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nsaving.com/2023/05/18/theres-shame-involved-in-the-creation-of-irrational-exuberance-we-are-all-involved-in-it-we-create-irrational-exuberance-as-a-nation-of-people-some-of-us-are-very-active-in-doing-so-others-pla/</loc><lastmod>2023-02-11T09:19:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/19/if-a-guy-with-a-ph-d-in-economics-was-being-taken-in-by-the-buy-and-hold-stuff-anyone-could-be-taken-in-by-it-we-dont-all-hold-a-ph-d-in-economics-we-dont-all-have-16-months-of-our-lives-to/</loc><lastmod>2023-02-12T16:53:37-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/22/it-has-to-be-on-every-web-site-we-all-have-a-get-rich-quickbuy-and-hold-urge-residing-within-us-and-we-need-regular-reminders-of-the-dangers-of-buy-and-holdget-rich-quick-you-can-look-at-today/</loc><lastmod>2023-02-12T17:01:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/23/some-people-believe-one-thing-other-people-believe-another-thing-thats-why-they-call-them-discussion-boards-people-with-different-perspectives-discuss-their-differences-and-see-if-they-can-lear/</loc><lastmod>2023-02-12T17:10:16-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/24/valuation-informed-indexing-642-the-great-and-obvious-appeal-of-irrational-exuberance/</loc><lastmod>2023-02-14T16:30:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/25/if-buy-and-hold-is-so-great-why-do-we-today-have-a-cape-value-of-30-i-think-that-cape-value-tells-the-story-of-what-the-relentless-promotion-of-a-pure-get-rich-quick-strategy-no-market-timing-now/</loc><lastmod>2023-02-14T17:49:02-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/26/buy-and-hold-goon-to-rob-of-course-in-response-to-the-question-do-you-believe-that-robert-shillers-nobel-prize-winning-research-showing-that-valuations-affect-long-term-returns-is-legitimate/</loc><lastmod>2023-02-14T17:59:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/29/we-are-in-100-percent-agreement-that-the-market-always-returns-after-every-drop-and-goes-on-to-new-highs-i-dont-think-that-that-justifies-failing-to-engage-in-market-timingprice-discipline-becau/</loc><lastmod>2023-02-15T11:05:55-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/30/market-timing-is-the-thing-that-permits-the-market-to-do-its-core-job-get-prices-right-it-is-market-timing-that-keeps-the-market-functional/</loc><lastmod>2023-02-16T15:59:40-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/05/31/buy-and-hold-goon-to-rob-here-is-a-solution-if-you-dont-think-stocks-are-cheap-enough-for-you-then-dont-buy-them-we-are-all-big-boys-and-girls-here-and-can-make-our-own-decisi/</loc><lastmod>2023-02-17T18:17:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/01/larry-swedroe-while-valuations-do-provide-information-on-future-returns-the-research-has-found-that-they-do-not-provide-information-that-allows-investors-to-profitably-time-the-market/</loc><lastmod>2023-02-18T16:34:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/02/valuation-informed-indexing-643-people-spend-more-when-stock-prices-are-high/</loc><lastmod>2023-02-22T21:40:35-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/05/valuation-informed-indexing-644-stock-investing-risk-is-variable-not-constant/</loc><lastmod>2023-03-01T19:43:05-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/06/i-proposed-that-we-open-every-site-to-honest-posting-on-the-evening-of-may-13-2002-if-we-had-done-that-we-would-today-as-a-nation-of-people-be-20-years-farther-along-in-our-understanding-of-how-s/</loc><lastmod>2023-03-02T19:58:47-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/07/a-price-crash-is-just-a-confidence-crash-it-comes-when-the-buy-and-holders-can-no-longer-successfully-persuade-themselves-that-irrational-exuberance-is-real/</loc><lastmod>2023-03-02T20:06:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/08/people-need-information-to-form-proper-assessments-of-the-value-of-their-stocks-the-last-41-years-of-peer-reviewed-research-is-important-information-we-should-be-permitting-discussions-of-it-every/</loc><lastmod>2023-03-03T11:24:20-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/09/buy-and-hold-goon-to-rob-i-dont-think-you-have-ever-conformed-to-anything-if-you-did-you-would-not-be-broadly-banned-from-the-investment-community-nor-would-you-be-broke-or-divorced/</loc><lastmod>2023-03-03T11:35:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/12/if-get-rich-quickbuy-and-hold-were-a-real-thing-no-one-would-ever-suffer-any-financial-penalty-for-pointing-out-the-errors-in-buy-and-hold-retirement-studies-if-get-rich-quickbuy-and-hold-were-a/</loc><lastmod>2023-03-03T11:45:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/13/it-was-her-infant-who-was-being-threatened-when-i-had-to-tell-her-that-you-goons-said-that-you-would-be-paying-visits-to-our-house-because-i-had-crossed-you-by-pointing-out-the-error-in-the-grea/</loc><lastmod>2023-03-03T11:55:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/14/buy-and-hold-goon-to-rob-every-site-needs-to-be-open-to-discussions-on-why-teslas-dont-have-microwave-ovens/</loc><lastmod>2023-03-03T12:00:28-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/15/there-is-no-more-important-job-in-the-united-states-today-than-getting-every-investing-site-opened-to-honest-discussion-of-the-far-reaching-how-to-implications-of-robert-shillers-nobel-prize-winni/</loc><lastmod>2023-03-03T14:36:39-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/16/buy-and-hold-goon-to-rob-can-people-decide-what-they-will-allow-and-not-allow-on-their-own-website/</loc><lastmod>2023-03-06T18:06:43-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/19/people-who-would-be-willing-to-permit-discussion-of-the-substantive-matters-are-not-willing-to-permit-discussions-of-the-criminal-stuff-buy-and-holders-get-what-they-want-even-though-they-have-noth/</loc><lastmod>2023-03-08T11:26:14-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/20/valuation-informed-indexing-645-does-market-timing-become-less-important-the-longer-irrational-exuberance-remains-in-place/</loc><lastmod>2023-03-08T11:52:55-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/21/valuation-informed-indexing-646-valuation-informed-investing-strategies-are-a-powerful-anti-marketing-force/</loc><lastmod>2023-03-16T19:55:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/22/i-believe-that-the-buy-and-holders-are-great-people-i-like-them-as-individuals-i-want-to-be-friends-with-them/</loc><lastmod>2023-03-18T18:35:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/23/the-bennettpfau-research-shows-that-it-is-nothing-inherent-in-the-nature-of-stocks-that-requires-that-they-be-a-high-risk-asset-class-the-risk-for-which-stocks-have-become-known-over-the-years-is/</loc><lastmod>2023-03-18T18:52:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/26/valuation-informed-indexing-647-stock-investors-have-to-know-that-they-are-wrong-all-along-for-prices-to-eventually-correct/</loc><lastmod>2023-03-21T16:38:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/27/648/</loc><lastmod>2023-03-29T17:59:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/28/one-of-the-things-that-helps-us-all-not-to-become-drug-addicts-or-gambling-addicts-or-sex-addicts-is-that-it-is-common-for-people-to-point-out-the-negatives-of-these-sorts-of-self-destructive-behavi/</loc><lastmod>2023-03-30T18:56:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/29/the-stock-market-works-the-same-as-every-other-market-that-has-ever-existed-price-discipline-is-by-far-the-most-important-thing/</loc><lastmod>2023-03-30T19:08:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/06/30/the-current-state-of-play-is-an-unstable-situation-we-cant-have-peer-reviewed-journals-and-not-permit-people-to-discuss-what-we-learn-from-reading-what-is-published-in-them/</loc><lastmod>2023-04-01T12:38:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/03/if-we-were-all-thinking-clearly-there-would-not-be-one-person-in-the-united-states-disagreeing-with-any-of-this-there-is-clearly-more-than-one-why-because-shiller-was-right-investors-are-not-10/</loc><lastmod>2023-04-01