-no-such-thing-as-the-true-value-of-a-stock/</loc><lastmod>2022-04-06T21:13:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/23/few-want-to-hear-the-truth-about-stock-investing-at-a-time-when-the-cape-value-is-37-surprise-surprise/</loc><lastmod>2022-04-06T21:36:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/24/you-cant-use-the-price-that-someone-is-willing-to-pay-as-a-signal-of-real-value-if-that-person-lacks-the-information-he-needs-to-form-a-reasonable-assessment/</loc><lastmod>2022-04-06T21:46:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/25/we-all-have-a-get-rich-quickbuy-and-hold-urge-residing-within-us-if-we-are-going-to-overcome-that-urge-we-need-to-be-reminded-regularly-how-important-it-is-to-overcome-it/</loc><lastmod>2022-04-06T21:53:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/26/if-shiller-appears-at-bogleheads-and-says-that-he-does-not-believe-that-it-is-possible-to-calculate-the-safe-withdrawal-rate-accurately-without-taking-valuations-into-consideration-will-he-be-banne/</loc><lastmod>2022-04-06T22:01:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/27/buy-and-hold-goon-to-rob-there-are-thousands-of-mentions-of-shiller-at-bogleheads/</loc><lastmod>2022-04-06T22:08:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/30/the-majority-of-alcoholics-prefer-to-remain-alcoholics-you-know-i-dont-think-it-follows-that-we-should-not-provide-services-helping-people-to-overcome-alcoholism/</loc><lastmod>2022-04-06T22:15:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/31/the-easiest-way-to-find-out-if-there-has-been-some-funny-business-going-on-is-to-check-how-long-it-took-greaney-to-correct-the-error-in-his-retirement-study-after-it-was-pointed-out-to-him/</loc><lastmod>2022-04-06T22:22:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/01/investors-are-better-off-knowing-the-true-size-of-their-stock-portfolio-i-am-not-able-to-imagine-how-there-could-ever-be-a-single-exception-to-that-general-rule/</loc><lastmod>2022-04-06T22:29:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/02/do-you-believe-that-irrational-exuberance-is-a-real-thing/</loc><lastmod>2022-04-07T07:32:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/03/the-reason-why-i-like-peer-reviewed-research-so-much-is-that-it-takes-you-out-of-the-current-moment-and-permits-you-to-see-how-things-play-out-over-the-long-term/</loc><lastmod>2022-04-08T06:59:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/06/buy-and-hold-goon-to-rob-you-are-the-one-making-all-the-claims-the-obligation-of-proof-sits-with-you/</loc><lastmod>2022-04-09T06:02:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/07/its-a-logical-impossibility-that-prices-would-not-in-time-recover-from-any-fall-and-go-on-to-new-highs-i-do-not-believe-that-it-follows-even-a-tiny-bit-that-it-is-a-good-idea-for-us-to-lie-to-peo/</loc><lastmod>2022-04-09T16:12:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/08/valuation-informed-indexing-598-valuation-informed-investing-strategies-are-an-exercise-in-time-travel/</loc><lastmod>2022-04-12T17:00:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/09/valuation-informed-indexing-599-what-is-the-meaning-of-the-word-overvaluation/</loc><lastmod>2022-04-19T18:15:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/10/buy-and-hold-goon-to-rob-here-are-ten-characteristics-of-someone-that-is-suffering-from-delusions/</loc><lastmod>2022-04-20T19:51:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/13/you-acknowledged-a-few-months-ago-19-years-late-that-the-greaney-study-lacks-a-valuation-adjustment-evidence-i-have-never-heard-greaney-himself-say-that-have-you/</loc><lastmod>2022-04-20T19:57:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/14/buy-and-hold-goon-to-rob-are-you-the-dictator-of-the-investing-world/</loc><lastmod>2022-04-20T20:05:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/15/i-will-not-be-pushing-for-prison-sentences-for-you-goons-i-intend-to-take-it-the-other-way-i-am-going-to-make-the-case-for-why-we-should-show-mercy-to-you-goons-for-example-i-am-going-to-point-o/</loc><lastmod>2022-04-20T20:19:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/16/the-statute-of-limitations-doesnt-begin-running-until-every-site-has-been-opened-to-honest-posting-re-the-peer-reviewed-research-because-the-fraud-remains-an-ongoing-matter-until-that-happens/</loc><lastmod>2022-04-21T05:51:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/17/the-trouble-with-using-research-as-a-guide-is-that-research-findings-change-over-time/</loc><lastmod>2022-04-23T16:16:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/20/when-the-cape-value-is-35-there-is-very-little-reason-being-permitted-in-the-investment-advice-field-true-experts-are-banned-or-terminated-at-such-times-if-they-were-permitted-to-speak-the-bull/</loc><lastmod>2022-04-23T16:31:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/21/its-not-just-safe-withdrawal-rates-thats-not-the-only-thing-that-the-buy-and-holders-got-wrong-their-idea-that-the-market-is-automatically-efficient-that-we-dont-need-to-work-to-achieve/</loc><lastmod>2022-04-23T16:43:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/22/there-is-an-article-this-week-where-bill-bengen-says-the-current-safe-withdrawal-rate-is-about-3-3-and-that-he-personally-has-scaled-back-to-20-stocks-10-bonds-and-70-cash-due-to-extreme-valuatio/</loc><lastmod>2022-04-23T16:56:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/23/theres-no-news-in-knowing-that-4-percent-is-not-always-safe-those-who-have-been-paying-attention-have-known-that-for-many-years-for-two-decades-really-but-why-did-smart-people-make-that-mistake/</loc><lastmod>2022-04-23T17:17:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/24/buy-and-hold-goon-to-rob-when-the-creator-of-the-4-rule-says-4-is-no-longer-safe-in-the-friggin-wall-street-journal-its-huge-news-many-times-more-people-saw-that-article-than-bernsteins-obsc/</loc><lastmod>2022-04-23T17:28:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/27/its-not-hard-to-calculate-these-numbers-accurately-if-this-were-any-other-field-of-human