T12:46:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/04/valuation-informed-indexing-649-shillers-research-should-bring-on-a-reconsideration-of-the-great-depression/</loc><lastmod>2023-04-06T18:12:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/05/valuation-informed-indexing-650-four-flaws-in-the-thinking-that-retirement-plans-calling-for-excessive-withdrawals-can-be-fixed-through-ongoing-adjustments/</loc><lastmod>2023-04-13T10:50:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/06/valuation-informed-indexing-651-why-stock-investing-is-so-emotional/</loc><lastmod>2023-04-19T12:16:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/07/people-need-to-be-reminded-daily-of-the-dangers-of-failing-to-engage-in-market-timing-or-they-just-are-not-going-to-engage-in-it/</loc><lastmod>2023-04-20T18:30:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/10/the-more-rational-we-all-become-in-our-investment-choices-the-fewer-bull-markets-we-will-see-and-the-fewer-bear-markets-we-will-see-and-the-fewer-economic-crises-we-will-see-todays-cape-level-is/</loc><lastmod>2023-04-20T18:43:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/11/valuation-informed-indexing-652-it-is-irresponsible-for-someone-who-has-doubts-about-buy-and-hold-not-to-mention-those-doubts/</loc><lastmod>2023-04-25T18:52:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/12/litigation-almost-by-definiton-can-only-come-after-a-cover-up-has-been-exposed/</loc><lastmod>2023-05-03T16:43:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/13/buy-and-hold-goon-to-rob-in-that-20-years-no-one-but-you-thinks-there-is-any-cover-up-what-information-is-missing/</loc><lastmod>2023-05-03T17:08:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/14/how-do-you-think-that-is-ever-going-to-change-its-not-going-to-change-by-all-of-us-who-believe-that-shillers-nobel-prize-winning-research-is-legitimate-research-keeping-it-zipped-to-appease-you/</loc><lastmod>2023-05-03T17:32:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/17/valuation-informed-indexing-563-its-a-confounding-reality-that-stock-prices-revert-to-the-mean/</loc><lastmod>2023-05-19T20:05:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/18/valuation-informed-indexing-654-shillers-book-title-does-not-have-an-exclamation-point-at-the-end/</loc><lastmod>2023-05-19T20:14:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/19/valuation-informed-indexing-655-shillers-research-findings-are-both-amazing-and-completely-unremarkable/</loc><lastmod>2023-05-24T19:23:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/20/valuation-informed-indexing-656-irrational-exuberance-is-like-deficit-spending-only-worse/</loc><lastmod>2023-05-31T18:46:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/21/buy-and-hold-goon-to-rob-you-are-not-owed-anything-by-the-people-of-the-united-states-people-do-not-have-to-do-one-single-thing-for-you-despite-your-demands-what-you-think-you-are-owed-or-what-y/</loc><lastmod>2023-06-04T10:59:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/24/shiller-obviously-showed-us-something-we-did-not-know-before-otherwise-he-would-not-have-been-awarded-a-nobel-prize-what-is-that-something/</loc><lastmod>2023-06-04T11:07:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/25/discussion-of-the-matter-can-be-suppressed-for-a-time-but-the-issue-can-never-go-away-if-market-timing-is-required-and-all-that-investors-can-hear-is-that-it-never-works-there-are-consequences-th/</loc><lastmod>2023-06-04T11:24:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/26/please-identify-one-other-person-who-has-written-a-book-on-the-many-far-reaching-how-to-implications-of-shillers-amazing-nobel-prize-winning-research-findings-there-isnt-one-shiller-himself-ha/</loc><lastmod>2023-06-04T11:39:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/27/i-dont-think-you-can-have-a-society-in-which-research-is-published-in-peer-reviewed-journals-and-cannot-be-discussed-by-the-investors-affected-by-it-its-an-inherently-unstable-situation/</loc><lastmod>2023-06-04T11:45:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/28/theres-a-drop-in-the-1960s-and-1970s-when-we-were-recovering-from-the-high-stock-prices-of-the-early-1960s-look-at-the-years-after-the-early-1980s-when-the-bull-market-that-we-are-currently-in/</loc><lastmod>2023-06-04T12:05:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/07/31/buy-and-hold-goon-to-rob-how-much-more-evidence-do-you-need-before-you-accept-the-fact-that-no-one-is-on-your-side/</loc><lastmod>2023-06-04T12:11:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/01/valuation-informed-indexing-657-more-thinking-about-market-timing-leads-to-more-thinking-about-market-timing/</loc><lastmod>2023-06-07T19:46:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/02/if-someone-walked-into-a-bank-and-said-i-would-like-two-cds-without-first-checking-what-return-is-being-offered-you-would-say-that-he-is-a-fool-thats-precisely-what-any-investor-who-refuses/</loc><lastmod>2023-06-07T20:08:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/03/buy-and-hold-goon-to-rob-risk-is-not-constant-for-anything-period/</loc><lastmod>2023-06-07T20:13:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/04/i-live-in-a-nation-of-people-many-of-those-people-have-helped-me-live-a-better-life-doctors-scientists-teachers-policemen-on-and-on-and-on-and-on-i-would-not-be-able-to-sleep-at-night-if-i-so/</loc><lastmod>2023-06-12T22:13:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/07/i-dont-agree-with-lindauer-or-greaney-on-safe-withdrawal-rates-but-i-say-that-the-valuation-informed-indexers-and-the-buy-and-holders-should-interact-with-each-other-in-a-spirit-of-friendship-and/</loc><lastmod>2023-06-12T22:33:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/08/without-honest-posting-there-is-no-way-to-spread-knowledge-of-new-research-findings-and-thus-no-means-of-correcting-mistakes/</loc><lastmod>2023-06-13T11:37:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/09/buy-and-hold-goon-to-rob-get-a-job-and-stop-making-stuff-up-problem-solved/</loc><lastmod>2023-06-13T12:33:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/10/our-first-21-years-of-discussions-show-that-10-percent-of-investors-believe-that-shillers-nobel-prize-winning-research-showing-that-valuations-affect-long-term-returns-is-legitimate-research-that/</loc><lastmod>2023-06-13T18:33:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/11/im-the-only-person-who-advanced-a-post-on-the-morning-of-may-13-2002-that-pointed-out-the-error-in-the-greaney-retirement-study-and-then-saw-the-cover-up-that-followed-for-the-next-21-years-any/</loc><lastmod>2023-06-13T18:41:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/14/its-different-for-me-because-i-have-seen-the-entire-story-up-close-and-personal-for-21-years-running-now-i-can-tell-the-story-better-than-anyone-else-and-it-is-very-important-to-everyone-who-liv/</loc><lastmod>2023-06-13T18:49:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/15/valuation-informed-indexing-658-is-the-opposition-to-market-timing-just-a-marketing-gimmick/</loc><lastmod>2023-06-13T19:01:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/16/ive-got-the-most-important-job-in-the-united-states-today-my-job-is-to-open-every-site-to-honest-posting-re-the-last-42-years-of-peer-reviewed-research-without-a-single-exception-executing-that/</loc><lastmod>2023-06-13T21:16:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/17/one-of-the-things-that-shillers-nobel-prize-winning-research-shows-is-that-it-is-very-hard-to-think-clearly-about-stock-investing/</loc><lastmod>2023-06-14T17:41:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/18/buy-and-hold-goon-to-rob-there-is-no-job-more-important-than-my-job-to-open-up-the-internet-to-honest-posting-about-microwave-ovens-in-teslas/</loc><lastmod>2023-06-21T19:54:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/21/valuation-informed-indexing-659-irrational-exuberance-didnt-start-with-buy-and-hold/</loc><lastmod>2023-06-20T16:59:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/22/the-greaney-retirement-study-remains-uncorrected-21-years-after-i-brought-the-error-in-it-to-the-attention-of-the-retire-early-community-that-met-at-the-motley-fool-site-what-more-evidence-could-an/</loc><lastmod>2023-06-21T20:01:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/23/if-my-telling-of-that-part-of-the-story-results-in-you-goons-not-going-to-prison-i-am-fine-with-that-i-am-happy-either-way-so-long-as-every-site-is-opened-to-honest-posting-and-we-all-get-to-live/</loc><lastmod>2023-06-21T20:13:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/24/if-we-were-all-thinking-clearly-we-would-all-want-to-see-the-acts-of-intimidation-come-to-a-full-and-complete-stop-of-course-if-we-were-all-thinking-clearly-todays-cape-value-would-not-be-anyt/</loc><lastmod>2023-06-21T20:24:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/25/valuation-informed-indexing-660-market-timing-advice-will-improve-when-more-investors-become-aware-of-how-important-it-is/</loc><lastmod>2023-06-28T20:05:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/28/most-alcoholics-and-drug-addicts-are-rational-intelligent-people-the-same-is-true-of-most-of-the-people-who-fail-to-engage-in-market-timingprice-discipline-when-buying-stocks/</loc><lastmod>2023-06-30T19:43:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/29/i-wouldnt-say-that-the-buy-and-holders-are-generally-irrational-if-anything-they-embrace-it-too-tightly-the-buy-and-holders-put-such-value-on-rationality-that-they-cannot-bear-to-consider-how-i/</loc><lastmod>2023-06-30T19:55:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/30/if-you-look-at-statements-by-buy-and-holders-you-will-see-that-they-often-recommend-taking-the-peer-reviewed-research-into-consideration-it-was-their-focus-on-the-peer-reviewed-research-that-drew/</loc><lastmod>2023-06-30T20:14:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/08/31/valuation-informed-indexing-661-most-people-dont-appreciate-how-important-market-timing-is-until-they-think-about-it-a-bit/</loc><lastmod>2023-07-05T18:14:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/01/valuation-informed-indexing-662-the-fact-that-people-still-push-the-long-discredited-4-percent-rule-shows-the-irrationality-of-buy-and-hold/</loc><lastmod>2023-07-11T20:12:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/04/valuation-informed-indexing-663-at-what-point-does-a-mistake-become-a-scam/</loc><lastmod>2023-07-18T18:39:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/05/while-the-intellectual-support-for-buy-and-holdget-rich-quick-is-precisely-zero-the-institutional-support-for-it-is-huge-for-the-buy-and-holders-to-come-clean-they-not-only-have-to-acknowledge-t/</loc><lastmod>2023-07-21T18:49:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/06/i-was-not-banned-at-just-one-or-two-places-i-was-banned-at-lots-of-places/</loc><lastmod>2023-07-21T18:58:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/07/buy-and-holdget-rich-quick-is-a-serious-addiction-have-you-ever-heard-of-someone-quitting-smoking-or-escaping-alcoholism-because-they-heard-one-time-how-smoking-or-drinking-to-excess-are-negative/</loc><lastmod>2023-07-21T19:10:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/08/buy-and-hold-goon-to-rob-so-only-rob-bennett-thinks-clearly-and-the-rest-of-us-are-delusional-idiots/</loc><lastmod>2023-07-21T19:18:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/11/buy-and-hold-goon-to-rob-i-have-never-seen-one-buy-and-holder-go-broke/</loc><lastmod>2023-07-21T19:59:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/12/every-abusive-post-by-a-buy-and-holder-argues-in-favor-of-shillers-core-finding-that-stock-investing-is-at-times-a-highly-emotional-endeavor-thats-a-lot-of-arguments-in-favor-of-his-nobel-prize/</loc><lastmod>2023-07-21T20:38:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/13/it-is-the-buy-and-holders-who-put-the-thought-in-my-head-that-it-is-a-good-idea-to-pay-attention-to-the-peer-reviewed-research-i-just-wish-that-they-had-listened-to-themselves/</loc><lastmod>2023-07-21T20:51:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/14/theres-only-one-difference-between-buy-and-hold-and-valuation-informed-indexng-but-that-one-difference-is-a-doozy-the-difference-is-whether-irrational-exuberance-should-be-celebrated-or-attacked/</loc><lastmod>2023-07-21T21:23:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/15/if-i-dont-mention-the-goon-thing-i-am-leaving-out-an-important-part-of-the-story-without-the-goon-stuff-everyone-would-have-learned-what-the-research-says-many-years-ago-and-todays-cape-value/</loc><lastmod>2023-07-21T21:41:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/18/say-that-there-is-a-one-in-a-hundred-chance-that-i-was-right-in-what-i-said-in-my-famous-post-from-the-morning-of-may-13-2002-that-the-retirement-study-posted-at-john-greaneys-web-site-truly-d/</loc><lastmod>2023-07-21T21:55:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/19/valuation-informed-indexing-664-do-the-buy-and-holders-believe-in-buy-and-hold/</loc><lastmod>2023-07-25T15:54:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/20/valuation-informed-indexing-665-stock-investing-questions-which-ones-require-more-research/</loc><lastmod>2023-08-02T16:48:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/21/valuation-informed-indexing-666-if-there-are-times-when-market-timing-does-not-work-as-well-as-it-usually-does-there-are-also-times-when-it-works-better-than-it-usually-does/</loc><lastmod>2023-08-09T18:31:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/22/valuation-informed-indexing-667-giving-accurate-investment-advice-is-not-enough-we-need-to-come-to-terms-with-the-buy-and-hold-cover-up/</loc><lastmod>2023-08-18T11:04:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/25/valuation-informed-indexing-668-a-4-percent-withdrawal-rate-has-been-a-high-risk-bet-several-earlier-times-in-u-s-history/</loc><lastmod>2023-08-24T16:16:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/26/valuation-informed-indexing-669-did-the-people-who-developed-buy-and-hold-understand-that-market-timing-is-price-discipline/</loc><lastmod>2023-08-31T17:14:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/27/valuation-informed-indexing-670-valuations-affect-long-term-returns-but-why/</loc><lastmod>2023-09-05T20:14:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/28/you-dont-know-how-much-you-have-you-dont-subtract-for-irrational-exuberance-how-could-you-possibly-know/</loc><lastmod>2023-09-13T18:36:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/09/29/the-valuation-informed-indexing-story-is-bigger-than-watergate-a-journalist-is-needed-to-clear-the-field-and-then-all-of-the-good-people-who-work-in-this-field-will-be-able-to-do-the-good-work-that/</loc><lastmod>2023-09-13T19:27:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/02/the-leverage-here-is-completely-off-the-charts/</loc><lastmod>2023-09-13T19:38:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/03/if-we-had-all-been-thinking-clearly-a-national-debate-on-the-how-to-implications-of-shillers-research-would-have-been-launched-on-the-day-in-1981-when-the-research-was-published-we-are-today-42/</loc><lastmod>2023-09-13T20:01:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/04/buy-and-hold-goon-to-rob-you-are-not-free-to-demand-that-others-give-you-access-to-their-platform/</loc><lastmod>2023-09-13T20:44:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/05/buy-and-hold-goon-to-rob-you-dont-seem-to-have-grown-tired-of-being-broke-and-cut-off-from-the-investment-community/</loc><lastmod>2023-09-13T20:54:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/06/there-are-two-schools-of-academic-thought-re-how-stock-investing-works-it-is-a-logical-impossibility-that-both-are-correct-because-they-are-rooted-in-opposite-premises-as-a-nation-of-people-we-ne/</loc><lastmod>2023-09-13T21:03:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/09/valuation-informed-indexing-671-the-thing-that-permits-markets-to-get-prices-right-is-the-natural-tension-between-buyers-who-seek-low-prices-and-sellers-who-seek-high-prices/</loc><lastmod>2023-09-14T16:33:