-endeavor-we-could-get-all-the-errors-corrected-in-15-minutes-the-problem-is-that-in-the-field-of/</loc><lastmod>2022-04-23T17:48:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/28/its-not-really-greaney-that-is-the-problem-the-problem-is-that-many-normals-tolerate-greaneys-behavior-so-behavior-norms-that-apply-in-every-other-field-of-life-endeavor-do-not-apply-in-the-in/</loc><lastmod>2022-04-23T17:59:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/29/buy-and-hold-goon-to-rob-we-just-established-that-greaney-is-irrelevant-so-his-20-year-old-study-is-even-more-irrelevant-this-insane-merry-go-round-has-been-spinning-for-20-years-and-gotten-you-n/</loc><lastmod>2022-04-24T07:11:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/06/30/do-you-think-it-would-have-been-better-if-i-had-just-kept-it-zipped-re-the-error-in-the-study/</loc><lastmod>2022-04-24T09:25:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/01/the-problem-here-is-that-natural-process-of-fixing-mistakes-after-they-are-revealed-has-not-applied-in-the-investment-advice-realm-there-is-a-lot-of-money-that-flows-from-being-recognized-as-an-exp/</loc><lastmod>2022-04-25T18:11:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/04/i-am-banned-for-one-reason-and-one-reason-only-i-am-the-person-who-pointed-out-the-error-in-the-retirement-study-posted-at-john-greaneys-web-site/</loc><lastmod>2022-04-25T18:16:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/05/valuation-informed-indexing-600-the-investment-issues-that-we-cannot-talk-about-are-the-investment-issues-that-we-most-need-to-talk-about/</loc><lastmod>2022-04-27T10:40:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/06/buy-and-hold-goon-to-rob-there-is-also-value-in-recognizing-that-you-are-not-going-to-be-able-to-calculate-a-future-safe-withdrawal-rate-accurately/</loc><lastmod>2022-04-27T11:35:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/07/i-can-point-you-to-cases-where-it-came-very-very-close-to-failing-and-if-you-look-at-the-return-sequences-that-turned-up-in-those-cases-you-will-see-that-they-were-on-the-lucky-side-if-you-obta/</loc><lastmod>2022-04-27T11:42:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/08/buy-and-hold-goon-to-rob-if-you-look-at-any-of-the-major-financial-boards-this-is-just-common-practice-you-dont-see-other-people-making-wild-claims-of-goons-prison-and-500-million-wind/</loc><lastmod>2022-05-02T18:01:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/11/valuation-informed-indexing-601-logic-produces-gradual-change-emotion-produces-rapid-change/</loc><lastmod>2022-05-03T10:46:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/12/everyone-alive-will-offer-better-investment-advice-once-we-have-opened-every-discussion-board-and-blog-to-honest-posting-re-the-last-41-years-of-peer-reviewed-research-in-this-field-my-contribution/</loc><lastmod>2022-05-05T19:47:31-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/13/goons-goons-goons-greaney-greaney-greaney-honest-posting-honest-posting-honest-posting-repeat-for-an/</loc><lastmod>2022-05-05T19:52:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/14/bogle-endorsed-bernsteins-book-bernstein-said-in-his-book-that-the-4-percent-rule-was-off-by-a-full-two-percentage-points-at-the-top-of-the-bubble-there-were-millions-of-retirees-who-took-that-r/</loc><lastmod>2022-05-06T16:38:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/15/we-should-all-have-wanted-to-know-what-a-giant-like-bogle-truly-believed-about-market-timing-but-of-course-to-find-out-we-would-have-had-to-have-opened-every-site-on-the-internet-to-honest-posting/</loc><lastmod>2022-05-08T17:28:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/05/18/market-efficiency-is-achieved-through-market-timing-there-is-no-other-way-that-it-could-be-achieved/</loc><lastmod>2022-05-08T17:36:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/18/i-think-that-its-the-last-41-years-of-peer-reviewed-research-in-this-field-that-has-all-the-answers/</loc><lastmod>2022-05-10T12:51:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/19/downdt-sell-yerself-shooort-rob-only-you-figgured-out-dadt-there-is-only-1-studdy-that-makes-up-the-last-41-yeers-of-reesearch-and-only-you-figgured-our-what-sheeler-really-meant-but-not-what-he/</loc><lastmod>2022-05-10T18:44:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/20/valuation-informed-indexing-602-the-first-step-to-getting-better-at-stock-investing-is-wanting-to-get-better/</loc><lastmod>2022-05-11T21:42:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/21/people-need-to-know-how-much-money-they-have-in-their-retirement-account-if-they-are-to-plan-their-financial-future-effectively-and-the-numbers-they-get-are-entirely-different-if-they-take-irration/</loc><lastmod>2022-05-14T16:13:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/22/valuation-informed-indexing-603-is-stock-investing-gambling/</loc><lastmod>2022-05-18T18:52:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/25/there-never-was-any-rational-case-for-the-4-percent-rule-or-for-buy-and-hold-in-general-the-value-proposition-of-stocks-changes-with-changes-in-the-price-that-is-paid-for-them-just-as-the-value-of/</loc><lastmod>2022-05-18T20:04:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/26/the-greaney-retirement-study-is-perfect-in-every-way/</loc><lastmod>2022-05-19T13:21:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/27/if-irrational-exuberance-is-a-thing-it-is-obviously-a-bad-thing-so-we-all-should-be-doing-all-that-we-can-to-combat-it-the-only-way-to-combat-it-is-with-market-timing-lowering-ones-stock-alloc/</loc><lastmod>2022-05-19T13:37:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/28/the-side-pushing-the-death-threats-the-buy-and-holders-are-also-the-side-pushing-the-pure-get-rich-quick-no-market-timing-approach-to-stock-investing/</loc><lastmod>2022-05-24T17:56:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/07/29/valuation-informed-indexing-604-the-efficient-market-theory-is-an-ivory-tower-concoction/</loc><lastmod>2022-05-24T18:51:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/01/i-am-a-buy-and-holder-in-every-respect-but-one-i-incorporate-into-the-buy-and-hold-strategy-shillers-nobel-prize-winning-finding-that-valuations-affect-long-term-returns/</loc><lastmod>2022-05-27T12:56:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/02/buy-and-holdget-rich-quick-is-what-sells-its-a-fantastic-marketing-gimmick-to-persuade-people-that-irrational-exuberance-gains-are-real-and-lasting/</loc><lastmod>2022-05-27T12:57:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/03/thats-the-question-on-the-table-should-investors-take-the-cape-value-into-consideration-or-not-if-you-ignore-the-cape-value-and-just-stick-with-the-same-stock-allocation-at-all-times-you-are/</loc><lastmod>2022-05-27T12:55:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/04/the-last-26-years-has-been-the-worst-time-to-invest-in-stocks-in-the-history-of-the-united-states-never-before-has-the-cape-value-risen-so-high-and-then-remained-at-insanely-high-levels-for-so-exte/</loc><lastmod>2022-05-30T16:31:36-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/05/i-would-like-to-see-us-all-working-together-every-day-to-bring-the-cape-level-down-to-a-reasonable-level-and-to-keep-it-there/</loc><lastmod>2022-05-30T16:39:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/08/valuation-informed-indexing-605-todays-cape-value-is-a-national-scandal/</loc><lastmod>2022-06-03T08:58:51-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/09/valuation-informed-indexing-606-its-not-just-getting-the-safe-withdrawal-rate-studies-corrected-we-need-to-come-to-terms-with-why-it-took-so-long-to-do-so/</loc><lastmod>2022-06-07T15:05:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/10/if-thats-what-it-takes-to-defend-buy-and-hold-i-want-no-part-of-it/</loc><lastmod>2022-06-07T15:59:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/11/in-ordinary-circumstances-stocks-could-never-have-gotten-so-overpriced-that-they-offered-a-negative-long-term-return-but-the-buy-and-holders-pulled-that-off-with-their-relentless-injunction-to-avo/</loc><lastmod>2022-06-07T16:19:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/12/the-delay-is-because-of-the-social-isolation-it-is-an-extremely-painful-experience-no-one-else-has-written-this-book-why-do-you-think-that-is-shillers-nobel-prize-winning-research-has-been-pub/</loc><lastmod>2022-06-07T16:43:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/15/you-had-your-chance-you-ignore-others-dont-answer-questions-you-refuse-to-provide-evidence-behind-your-criminal-accusations-etc-in-short-you-misbehave-that-is-why-you-are-banned/</loc><lastmod>2022-06-07T17:00:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/16/the-entire-history-does-indeed-show-that-a-4-percent-withdrawal-has-always-worked-that-same-history-shows-that-there-were-some-valuation-levels-at-which-a-4-percent-withdrawal-was-super-safe-and-ot/</loc><lastmod>2022-06-07T17:15:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/17/take-away-the-thing-about-market-timing-not-always-being-required-for-every-investor-and-im-a-buy-and-holder-all-the-rest-checks-out-but-that-thing-about-market-timing-not-being-required-is-the/</loc><lastmod>2022-06-07T17:31:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/18/if-buy-and-hold-were-a-real-thing-you-would-never-see-any-intimidation-tactics-if-buy-and-hold-were-a-real-thing-the-buy-and-holders-would-welcome-questions-about-the-methodologies-used-in-their/</loc><lastmod>2022-06-07T17:42:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/19/why-hasnt-the-study-been-corrected-thats-the-question-that-any-reasonable-person-would-be-asking/</loc><lastmod>2022-06-13T07:11:21-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/22/theres-no-point-in-putting-things-for-sale-in-a-store-if-there-are-people-standing-at-the-front-door-threatening-to-murder-anyone-who-dares-to-enter-and-ask-questions-about-the-goods-that-they-are/</loc><lastmod>2022-06-13T07:39:43-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/23/market-timing-is-price-discipline-nothing-more-and-nothing-less-if-you-are-not-timing-the-market-you-are-not-exercising-price-discipline-when-you-buy-stocks-how-could-that-possibly-be-a-good-thi/</loc><lastmod>2022-06-13T07:46:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/24/valuation-informed-indexing-607-during-a-price-crash-it-helps-to-know-how-far-prices-will-fall/</loc><lastmod>2022-06-16T21:16:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/25/people-like-you-are-banned-constantly-at-websites-and-that-has-been-upheld-by-the-courts-it-is-time-for-you-to-say-the-words-i-was-wrong-and-then-apologize-for-your-bad-behavior-after-that/</loc><lastmod>2022-06-17T11:33:07-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/26/it-was-surely-never-going-to-happen-for-so-long-as-no-one-worked-up-the-courage-to-stand-up-to-you-goons-i-put-the-wheels-in-motion-with-my-famous-post-from-the-morning-of-may-13-2002-it/</loc><lastmod>2022-06-17T12:20:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/29/valuation-informed-indexing-608-market-timing-is-a-mindset-so-if-failing-to-practice-it/</loc><lastmod>2022-06-21T18:17:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/30/valuation-informed-indexing-609-buy-and-holders-should-be-critical-of-shillers-research-findings/</loc><lastmod>2022-07-01T16:38:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/08/31/valuation-informed-indexing-610-should-it-be-called-dishonest-exuberance/</loc><lastmod>2022-07-05T21:38:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/01/valuation-informed-indexing-611-even-prior-to-shiller-there-was-no-research-showing-that-market-timing-doesnt-work/</loc><lastmod>2022-07-12T18:28:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/02/greaney-failed-to-include-a-valuation-adjustment-in-his-study-and-i-made-the-error-of-pointing-this-out/</loc><lastmod>2022-07-12T21:25:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/05/research-based-investment-strategies-are-not-super-hot-at-a-time-when-the-cape-value-is-28-who-would-have-thunk-it/</loc><lastmod>2022-07-16T16:06:