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/10/buy-and-hold-goon-to-rob-who-are-you-to-determine-how-many-schools-there-are-you-are-not-an-expert-in-the-field-nor-do-you-have-any-formal-training-you-are-not-part-of-a-consortium-of-thought-le/</loc><lastmod>2023-09-14T18:36:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/11/buy-and-hold-goon-to-rob-shiller-and-his-research-are-allowed-pfau-and-his-research-are-allowed-your-opinion-is-not-research/</loc><lastmod>2023-09-14T18:35:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/12/buy-and-hold-goon-to-rob-the-collective-community-has-been-having-to-take-on-the-mother-role-because-of-your-childish-behavior-the-investment-community-that-includes-the-board-owners-decide-what/</loc><lastmod>2023-09-14T18:59:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/13/if-the-site-owners-truly-believed-that-honest-posting-re-the-past-42-years-of-peer-reviewed-research-should-be-banned-they-would-put-language-to-that-effect-in-their-published-site-rules-they-went/</loc><lastmod>2023-09-14T19:07:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/16/buy-and-hold-goon-to-rob-whose-version-of-honesty-should-be-allowed-and-who-decides-what-they-think-is-honest/</loc><lastmod>2023-09-14T19:38:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/17/if-it-werent-for-the-42-year-cover-up-the-buy-and-holders-would-be-united-in-insisting-that-greaney-correct-the-study-immediately-but-that-would-expose-the-entire-cover-up-in-which-everyone-who/</loc><lastmod>2023-09-14T19:52:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/18/saying-that-there-is-no-step-two-is-an-expression-of-cynicism-if-it-really-were-so-that-there-is-no-possibility-that-we-could-ever-again-as-a-nation-of-people-advance-in-our-understanding-of-how-st/</loc><lastmod>2023-09-14T20:05:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/19/the-abusive-posting-is-part-of-the-story-of-stock-investing-it-is-the-emotional-part-that-the-people-who-came-up-with-the-efficient-market-theory-overlooked-and-that-shiller-focused-on-in-producing/</loc><lastmod>2023-09-14T20:17:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/20/i-learned-that-the-get-rich-quickbuy-and-hold-urge-is-a-very-strong-thing-it-would-be-very-easy-to-overcome-it-if-investors-were-100-percent-rational-as-was-assumed-by-the-people-who-concluded-th/</loc><lastmod>2023-09-14T20:42:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/23/say-that-there-is-a-1-in-100-chance-that-i-was-right-in-saying-that-the-retirement-study-posted-at-john-greaneys-web-site-lacks-an-adjustment-for-the-valuation-level-that-applies-on-the-day-the-re/</loc><lastmod>2023-09-14T20:53:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/24/the-more-resistance-i-see-to-discussion-of-the-past-42-years-of-peer-reviewed-research-the-more-confidence-i-have-that-theres-value-in-exploring-those-42-years-of-peer-reviewed-research-in-great/</loc><lastmod>2023-09-14T21:01:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/25/shiller-wouldnt-have-been-awarded-a-nobel-prize-if-there-werent-a-lot-of-people-who-suspect-that-he-is-onto-something-very-important-we-are-moving-from-the-dark-ages-of-investing-analysis-to-a/</loc><lastmod>2023-09-14T21:23:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/26/the-boards-were-not-formed-as-marketing-vehicles-for-buy-and-hold/</loc><lastmod>2023-09-14T21:33:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/27/is-there-something-that-i-can-do-for-you-that-would-make-your-life-better-i-cannot-say-that-i-believe-that-the-greaney-study-contains-a-valuation-adjustment-is-there-something-else/</loc><lastmod>2023-09-14T21:41:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/30/no-one-is-changing-their-mind-so-stop-asking-you-have-been-banned-at-all-the-major-boards-and-have-been-told-that-it-has-been-because-of-your-bad-behavior-stop-askingdemanding-access-you-have-a/</loc><lastmod>2023-09-14T22:12:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/10/31/a-bull-market-cannot-sustain-widespread-telling/</loc><lastmod>2023-09-14T22:39:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/01/have-you-written-a-book-on-the-transition-from-buy-and-hold-to-valuation-informed-indexing-has-anyone-else/</loc><lastmod>2023-09-14T22:44:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/02/a-goon-is-someone-who-directs-his-energies-to-suppressing-discussion-of-the-last-42-years-of-peer-reviewed-research-in-this-field-the-goons-make-up-about-10-percent-of-the-population-of-buy-and-hol/</loc><lastmod>2023-09-14T22:55:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/03/grapes-of-wrath-told-the-story-of-a-buy-and-hold-crisis-that-really-happened-my-parents-lived-through-it-they-told-me-stories-of-what-it-was-like-i-dont-like-the-idea-of-my-boys-and-millions-a/</loc><lastmod>2023-09-14T23:06:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/06/long-term-market-timing-is-price-discipline-no-market-can-survive-without-price-discipline/</loc><lastmod>2023-09-15T14:57:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/07/it-doesnt-mean-much-that-90-percent-of-investors-are-buy-and-holders-today-most-have-never-heard-about-valuation-informed-indexing-so-they-dont-know-any-better-or-if-they-heard-about-it-the/</loc><lastmod>2023-09-16T16:49:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/08/buy-and-hold-goon-to-rob-you-clearly-havent-had-an-issue-of-getting-your-message-out-there-it-is-simply-a-fact-that-you-just-dont-have-people-willing-to-support-the-message-as-y/</loc><lastmod>2023-09-16T17:00:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/09/do-you-think-that-i-should-lie-about-my-belief-should-i-say-that-it-appears-to-me-that-the-greaney-retirement-study-contains-a-valuation-adjustment-even-though-my-sincere-belief-is-that-it-lacks-on/</loc><lastmod>2023-09-17T06:07:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/10/i-believe-that-all-investors-should-have-the-opportinity-to-hear-about-the-last-42-years-of-peer-reviewed-research-in-this-field/</loc><lastmod>2023-09-17T21:05:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/13/the-vast-majority-of-buy-and-holders-doesnt-even-know-about-the-error-they-made-the-vast-majority-of-buy-and-holders-follows-buy-and-hold-strategies-themselves-are-they-engaging-in-a-conspiracy/</loc><lastmod>2023-09-17T21:14:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/14/i-was-a-buy-and-holder-because-i-had-heard-that-buy-and-holders-believed-in-using-the-peer-reviewed-research-as-guidance-on-how-to-invest/</loc><lastmod>2023-09-18T06:47:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/15/valuation-informed-indexing-672-buy-and-hold-is-a-price-indifferent-strategy-thats-not-good/</loc><lastmod>2023-09-20T14:31:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/16/i-dont-need-any-specialized-knowledge-and-training-to-be-able-to-read-the-title-of-a-book-the-title-of-shillers-book-is-irrational-exuberance-does-that-sound-like-a-good-thing-to-you/</loc><lastmod>2023-09-20T16:08:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/17/the-peer-reviewed-research-looks-at-the-entire-history-of-the-stock-market-while-your-scoreboard-is-how-things-feel-at-a-moment-in-time-when-irrational-exuberance-is-out-of-control-and-the-cape-valu/</loc><lastmod>2023-09-20T16:17:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/20/youve-said-that-10000-times-i-heard-you-the-first-10000-times-i-dont-see-any-particular-need-for-you-to-say-it-10000-additional-times/</loc><lastmod>2023-09-20T16:27:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/21/what-will-happen-once-we-have-opened-every-discussion-board-and-blog-on-the-internet-to-honest-posting-re-the-last-42-years-of-peer-reviewed-research-without-a-single-exception-will-there-be-even/</loc><lastmod>2023-09-20T16:34:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/22/valuation-informed-indexing-673-the-stock-market-is-an-information-processing-machine/</loc><lastmod>2023-09-28T20:05:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/23/valuation-informed-indexing-674-the-stock-market-craves-information-it-has-been-denied/</loc><lastmod>2023-10-05T20:44:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/24/buy-and-hold-goon-to-rob-you-didnt-want-to-discuss-investing-matters-you-wanted-to-make-the-discussion-about-you-and-your-history-at-other-sites/</loc><lastmod>2023-10-06T20:20:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/27/the-odd-thing-of-course-is-that-shiller-never-states-in-his-book-in-a-clear-and-direct-way-that-all-stock-investors-should-be-engaging-in-market-timing-at-all-times-why-wouldnt-he-say-that/</loc><lastmod>2023-10-06T20:32:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/28/shillers-research-does-no-good-if-we-are-not-all-free-to-talk-about-it-at-every-site/</loc><lastmod>2023-10-06T20:41:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/29/do-you-think-that-the-buy-and-holders-support-this-cover-up-i-surely-do-not-think-that/</loc><lastmod>2023-10-06T20:47:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/11/30/the-price-that-is-set-at-a-time-when-honest-posting-re-the-research-is-banned-is-obviously-not-the-price-that-would-apply-if-honest-posting-re-the-research-were-permitted/</loc><lastmod>2023-10-06T20:55:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/01/buy-and-hold-goon-to-rob-research-is-not-banned-you-are-banned/</loc><lastmod>2023-10-06T21:00:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/04/how-is-it-that-there-are-site-administrators-who-agreed-to-ban-me-because-i-pointed-out-an-error-in-a-study-that-people-were-using-to-plan-their-retirements-thats-an-issue-of-huge-public-policy/</loc><lastmod>2023-10-06T21:10:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/05/i-didnt-know-that-anything-was-going-on-on-the-morning-of-may-13-2002-so-everything-written-in-the-book-will-be-things-that-i-learned-by-having-the-courage-to-say-what-i-believe-and-then-watch-t/</loc><lastmod>2023-10-06T21:18:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/06/there-are-millions-of-smart-and-good-people-who-believe-that-buy-and-hold-is-a-sound-strategy-i-do-not-agree-with-them-but-i-very-much-believe-that-they-should-be-permitted-and-encouraged-to-parti/</loc><lastmod>2023-10-06T21:26:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/07/the-people-who-developed-the-buy-and-hold-concept-did-not-start-out-with-the-idea-of-bringing-on-yet-another-economic-crisis-they-made-a-freakin-mistake/</loc><lastmod>2023-10-06T21:33:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/08/valuation-informed-indexing-675-only-those-who-engage-in-market-timing-are-truly-following-a-strategy/</loc><lastmod>2023-10-12T15:10:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/11/as-a-nation-of-people-we-have-given-you-veto-power-over-what-is-said-about-stock-investing-on-the-internet-it-was-a-mistake-to-give-you-that-power-but-you-have-been-given-it-your-power-is-a-reali/</loc><lastmod>2023-10-15T14:40:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/12/using-valuation-based-market-timing-would-not-have-outperformed-the-market-using-information-available-at-the-time-of-the-investment-decision/</loc><lastmod>2023-10-15T14:54:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/13/we-have-laws-and-cultural-norms-that-apply-to-everything-in-the-united-states-except-for-buy-and-hold-the-cultural-norm-is-that-when-you-learn-that-you-made-a-mistake-at-an-earlier-time-when-all-o/</loc><lastmod>2023-10-15T15:05:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/14/when-you-are-dealing-with-a-revoltionary-advance-in-the-understanding-of-a-subject-the-talking-it-over-part-is-an-essential-stage-of-the-learning-process/</loc><lastmod>2023-10-15T15:13:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/15/i-want-things-to-go-according-to-the-published-rules-of-the-sites-and-the-laws-of-the-united-states-i-dont-believe-that-we-can-indefinitely-have-a-situation-where-the-laws-and-social-norms-that-a/</loc><lastmod>2023-10-15T15:21:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/18/i-had-also-hoped-to-go-over-why-trying-to-get-everyone-to-market-time-wouldnt-work-and-why-vii-in-general-would-not-work/</loc><lastmod>2023-10-15T15:30:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/19/buy-and-hold-goon-to-rob-your-typical-diatribe-about-people-not-having-information-is-a-bunch-of-b-s-everyone-has-access-to-all-the-information-that-is-publicly-available/</loc><lastmod>2023-10-15T15:36:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/20/what-matters-to-me-is-the-journalism-question-permitting-people-to-have-the-discussions-they-want-to-have-and-the-human-psychology-question-the-incredible-ability-we-humans-possess-to-engag/</loc><lastmod>2023-10-15T15:57:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/21/even-if-you-post-anonymously-about-the-realities-of-stock-investing-you-have-still-separated-yourself-from-the-pack/</loc><lastmod>2023-10-15T16:07:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/22/anyone-who-says-that-market-timingprice-discipline-is-required-when-buying-stocks-separates-himself-from-the-pack-by-doing-so/</loc><lastmod>2023-10-15T16:17:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/25/are-you-able-to-identify-any-strategic-change-that-was-necessitated-by-the-publication-of-shillers-nobel-prize-winning-research-showing-that-valuations-affect-long-term-returns/</loc><lastmod>2023-10-15T16:22:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/26/research-looks-at-historical-outcomes-the-difference-is-that-research-looks-at-all-outcomes-not-just-those-in-the-present-day-or-the-recent-past/</loc><lastmod>2023-10-15T16:27:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/27/if-there-is-no-strategic-change-that-follows-from-shillers-research-i-have-a-hard-time-understanding-why-he-was-awarded-a-nobel-prize/</loc><lastmod>2023-10-15T16:32:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/28/valuation-informed-indexing-676-shiller-quantified-what-was-previously-thought-to-be-non-quantifiable/</loc><lastmod>2023-10-20T11:20:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2023/12/29/valuation-informed-indexing-677-stock-losses-are-a-real-setback-even-though-one-day-prices-will-recover/</loc><lastmod>2023-10-24T16:21:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/01/valuation-informed-indexing-678-how-has-the-mood-of-investors-changed-over-the-past-27-years/</loc><lastmod>2023-11-02T10:56:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/02/valuation-informed-indexing-679-if-valuations-cant-be-used-for-market-timing-shillers-research-serves-no-purpose/</loc><lastmod>2023-11-08T16:34:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/03/valuation-informed-indexing-680-the-shift-to-valuation-informed-indexing-is-an-all-or-nothing-thing/</loc><lastmod>2023-11-14T19:24:24-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/04/valuation-informed-indexing-681-language-that-could-be-added-to-the-buy-and-hold-retirement-studies-to-put-readers-on-notice-of-their-risks/</loc><lastmod>2023-11-22T15:41:18-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/05/682/</loc><lastmod>2023-12-05T13:33:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/08/valuation-informed-indexing-683-is-there-a-case-for-using-the-historical-surviving-withdrawal-rate-for-planning-purposes/</loc><lastmod>2023-12-10T19:12:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/09/ive-been-in-social-situations-where-i-meet-someone-new-and-i-tell-them-my-story-the-board-bannings-and-the-divorce-and-my-inability-to-build-my-internet-writing-business-and-so-on-i-have-never-s/</loc><lastmod>2023-12-10T19:41:39-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/10/buy-and-hold-goon-to-rob-in-social-situations-they-are-going-to-be-polite-and-not-say-anything-to-hurt-your-feelings-when-they-learn-of-your-divorce-as-part-of-your-conversation-regarding-investi/</loc><lastmod>2023-12-10T19:51:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/11/its-something-inherent-in-human-nature-we-have-had-bull-markets-since-the-first-stock-market-opened-for-business-and-they-have-always-hurt-us-why-have-we-not-as-a-nation-of-people-worked-up-the/</loc><lastmod>2023-12-10T20:06:31-