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/06/if-buy-and-hold-were-a-real-thing-those-who-advocate-for-it-would-welcome-questioning-of-their-strategy/</loc><lastmod>2022-07-16T16:15:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/07/you-must-be-right-because-you-have-thousands-of-fans-posting-here-everyday-in-support-a-massive-8-figure-investment-account-hundreds-of-attorneys-fighting-over-the-right-to-take-on-your-lawsuits-a/</loc><lastmod>2022-07-16T16:24:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/08/you-need-to-watch-moneyball-things-change-people-learn-new-things-those-who-have-the-most-invested-in-the-old-understanding-are-the-least-open-to-the-new-understanding/</loc><lastmod>2022-07-16T16:31:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/09/everyone-loves-to-enjoy-the-benefits-of-progress-but-no-one-wants-to-be-the-one-to-tell-the-ones-who-made-it-rich-pushing-the-old-idea-that-a-new-and-much-better-idea-has-come-along/</loc><lastmod>2022-07-16T16:39:05-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/12/there-has-never-been-a-single-study-showing-that-market-timing-doesnt-work-academics-put-that-forward-as-an-hypothesis-the-efficient-market-theory-but-no-one-ever-tested-the-hypothesis-to/</loc><lastmod>2022-07-18T20:08:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/13/valuation-informed-indexing-612-investors-have-not-thought-through-what-no-market-timing-really-means/</loc><lastmod>2022-07-20T19:10:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/14/we-all-have-a-little-bit-of-moron-in-us-or-else-todays-cape-value-would-not-be-29-shiller-is-trying-to-help-us-become-more-aware-of-what-makes-stock-investing-risky-price-indifferent-investment/</loc><lastmod>2022-07-22T16:03:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/15/is-it-my-failure-if-many-buy-and-holders-did-not-call-for-the-greaney-retirement-study-to-be-corrected-even-though-it-is-obvious-to-anyone-who-checks-that-it-lacks-a-valuation-adjustment/</loc><lastmod>2022-07-22T16:15:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/16/this-is-the-most-important-public-policy-issue-in-the-united-states-today/</loc><lastmod>2022-07-25T17:19:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/19/we-cant-have-a-functioning-nation-and-tell-people-that-they-need-to-provide-for-their-own-retirement-and-then-not-permit-them-any-access-to-honest-discussion-of-the-peer-reviewed-research/</loc><lastmod>2022-07-25T17:24:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/20/our-economic-system-is-at-risk-even-our-political-system-is-at-risk-our-way-of-life-cannot-continue-unless-we-find-some-way-to-make-people-aware-of-what-shillers-nobel-prize-winning-research-tea/</loc><lastmod>2022-07-25T17:33:20-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/21/people-who-give-investment-advice-need-to-be-recognized-as-experts-and-it-is-a-bit-problemmatic-to-tell-people-that-you-are-an-expert-while-also-telling-them-that-there-is-another-point-of-view-on-a/</loc><lastmod>2022-07-25T17:45:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/22/an-easy-way-to-test-that-theory-is-to-stop-terrorizing-board-communities-permit-every-discussion-board-and-blog-on-the-internet-to-allow-honest-posting-and-see-what-happens/</loc><lastmod>2022-07-25T17:50:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/23/valuation-informed-indexing-613-stock-prices-are-more-predictable-in-the-long-term-because-rationality-comes-to-play-a-bigger-role/</loc><lastmod>2022-07-26T20:12:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/26/buy-and-hold-goon-to-rob-a-gun-safety-post-is-not-a-death-threat/</loc><lastmod>2022-07-28T04:47:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/27/valuation-informed-indexing-614-market-timing-needs-to-become-a-habit-like-brushing-ones-teeth-or-eating-balanced-meals/</loc><lastmod>2022-08-05T15:43:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/28/rob-is-a-fantastic-buy-and-hold-investor-he-has-kept-his-0-stock-allocation-consistent-since-the-mid-90s-never-adjusting-it-no-matter-what-the-stock-market-does/</loc><lastmod>2022-08-05T16:04:54-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/29/what-will-your-jury-say-when-they-see-the-large-stack-of-posts-that-you-deleted-i-saved-them-all-what-will-your-jury-say-when-they-see-your-false-claims-of-criminal-acts-what-will-your-jury-sa/</loc><lastmod>2022-08-05T16:13:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/09/30/as-a-society-we-have-not-yet-reached-the-point-where-we-are-able-to-be-kind-enough-to-ourselves-to-rein-in-our-get-rich-quickbuy-and-hold-urge/</loc><lastmod>2022-08-05T16:28:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/03/if-there-hadnt-already-been-a-21-year-cover-up-of-shillers-nobel-prize-winning-research-on-the-morning-of-may-13-2002-there-wouldnt-have-been-a-peep-of-objection-when-i-suggested-that-the-bo/</loc><lastmod>2022-08-05T16:49:09-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/04/to-work-together-we-all-need-to-have-enough-respect-for-each-other-to-post-our-honest-views-if-someone-sincerely-believes-that-buy-and-hold-is-a-good-strategy-he-should-say-that-if-someone-since/</loc><lastmod>2022-08-05T19:15:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/05/valuation-informed-indexing-615-buy-and-forget-is-not-the-same-as-buy-and-hold/</loc><lastmod>2022-08-09T17:12:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/06/i-have-pondered-these-issues-every-day-of-my-life-for-the-past-20-years-i-respect-the-buy-and-holders-i-think-they-are-intelligent-and-hard-working-and-seeking-to-do-good-but-i-sincerely-believe/</loc><lastmod>2022-08-09T18:01:15-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/07/fortunately-we-now-know-what-it-takes-to-stop-bull-markets-in-their-tracks-market-timing-thats-the-secret/</loc><lastmod>2022-08-09T18:10:42-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/10/the-shift-from-buy-and-hold-to-valuation-informed-indexing-is-by-far-the-greatest-advance-in-the-history-of-personal-finance-thats-why-it-has-been-hard-to-pull-off-changes-like-that-do-not-hap/