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/12/we-have-elected-as-a-nation-of-people-not-to-apply-the-laws-that-apply-in-every-other-realm-of-human-endeavor-in-t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-the-problem-is-you-and-your-behavior-u/</loc><lastmod>2023-12-15T10:17:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/07/buy-and-hold-goon-to-rob-no-one-else-thinks-there-is-an-error-so-it-doesnt-need-to-be-fixed/</loc><lastmod>2023-12-15T12:47:32-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/08/buy-and-hold-goon-to-rob-if-you-had-a-serious-life-issue-right-now-and-needed-100k-to-cover-the-cost-would-you-be-able-to-do-so-do-you-own-a-home-for-your-retirement-years-can-you-afford-to-g/</loc><lastmod>2023-12-16T18:23:55-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/09/what-do-you-say-when-theres-a-price-crash-do-you-say-that-it-just-happened-that-nobody-knows-why/</loc><lastmod>2023-12-16T18:31:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/12/is-there-any-cape-level-at-which-stocks-no-longer-represent-a-bargain-according-to-your-perspective-on-things/</loc><lastmod>2023-12-16T18:37:02-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/13/human-beings-did-not-come-to-planet-earth-with-an-instruction-booklet-on-how-stock-investing-works-we-have-been-learning-over-time-we-achieved-a-major-advance-in-1981-we-need-to-give-ourselves-pe/</loc><lastmod>2023-12-16T18:48:15-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/14/valuation-informed-indexing-684-investing-for-humans-is-a-strange-title-for-a-book/</loc><lastmod>2023-12-20T16:51:41-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/15/working-through-the-abusive-stuff-is-the-price-that-anyone-who-cares-about-getting-stock-investing-right-has-to-pay-in-the-year-2023-to-get-to-the-learning-stuff/</loc><lastmod>2023-12-20T17:57:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/16/when-someone-discovers-something-dramatically-new-the-world-doesnt-flip-a-switch-so-that-everyone-comes-around-to-the-new-idea-in-10-minutes-there-has-to-be-a-process-of-questioning-and-discussi/</loc><lastmod>2023-12-20T18:07:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/19/buy-and-hold-goon-to-rob-there-are-numerous-sites-where-shiller-and-cape-are-discussed-the-fact-that-you-have-been-banned-at-a-number-of-investing-sites-does-not-mean-that-the-topic-is-not-discuss/</loc><lastmod>2023-12-20T18:14:08-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/20/when-youre-telling-people-why-they-need-to-engage-in-market-timing-youre-telling-them-why-the-strategy-that-posits-that-market-timing-is-not-100-percent-required-is-so-dangerous-buy-and-holder/</loc><lastmod>2023-12-20T18:34:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/21/the-world-will-do-what-the-world-elects-to-do/</loc><lastmod>2023-12-21T09:16:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/22/buy-and-hold-goon-to-rob-gee-rob-you-finally-convinced-all-i-have-alerted-all-the-goons-around-the-world-and-instructed-them-to-open-up-the-entire-internet-including-all-of-the-investment-board/</loc><lastmod>2023-12-21T16:59:15-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/23/valuation-informed-indexing-686-its-not-enough-to-tolerate-market-timing-we-need-to-encourage-it/</loc><lastmod>2023-12-27T19:16:06-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/26/there-were-people-who-believed-that-the-greaney-retirement-study-was-real/</loc><lastmod>2023-12-28T11:57:34-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/27/the-title-of-the-book-is-investing-for-humans-thats-a-bold-title-has-there-never-before-been-a-book-showing-humans-how-to-invest-in-stocks-the-incredible-reality-is-that-there-has-not-ever/</loc><lastmod>2023-12-28T12:06:53-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/28/say-that-each-time-someone-says-there-might-be-an-alternate-universe-where-market-timing-is-not-100-percent-required-for-every-investor-you-never-know-10000-worth-of-wealth-is-destroyed-con/</loc><lastmod>2023-12-28T12:17:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/02/29/buy-and-hold-goon-to-rob-which-expert-has-publicly-stated-that-greaney-made-an-error/</loc><lastmod>2023-12-28T12:30:57-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/01/getting-the-numbers-right-in-retirement-studies-is-important/</loc><lastmod>2023-12-28T12:31:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/04/valuation-informed-indexing-687-investor-irrationality-is-scary-thats-why-we-are-so-reluctant-to-talk-about-it/</loc><lastmod>2024-01-03T20:24:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/05/if-the-only-way-that-the-people-who-advocate-buy-and-hold-believe-that-they-can-maintain-confidence-in-it-is-to-deny-people-access-to-challenges-to-it-buy-and-hold-is-a-gravely-flawed-strategy/</loc><lastmod>2024-01-05T15:09:41-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/06/people-were-afraid-to-tell-the-story-of-how-cigarettes-cause-cancer-in-that-day-just-as-they-are-afraid-today-to-tell-the-story-of-how-retirement-studies-that-lack-valuation-adjustments-eventually-c/</loc><lastmod>2024-01-05T15:19:17-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/07/the-more-people-there-are-who-practice-market-timing-the-quicker-prices-will-correct/</loc><lastmod>2024-01-05T15:25:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/08/the-last-thing-that-a-buy-and-holder-wants-to-hear-is-what-the-research-says-research-and-buy-and-hold-cannot-co-exist-they-are-opposites/</loc><lastmod>2024-01-05T15:51:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/11/do-you-think-it-would-have-been-better-if-i-had-kept-it-zipped-re-the-error-in-the-greaney-retirement-study/</loc><lastmod>2024-01-05T15:56:20-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/12/bans-are-not-the-norm-if-i-had-not-been-hugely-successful-you-goons-would-never-have-insisted-on-a-single-ban/</loc><lastmod>2024-01-05T16:02:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/13/shillers-research-was-not-available-at-the-time-the-buy-and-hold-strategy-was-being-developed-so-the-people-who-were-putting-it-together-had-to-take-a-wild-shot-in-the-dark/</loc><lastmod>2024-01-05T16:09:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/14/the-bennettpfau-research-shows-that-most-of-the-risk-of-stock-investing-results-from-investors-failing-to-act-to-rein-in-irrational-exuberance-through-market-timing/</loc><lastmod>2024-01-05T16:17:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/15/stocks-are-extremely-risky-today-the-cape-value-is-just-a-notch-below-the-level-that-brought-on-the-great-depression-but-that-is-a-100-percent-optional-situation-we-could-open-every-site-to-hone/</loc><lastmod>2024-01-05T16:26:43-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/18/buy-and-hold-goon-to-rob-the-world-you-want-to-exist-simply-cant-happen-if-it-did-happen-you-would-be-outbid-by-other-investors-eager-to-snap-up-those-amazing-bargains/</loc><lastmod>2024-01-07T10:54:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/19/once-a-board-tolerates-abusive-behavior-aimed-at-supressing-the-discussion-of-the-research-that-board-becomes-a-fraudulent-entity/</loc><lastmod>2024-01-07T11:12:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/20/buy-and-hold-goon-to-rob-each-person-decides-what-they-want-to-buy-at-the-price-that-is-being-offered-no-one-is-forced-to-buy-stock-like-anything-else/</loc><lastmod>2024-01-07T11:25:25-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/21/buy-and-hold-goon-to-rob-we-are-still-waiting-for-you-to-say-those-words-until-then-expect-to-see-the-same-horrible-results/</loc><lastmod>2024-01-07T11:34:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/22/demand-for-stocks-is-insufficiently-flexible/</loc><lastmod>2024-01-08T20:00:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/25/theres-not-a-switch-that-you-can-flip-to-have-everyone-drop-buy-and-hold-and-adopt-valuation-informed-indexing-on-the-day-that-buy-and-hold-is-discredited-by-new-research-people-have-to-be-educat/</loc><lastmod>2024-01-08T20:10:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/26/the-fact-that-4-percent-barely-survived-when-prices-were-at-insane-levels-shows-that-4-percent-is-an-extreme-high-risk-withdrawal-rate-for-retirements-beginning-at-insanely-high-valuation-levels/</loc><lastmod>2024-01-08T20:19:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/27/valuation-informed-indexing-688-is-it-mean-to-tell-people-that-their-portfolio-is-worth-only-50-percent-of-what-they-think-it-is-worth/</loc><lastmod>2024-01-11T12:14:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/28/valuation-informed-indexing-689-people-are-afraid-to-post-even-anonymously-in-support-of-market-timing/</loc><lastmod>2024-01-17T14:00:45-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/03/29/if-buy-and-hold-were-a-real-thing-we-never-would-have-seen-a-single-abusive-post-much-less-any-of-the-criminal-stuff/</loc><lastmod>2024-01-19T15:59:26-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/04/01/i-have-never-experienced-the-tiniest-problem-convincing-people-thats-been-so-at-every-site-at-which-i-have-ever-posted-ive-obviously-never-been-able-to-convince-the-buy-and-hold-goons-but-the/</loc><lastmod>2024-01-19T16:10:14-05:00</lastmod></url><url><loc>h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tmod></url><url><loc>https://arichlife.passionsaving.com/2024/04/30/people-do-not-run-away-from-me-or-avoid-me-or-block-me-the-sorts-of-individuals-who-have-put-up-posts-in-defense-of-mel-lindauer-and-john-greaney-do/</loc><lastmod>2024-02-14T21:26:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/01/valuation-informed-indexing-694-shillers-research-shows-why-stock-forecastings-record-is-so-poor/</loc><lastmod>2024-02-22T19:07:22-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/02/it-is-high-cape-values-irrational-exuberance-that-cause-low-cape-values-irrational-depression/</loc><lastmod>2024-02-22T19:27:57-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/03/theres-a-lot-of-emotion-evidenced-in-those-words-for-all-of-us-to-become-better-investors-we-need-to-think-about-where-that-emotion-is-coming-from-and-how-we-can-work-together-to-rein-it-in/</loc><lastmod>2024-02-22T19:44:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/06/buy-and-holders-cheer-on-irrational-exuberance-because-their-core-belief-is-that-investors-are-rational-and-therefore-price-increases-are-justified-by-good-economic-news-valuation-informed-indexers/</loc><lastmod>2024-02-22T19:56:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/07/what-are-my-responsibilities-when-i-see-a-super-weird-situation-like-this-i-sure-dont-want-to-see-the-people-of-this-country-having-to-endure-yet-another-buy-and-hold-crisis-do-you/</loc><lastmod>2024-02-22T20:05:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/08/a-person-can-obtain-most-of-the-benefits-of-valuation-based-market-timing-by-making-only-one-allocation-change-every-ten-years-on-average/</loc><lastmod>2024-02-26T19:23:16-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/09/greaney-doeesnt-like-to-see-people-talking-about-it-the-more-they-talk-about-it-the-more-that-their-common-sense-becomes-dominant-over-their-get-rich-quickbuy-and-hold-impulse/</loc><lastmod>2024-02-26T19:31:26-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/10/how-has-buy-and-hold-worked-out-for-us-as-a-nation-of-people-was-the-2008-economic-crisis-a-positive-experience-are-we-happy-with-todays-cape-value-of-34/</loc><lastmod>2024-02-26T19:40:28-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/13/valuation-informed-indexing-695-many-people-believe-that-theres-research-showing-that-market-timing-doesnt-work/</loc><lastmod>2024-02-27T19:24:27-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/14/valuation-informed-indexing-696-most-buy-and-hold-dogmas-have-never-been-formally-stated/</loc><lastmod>2024-03-07T19:36:27-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/15/if-we-are-not-going-to-permit-discussion-of-the-peer-reviewed-research-we-should-just-shut-down-all-the-peer-reviewed-journals/</loc><lastmod>2024-03-10T21:16:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/16/we-can-all-enjoy-returns-of-6-5-percent-real-without-ever-creating-any-irrational-exuberance-why-isnt-that-enough/</loc><lastmod>2024-03-10T21:23:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/17/had-it-not-been-for-the-abusive-behavior-of-you-goons-valuation-informed-indexing-would-today-be-the-dominant-model-for-understanding-how-stock-investing-works-it-would-have-supplanted-buy-and-hol/</loc><lastmod>2024-03-10T21:33:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/20/betraying-your-friends-in-your-40s-50s-and-60s-is-worse/</loc><lastmod>2024-03-10T21:39:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/21/if-most-investors-engaged-in-valuation-based-market-timing-we-could-never-have-the-cape-value-34-that-applies-today/</loc><lastmod>2024-03-10T21:46:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/22/for-investors-to-set-prices-properly-they-need-access-to-the-information-needed-to-make-good-choices-the-peer-reviewed-research-is-obviously-critically-important-information/</loc><lastmod>2024-03-10T21:54:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/23/you-have-no-way-of-knowing-what-the-numbers-show-you-dont-adjust-for-irrational-exuberance/</loc><lastmod>2024-03-10T22:00:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/24/thats-what-shiller-was-getting-at-when-he-used-the-term-irrational-exuberance-the-rational-thing-would-be-to-want-to-get-the-numbers-right-in-retirement-studies-not-to-strike-out-at-those-wh/</loc><lastmod>2024-03-10T22:10:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/27/valuation-informed-indexing-697-the-claim-that-buy-and-hold-is-research-based-is-a-marketing-gimmick/</loc><lastmod>2024-03-17T11:23:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/28/valuation-informed-indexing-698-people-want-to-believe-that-they-know-how-stock-investing-works-shillers-huge-advance-is-disorienting/</loc><lastmod>2024-03-19T16:32:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/29/the-ark-of-history-in-the-personal-finance-realm-bends-toward-rationality-in-stock-investing/</loc><lastmod>2024-05-29T07:45:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/30/stock-investing-risk-is-not-a-given-it-was-a-product-of-our-ignorance-of-how-stock-investing-works-in-the-days-before-shiller-published-his-nobel-prize-winning-research/</loc><lastmod>2024-03-19T17:03:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/05/31/the-thing-that-causes-risk-for-stock-investors-is-irrational-exuberance/</loc><lastmod>2024-03-19T17:09:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/03/youre-describing-what-we-would-all-do-if-we-were-all-100-percent-rational-we-are-not-thats-the-entire-point-of-shillers-nobel-prize-winning-research/</loc><lastmod>2024-03-19T17:17:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/04/a-return-of-6-5-percent-real-is-not-a-high-return-thats-the-return-justified-by-the-economic-realities-it-is-the-buy-and-holders-who-are-seeking-returns-higher-than-that-i-am-saying-that-e/</loc><lastmod>2024-03-19T17:28:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/05/todays-stock-market-is-not-a-free-market-part-of-what-makes-a-market-free-is-that-investors-have-easy-access-to-the-information-they-need-to-make-intelligent-choices/</loc><lastmod>2024-03-19T17:47:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/06/if-we-cant-get-an-error-in-a-retirement-study-corrected-in-22-years-then-what-the-heck-good-does-it-do-us-to-have-any-of-these-investing-sites/</loc><lastmod>2024-03-19T17:55:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/07/if-buy-and-hold-were-something-real-other-buy-and-holders-would-be-horrified-to-see-the-manner-in-which-you-defend-it/</loc><lastmod>2024-03-19T18:04:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/10/do-you-believe-that-irrational-exuberance-even-exists/</loc><lastmod>2024-04-03T17:38:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/11/theres-a-social-taboo-against-telling-the-truth-about-stock-investing-you-goons-are-enforcers-of-the-social-taboo-but-it-exists-without-you-it-exists-within