</loc><lastmod>2022-08-10T08:39:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/11/buy-and-hold-goon-to-rob-when-you-go-to-the-grocery-store-to-buy-food-tell-them-about-your-interpretation-of-market-timing-and-see-if-that-pays-the-bill/</loc><lastmod>2022-08-10T10:44:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/12/buy-and-hold-goon-to-rob-where-is-the-threat-it-is-a-post-about-personal-protection-and-fire-arm-safety-it-doesnt-mention-you-and-there-is-no-death-threat-here-is-the-full-post/</loc><lastmod>2022-08-15T16:24:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/13/we-only-have-150-years-of-return-data-thats-unfortunate-but-thats-the-reality-it-is-true-that-as-more-data-becomes-available-the-numbers-are-going-to-change-a-bit-1-6-percent-will-not-always/</loc><lastmod>2022-08-15T16:36:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/14/the-buy-and-holders-dont-make-forecasts-thats-the-most-serious-way-in-which-an-investment-adviser-can-get-it-wrong-to-fail-to-make-forecasts-is-to-be-indifferent-to-price-changes-and-to-be-in/</loc><lastmod>2022-08-15T16:46:24-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/17/each-and-every-one-of-us-will-know-on-some-level-of-consciousness-that-we-contribited-to-the-ocean-of-human-misery-that-inevitably-follows-from-a-time-period-when-the-buy-and-hold-strategy-becom/</loc><lastmod>2022-08-15T17:04:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/18/valuation-informed-indexing-616-investors-never-possess-full-confidence-in-irrational-exuberance/</loc><lastmod>2022-08-16T18:03:35-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/19/a-4-percent-withdrawal-rate-has-always-worked-thats-an-objective-fact-at-some-cape-levels-a-4-percent-withdrawal-rate-is-super-super-super-safe-at-others-it-is-high-risk/</loc><lastmod>2022-08-18T19:43:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/20/we-have-smart-people-following-a-strategy-that-has-been-discredited-by-41-years-of-peer-reviewed-research-huh-what-the-f-it-is-my-job-to-figure-out-that-puzzle/</loc><lastmod>2022-08-18T20:00:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/21/the-thing-that-we-should-be-talking-about-is-the-amazing-how-to-implications-of-shillers-nobel-prize-winning-research-findings-we-should-be-talking-about-that-on-every-internet-site-every-day/</loc><lastmod>2022-08-20T08:59:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/24/people-in-the-investment-community-are-having-conversations-with-themselves-every-day-we-have-seen-over-and-over-again-that-the-experts-in-the-field-would-love-to-be-able-to-do-honest-research-bas/</loc><lastmod>2022-08-20T18:35:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/25/valuation-informed-indexing-417-buy-and-hold-adds-nothing-it-only-subtracts/</loc><lastmod>2022-08-30T19:34:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/26/buy-and-hold-goon-to-rob-it-has-been-20-years-and-you-are-now-65-years-old-its-too-late-money-is-not-going-to-drop-out-of-the-sky-you-need-money-now/</loc><lastmod>2022-08-26T16:40:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/27/the-research-doesnt-by-its-mere-existence-make-us-all-better-investors-we-need-to-talk-these-things-over-amongst-ourselves-to-enjoy-the-learning-experience-that-to-our-good-fortune-is-now-availab/</loc><lastmod>2022-08-28T18:02:29-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/28/buy-and-hold-goon-to-rob-you-are-sick-you-need-to-get-help/</loc><lastmod>2022-08-29T09:42:46-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/10/31/as-amazing-as-it-is-shillers-research-by-itself-accomplshes-nothing-we-have-seen-higher-cape-values-in-the-days-since-publication-of-his-research-than-we-saw-in-the-days-before-its-publication/</loc><lastmod>2022-08-29T17:50:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/01/buy-and-hold-goon-to-rob-your-opinion-on-what-one-guy-said-does-not-constitute-41-years-of-peer-reviewed-research/</loc><lastmod>2022-08-30T17:15:47-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/02/valuation-informed-indexing-618-the-day-on-which-shiller-suggested-that-market-timing-might-not-always-work/</loc><lastmod>2022-08-30T19:33:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/03/a-totally-made-up-number-but-like-everything-you-just-pull-things-out-of-the-air-with-no-facts-to-back-it-up/</loc><lastmod>2022-09-06T20:12:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/04/valuation-informed-indexing-619-without-market-timing-there-is-no-way-to-battle-irrational-exuberance/</loc><lastmod>2022-09-06T18:37:14-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/07/buy-and-hold-goon-to-rob-a-totally-made-up-number-but-like-everything-you-just-pull-things-out-of-the-air-with-no-facts-to-back-it-up/</loc><lastmod>2022-09-06T20:20:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/08/do-you-think-that-shiller-believes-that-irrational-exuberance-is-a-thing-do-you-have-any-thoughts-as-to-how-he-would-propose-that-we-rein-it-in-when-it-threatens-to-get-out-of-control/</loc><lastmod>2022-09-06T20:44:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/09/valuation-informed-indexing-620-investors-dont-like-thinking-about-how-emotional-they-are/</loc><lastmod>2022-09-13T19:46:37-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/10/valuation-informed-indexing-621-the-purpose-of-market-timing-is-to-avoid-irrational-exuberance-not-to-outsmart-the-market-for-profit/</loc><lastmod>2022-09-20T18:39:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/11/the-book-is-not-an-intellectually-difficult-project-it-is-an-extremely-difficult-emotional-project-thats-why-no-one-else-has-written-this-book-in-the-41-years-since-shiller-published-his-amazing/</loc><lastmod>2022-09-20T21:08:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/14/valuation-informed-indexing-622-economists-dont-pay-attention-to-the-loss-of-consumer-buying-power-that-results-when-irrational-exuberance-disappears/</loc><lastmod>2022-09-27T18:16:10-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/15/even-in-these-goon-approved-words-wade-says-that-warning-people-about-the-4-rule-is-helpful-if-there-is-something-to-warn-people-about-thats-huge-before-i-put-up-my-famous-post-from-the-m/</loc><lastmod>2022-09-27T19:39:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/16/somehow-i-dont-believe-that-its-not-even-just-you-goons-how-about-all-of-the-normals-who-tolerate-the-behavior-of-you-goons-thats-the-bigger-issue/</loc><lastmod>2022-09-27T21:17:41-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/17/expertise-will-not-mean-what-it-means-in-other-fields-in-this-field-until-we-open-every-internet-site-to-honest-posting-re-the-last-41-years-of-peer-reviewed-research-if-the-buy-and-holders-cannot/</loc><lastmod>2022-09-27T21:27:22-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/18/the-buy-and-holders-got-there-first-thats-the-only-thing-that-the-idea-that-market-timing-doesnt-always-work-has-going-for-it/</loc><lastmod>2022-09-27T21:53:11-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/21/didnt-jesus-say-that-a-man-must-lose-his-life-in-order-to-gain-it-maybe-i-took-that-one-a-little-too-literally/</loc><lastmod>2022-09-27T22:09:12-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/22/wasnt-there-something-in-the-sermon-on-the-mount-about-how-those-who-report-the-safe-withdrawal-rate-inaccurately-will-surely-perish/</loc><lastmod>2022-09-27T22:16:01-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/23/buy-and-hold-goon-to-rob-you-dont-listen/</loc><lastmod>2022-09-27T22:24:27-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/24/i-blame-human-nature-we-all-have-a-get-rich-quickbuy-and-hold-urge-residing-within-us-the-primary-job-of-investment-advice-is-to-help-us-overcome-that-something-for-nothing-urge/</loc><lastmod>2022-09-28T11:13:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/25/there-is-today-zero-intellectual-support-for-buy-and-hold-what-keeps-buy-and-hold-going-is-the-mountain-of-institutional-support-that-buy-and-hold-enjoys/</loc><lastmod>2022-09-28T11:22:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/25/the-story-of-my-divorce-offers-the-explanation-until-every-site-is-opened-to-honest-posting-there-will-be-a-heavy-price-to-be-paid-for-telling-the-truth-about-stock-investing-that-scares-people/</loc><lastmod>2022-09-28T18:51:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/28/buy-and-hold-goon-to-rob-i-am-guessing-your-own-wife-agrees-more-with-me-versus-you/</loc><lastmod>2022-09-28T19:11:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/29/the-season-isnt-over-until-the-cape-value-returns-to-fair-value-levels-and-below-and-then-remains-at-those-low-levels-for-some-time/</loc><lastmod>2022-09-29T17:51:28-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/11/30/70-percent-of-stock-investing-success-is-knowing-when-you-need-to-engage-in-market-timing-and-how-much-you-should-change-your-stock-allocation-when-changes-become-necessary-given-that-thats-70-pe/</loc><lastmod>2022-09-29T17:58:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/01/is-it-emotional-humans-or-is-it-hocomania/</loc><lastmod>2022-09-29T18:30:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/02/if-you-were-confident-that-the-buy-and-hold-strategy-could-prevail-in-civil-and-reasoned-discussions-you-would-welcome-such-discussions-your-behavior-tells-me-that-you-have-serious-doubts/</loc><lastmod>2022-09-30T09:54:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/05/buy-and-hold-goon-to-rob-you-have-lost-all-sense-of-reality-robs-response-todays-cape-value-shows-us-that-stock-investors-have-lost-all-sense-of-reality/</loc><lastmod>2022-09-30T10:05:55-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/06/i-told-my-ex-wife-the-story-she-stiffened-she-did-not-like-hearing-about-the-goon-attacks-people-do-not-like-that-stuff-it-is-poison-we-will-have-to-decide-as-a-nation-of-people-what-to-do-abou/</loc><lastmod>2022-09-30T10:28:30-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/07/valuation-informed-indexing-623-understanding-swings-in-psychology-is-the-key-to-understanding-stock-investing/</loc><lastmod>2022-10-12T15:51:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/08/valuation-informed-indexing-624-will-there-come-a-time-when-short-term-timing-will-work/</loc><lastmod>2022-10-17T19:47:48-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/09/valuation-informed-indexing-625-what-cape-value-justifies-alarm/</loc><lastmod>2022-10-18T14:36:33-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/12/buy-and-hold-goon-to-rob-you-arent-even-part-of-society/</loc><lastmod>2022-10-18T14:58:08-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/13/the-trinity-study-the-study-on-which-greaneys-study-is-based-showed-the-error-in-lynchs-thinking-that-was-a-very-very-big-advance-my-suggestion-that-valuations-be-taken-into-consideration-w/</loc><lastmod>2022-10-18T15:08:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/14/if-the-market-were-efficient-market-timing-would-serve-no-purpose/</loc><lastmod>2022-10-18T15:23:25-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/15/buy-and-hold-goon-to-rob-if-you-dont-know-technical-information-do-you-know-what-the-investing-research-really-says/</loc><lastmod>2022-10-19T12:05:02-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/16/none-of-us-knows-today-as-much-about-stock-investing-as-we-would-have-known-had-we-opened-every-site-to-honest-posting-re-the-past-41-years-of-peer-reviewed-research-on-the-afternoon-of-may-13-2002/</loc><lastmod>2022-10-19T12:44:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/19/are-they-all-open-to-a-discussion-of-how-to-combat-irrational-exuberance/</loc><lastmod>2022-10-20T07:24:32-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/20/buy-and-hold-goon-to-rob-i-think-your-ex-wife-and-priest-would-disagree-with-that-statement/</loc><lastmod>2022-10-20T20:19:40-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/21/valuation-informed-indexing-626-grantham-is-a-lot-more-alarmed-about-todays-stock-prices-than-shiller/</loc><lastmod>2022-10-26T19:45:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/22/i-had-posted-with-a-good-number-of-people-at-the-motley-fool-board-for-three-years-and-had-gotten-to-know-them-and-to-care-about-what-happened-to-them/</loc><lastmod>2022-10-27T17:17:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/23/once-the-research-is-published-it-becomes-part-of-the-world-that-we-all-live-in-and-anyone-who-cares-to-discuss-it-may-do-so-each-investor-gets-to-make-his-own-decision-as-to-what-strategy-he-will/</loc><lastmod>2022-10-27T18:00:58-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/26/buy-and-hold-goon-to-rob-i-already-have-more-than-enough-so-my-only-problem-is-figuring-out-what-to-do-with-substantially-more-money/</loc><lastmod>2022-10-27T18:07:23-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/27/its-about-500-times-better-than-betraying-my-friends-and-then-not-knowing-how-i-am-going-to-be-able-to-sleep-at-night-i-had-posted-with-a-good-number-of-people-at-the-motley-fool-board-for-three/</loc><lastmod>2022-10-31T17:48:06-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/28/scott-burns-would-change-some-of-what-he-says-if-every-site-were-opened-to-honest-posting-and-the-buy-and-hold-intimidation-stuff-became-a-thing-of-the-past-thats-true-of-every-single-person-who/</loc><lastmod>2022-10-31T17:56:19-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/29/i-am-going-to-continue-to-say-that-we-should-all-be-grateful-that-we-have-brains-that-make-us-capable-of-rational-thought-and-that-we-should-employ-that-gift-in-the-investing-advice-realm-in-the-sam/</loc><lastmod>2022-10-31T18:11:49-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2022/12/30/we-are-not-a-completely-corrupt-people-i-continue-to-believe-that-we-are-going-to-find-a-way-to-get-accurate-honest-research-based-investment-advice-out-to-the-millions-of-middle-class-investors/</loc><lastmod>2022-10-31T18:21:17-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/02/we-know-intellectually-today-how-stock-investing-works-thanks-to-shiller-but-that-intellectual-knowledge-will-do-us-no-good-until-we-secure-the-ability-to-talk-about-it-on-every-discussion-board-a/</loc><lastmod>2022-10-31T22:11:44-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/03/buy-and-hold-goon-to-rob-who-gets-to-decide-what-the-research-really-says/</loc><lastmod>2022-10-31T22:17:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/04/it-is-only-buy-and-holders-who-we-have-seen-engage-in-abusive-behavior-why-is-that/</loc><lastmod>2022-11-01T17:07:39-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/05/buy-and-hold-goon-to-rob-it-has-been-explained-to-you-thousands-of-times-why-you-are-wrong-about-greaney-you-choose-to-ignore-it-that-seems-to-be-a-pattern-with-you/</loc><lastmod>2022-11-01T17:17:04-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/06/every-day-that-the-ban-on-honest-posting-continues-more-lives-are-destroyed/</loc><lastmod>2022-11-01T17:22:13-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/09/valuation-informed-indexing-627-investors-dont-need-to-change-their-stock-allocation-every-year-but-they-need-to-consider-the-possibility-every-year/</loc><lastmod>2022-11-01T17:30:57-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/10/buy-and-hold-was-developed-at-a-time-when-we-did-not-have-shillers-nobel-prize-winning-research-available-to-us-if-shillers-research-had-always-been-available-the-idea-that-market-timing/</loc><lastmod>2022-11-02T17:35:26-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/11/buy-and-hold-goon-to-rob-timing-has-never-worked-for-you-or-anyone-else/</loc><lastmod>2022-11-02T17:44:38-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/12/buy-and-hold-goon-to-rob-wade-pfau-has-never-recommended-market-timing-to-anyone-read-his-books-and-website/</loc><lastmod>2022-11-02T17:50:18-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/13/buy-and-hold-goon-to-rob-wade-pfau-would-retract-the-bennettpfau-research-is-anyone-ever-asked-him-about-it-in-fact-hed-be-mortified-because-its-conclusion-was-disasterously-wrong/</loc><lastmod>2022-11-02T18:00:34-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/16/there-were-many-people-at-the-retire-early-board-who-would-have-used-withdrawal-rates-of-higher-than-4-percent-had-greaney-not-posted-his-study-he-helped-move-peoples-thinking-in-the-right-direct/</loc><lastmod>2022-11-02T18:09:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/17/take-away-market-timing-from-the-stock-investing-project-and-you-are-eventually-going-to-see-a-price-crasheconomic-crisis-its-inevitable-once-you-make-the-market-dysfunctionalprice-indifferent/</loc><lastmod>2022-11-02T18:16:53-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/18/if-buy-and-hold-were-a-real-thing-buy-and-holders-could-be-friends-with-valuation-informed-indexers/</loc><lastmod>2022-11-04T20:31:00-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/19/the-amount-of-resistance-to-a-new-idea-is-a-signifier-of-the-power-of-that-idea-in-this-case-the-resistance-has-been-greater-than-anything-that-i-have-ever-witnessed-to-come-up-with-a-comparable/</loc><lastmod>2022-11-04T20:54:59-04:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/20/valuation-informed-indexing-628-the-standard-buy-and-hold-allocation-advice-is-more-dangerous-than-it-seems/</loc><lastmod>2022-11-09T21:35:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/23/the-buy-and-holders-and-the-valuation-informed-indexers-share-a-desire-to-minimize-emotion-in-stock-investing-their-approach-to-doing-so-is-different-the-buy-and-holders-disdain-emotion-they-don/</loc><lastmod>2022-11-09T22:15:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/24/it-is-impossible-for-a-buy-and-holder-ever-to-get-the-numbers-right/</loc><lastmod>2022-11-16T09:13:47-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/25/market-timers-beat-the-market-by-maintaining-their-rationality-in-the-face-of-insane-emotionaliism-in-the-market-which-is-always-temporary/</loc><lastmod>2022-11-16T09:21:53-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/26/say-that-permitting-honest-posting-adds-300000-to-the-accumulated-wealth-of-every-investor-over-the-course-of-an-investing-lifetime-say-that-its-only-100-million-people-who-would-receive-that-a/</loc><lastmod>2022-11-16T09:36:50-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/27/the-thing-that-has-to-be-figured-out-is-why-is-there-even-one-person-who-has-not-insisted-that-the-greaney-study-be-corrected-immediately/</loc><lastmod>2022-11-16T10:19:59-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/30/valuation-informed-indexing-629-buy-and-hold-made-stock-investing-more-emotional-than-it-has-ever-been-before/</loc><lastmod>2022-11-16T11:03:05-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/01/31/valuation-informed-indexing-630-market-timing-makes-stock-investing-rationazl/</loc><lastmod>2022-11-30T18:45:34-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/01/valuation-informed-indexing-631-buy-and-hold-doesnt-hurt-us-only-during-price-crashes/</loc><lastmod>2022-11-30T18:55:39-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/02/greaney-wasnt-the-only-person-who-advanced-the-4-percent-rule-there-were-thousands-of-newspaper-articles-on-retirement-planning-that-cited-that-rule-there-were-millions-of-retirements-con/</loc><lastmod>2022-11-30T19:48:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/03/valuation-informed-indexing-632-discussions-of-market-efficiency-are-themselves-not-efficient/</loc><lastmod>2022-12-08T17:13:56-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/06/enaging-forces-me-to-arrange-my-thoughts-and-articulate-them-it-requires-me-to-think-things-through-in-ways-that-i-would-not-if-i-were-not-engaging-in-discussions-with-people-who-hold-contrary-view/</loc><lastmod>2022-12-12T19:30:24-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/07/buy-and-hold-goon-to-rob-the-motley-fool-board-is-not-your-property-nor-did-anyone-burn-it-down-you-also-dont-own-all-the-other-boards-that-decided-to-ban-you-for-your-poor-behavior/</loc><lastmod>2022-12-12T20:11:32-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/08/i-open-the-book-by-talking-about-the-divorce-the-price-that-people-pay-for-telling-the-truth-about-stock-investing-is-a-big-part-of-the-story/</loc><lastmod>2022-12-12T20:20:46-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/09/if-shiller-had-said-things-as-clearly-as-i-say-them-it-may-be-that-he-never-would-have-been-able-to-get-his-book-published-and-that-he-never-would-have-been-awarded-that-nobel-prize-so-i-wouldnt/</loc><lastmod>2022-12-12T20:47:36-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/10/the-single-most-important-purpose-of-investment-advice-is-to-help-people-put-together-their-retirement-plans-if-the-people-in-this-field-cannot-get-an-error-in-a-retirement-study-that-involves-the/</loc><lastmod>2022-12-12T21:00:55-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/13/buy-and-hold-goon-to-rob-if-you-were-right-you-wouldnt-be-broke-and-divorced/</loc><lastmod>2022-12-12T21:24:14-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/14/valuation-informed-indexing-633-there-can-be-good-reasons-for-the-cape-value-to-go-above-17/</loc><lastmod>2022-12-15T20:23:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/15/valuation-informed-indexing-634-the-theory-behind-buy-and-hold-makes-intuitive-sense/</loc><lastmod>2022-12-20T17:47:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/16/valuation-informed-indexing-635-economic-growth-is-gradual-and-even-big-jumps-should-make-you-suspicious/</loc><lastmod>2023-01-03T19:46:18-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/17/valuation-informed-indexing-636-the-explanations-given-for-bull-markets-are-almost-always-made-up/</loc><lastmod>2023-01-03T19:54:49-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/20/valuation-informed-indexing-637-if-market-timing-works-then-it-is-absolutely-critical/</loc><lastmod>2023-01-10T13:03:33-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/21/the-behavior-of-you-goons-showed-that-shiller-is-right-stock-investing-is-in-reality-a-highly-emotional-endeavor-instead-of-prohibiting-discussion-of-the-emotional-behavior-of-investors/</loc><lastmod>2023-01-17T20:48:30-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/22/buy-and-hold-goon-to-rob-not-a-single-person-except-for-you-believes-in-your-interpretation-of-what-one-guy-said-not-a-single-person-has-said-that-your-posts-are-honest-truthful-except-for-yo/</loc><lastmod>2023-01-17T21:03:57-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/23/i-dont-think-everyone-else-is-at-fault-i-think-we-all-have-a-get-rich-quickbuy-and-hold-impulse-residing-within-us-which-has-caused-us-to-make-stock-investing-more-risky-than-it-needs-to-be-for/</loc><lastmod>2023-01-17T21:13:29-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/24/the-greaney-retirement-study-has-not-been-corrected-to-this-day-its-been-20-years-what-more-proof-could-there-possibly-be-its-not-normal-for-an-error-in-a-study-that-people-use-to-plan-their/</loc><lastmod>2023-01-17T21:37:48-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/27/we-cannot-have-one-set-of-laws-for-every-field-of-human-endeavor-except-the-investment-advice-field-and-another-set-for-the-investing-advice-field-that-is-just-not-a-viable-long-term-proposition/</loc><lastmod>2023-01-17T21:44:15-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/02/28/buy-and-hold-goon-to-rob-you-are-very-good-at-pointing-out-that-the-greaney-study-doesnt-contain-a-valuation-adjustment-you-are-much-less-good-at-explaining-why-it-needs-one/</loc><lastmod>2023-01-17T21:51:27-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/03/01/if-greaney-had-corrected-his-study-on-the-afternoon-of-may-13-2002-we-would-today-as-a-nation-of-people-be-20-years-ahead-of-where-we-are-in-our-development-of-the-valuation-informed-indexing-conc/</loc><lastmod>2023-01-17T22:09:04-05:00</lastmod></url><url><loc>https://www.arichlife.passionsaving.com/2023/03/02/the-bennettpfau-research-shows-that-market-timing-is-70-percent-of-what-it-takes-to-achieve-long-term-stock-investing-success-so-70-percent-of-what-we-hear-from-investment-experts-should-be-tellin/</loc><lastmod>2023-01-17T22:19:06-05:00</lastmod></url></urlset>