-peoples-minds-whether-other-peopl/</loc><lastmod>2024-03-19T18:20:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/12/a-cape-value-of-34-is-always-a-very-shaky-thing-let-people-tell-the-truth-about-what-the-peer-reviewed-research-says-and-that-cape-value-collapses-so-there-need-to-be-very-very-tight-restrictions/</loc><lastmod>2024-03-19T18:30:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/13/research-is-not-self-executing/</loc><lastmod>2024-03-19T18:36:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/14/buy-and-hold-hurts-everyone-and-helps-no-one/</loc><lastmod>2024-03-23T09:53:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/17/valuation-informed-indexing-699-the-idea-that-valuation-informed-market-timing-is-not-required-is-reinforced-each-time-the-non-adjusted-stock-price-is-quoted/</loc><lastmod>2024-03-26T12:06:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/18/the-price-of-stocks-will-change-once-we-begin-permitting-discussion-of-the-research/</loc><lastmod>2024-03-30T20:30:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/19/we-can-all-enjoy-annual-returns-of-6-5-percent-real-without-permitting-any-irrational-exuberance-whatsoever/</loc><lastmod>2024-03-30T20:39:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/20/the-only-thing-that-i-would-suppress-is-abusive-stuff/</loc><lastmod>2024-04-01T10:17:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/21/the-vast-majority-of-buy-and-holders-possibly-every-last-one-of-them-believe-that-buy-and-hold-is-best/</loc><lastmod>2024-04-01T10:26:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/24/that-explains-why-i-am-banned-at-every-large-investing-site-i-never-had-any-success-convincing-people-makes-sense/</loc><lastmod>2024-04-01T10:32:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/25/valuation-informed-indexing-700-can-investors-be-both-rational-and-emotional-at-the-same-time/</loc><lastmod>2024-04-03T17:52:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/26/im-willing-to-listen-to-anyone-who-makes-a-case-that-the-greaney-retirement-study-does-possess-a-valuation-adjustment-no-one-has-done-that-in-the-first-22-years-of-discussions/</loc><lastmod>2024-04-03T18:08:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/27/those-were-real-people-who-posted-at-the-motley-fool-board-and-who-thought-that-the-greaney-study-was-legitimate/</loc><lastmod>2024-04-04T17:53:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/06/28/i-believe-that-so-long-as-my-opinion-was-represented-in-every-discussion-over-time-we-would-see-more-people-coming-around-to-support-my-opinion-theres-only-one-way-to-find-out-for-sure/</loc><lastmod>2024-04-04T18:05:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/01/valuation-informed-indexing-701-there-is-both-huge-support-for-and-huge-opposition-to-valuation-based-market-timing/</loc><lastmod>2024-04-10T19:20:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/02/i-am-not-able-to-think-of-another-case-where-things-are-sufficiently-open-that-we-have-a-mountain-of-evidence-that-an-existing-model-is-false-while-not-permitting-the-new-model-to-be-openly-discusse/</loc><lastmod>2024-04-10T19:55:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/03/just-about-everyone-in-the-field-agrees-on-the-basics-they-are-just-afraid-to-say-it/</loc><lastmod>2024-04-10T20:04:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/04/i-am-not-aware-of-a-single-expert-who-says-that-the-greaney-retirement-study-contains-a-valuation-adjustment-full-truth-be-told-i-cannot-recall-greaney-himself-ever-saying-precisely-that/</loc><lastmod>2024-04-10T20:19:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/05/shiller-was-awarded-a-nobel-prize-for-his-research-so-his-research-must-have-showed-us-something-about-stock-investing-that-we-did-not-know-before-shiller-published-it-what-is-that-something-i-ha/</loc><lastmod>2024-04-14T19:47:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/08/when-it-gets-into-the-thousands-it-is-beyond-irritating-it-means-people-have-seen-it-and-answered-it-so-many-times/</loc><lastmod>2024-04-14T19:57:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/09/once-we-got-the-greaney-study-corrected-it-was-my-intention-to-take-the-discussion-to-every-site-on-the-internet-and-determine-what-it-is-within-us-that-makes-us-want-to-deceive-ourselves-as-to-how/</loc><lastmod>2024-04-14T20:07:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/10/you-are-too-impressed-by-the-small-number-of-times-that-a-high-risk-withdrawal-rate-has-survived/</loc><lastmod>2024-04-14T20:17:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/11/we-know-some-things-and-we-do-not-know-some-other-things-we-should-say-the-things-we-know-and-avoid-saying-the-things-we-do-not-know/</loc><lastmod>2024-04-14T20:24:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/12/valuation-informed-indexing-702-we-know-little-about-how-irrational-exuberance-works/</loc><lastmod>2024-04-18T18:39:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/15/the-normal-thing-would-be-to-ignore-me-and-to-permit-others-to-engage-in-whatever-discussions-with-me-that-they-want-to-engage-in-but-the-entire-thought-that-valuations-might-affect-long-term-retur/</loc><lastmod>2024-04-18T19:53:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/16/there-has-never-been-a-buy-and-hold-crisis-in-fact-buy-and-hold-has-always-worked-we-have-a-market-timing-crisis-where-people-get-in-and-out-of-the-market-and-cause-chaos/</loc><lastmod>2024-04-18T20:01:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/17/i-have-never-heard-a-buy-and-holder-make-the-case-that-shiller-is-wrong-they-ignore-him-they-have-not-changed-their-investing-practices-in-any-way-as-a-result-of-the-publication-of-his-amazing-res/</loc><lastmod>2024-04-20T16:20:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/18/valuation-informed-indexing-703-the-arc-of-history-in-stock-investing-bends-toward-rationality/</loc><lastmod>2024-04-23T17:50:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/19/valuation-informed-indexing-704-is-valuation-based-market-timing-really-market-timing/</loc><lastmod>2024-04-30T19:56:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/22/it-is-my-strongly-held-view-that-valuations-are-the-most-important-factor-in-retirement-safety-because-of-how-they-affect-that-vulnerable-period-the-first-10-years-of-the-retirement/</loc><lastmod>2024-04-30T20:57:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/23/i-of-course-appreciate-the-huge-short-term-marketing-benefits-of-recommending-a-pure-get-rich-quickbuy-and-hold-strategy-but-i-dont-see-the-investment-advice-field-as-being-solely-about-what-tur/</loc><lastmod>2024-05-08T18:32:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/24/valuation-informed-indexing-705-the-paradoxes-of-investor-emotiom/</loc><lastmod>2024-05-08T19:46:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/25/valuation-informed-indexing-706-bull-markets-are-hard-to-pull-off/</loc><lastmod>2024-05-17T12:31:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/26/valuation-informed-indexing-707-recognizing-that-some-stock-gains-are-a-negative-requires-a-big-psychological-shift/</loc><lastmod>2024-05-23T19:32:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/29/valuation-informed-indexing-708-only-a-combination-of-fundamental-and-technical-analysis-makes-complete-sense/</loc><lastmod>2024-05-29T18:27:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/30/valuation-informed-indexing-709-getting-the-stock-price-wrong-is-never-a-positive-its-always-a-big-negative/</loc><lastmod>2024-06-05T15:58:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/07/31/valuation-informed-indexing-710-practicing-valuation-based-market-timing-permits-an-investor-to-go-with-higher-stock-allocations/</loc><lastmod>2024-06-13T17:16:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/01/valuation-informed-indexing-711-irrational-exuberance-would-buy-and-hold-exist-without-it/</loc><lastmod>2024-07-25T20:44:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/02/valuation-informed-indexing-712-your-stock-investing-strategy-should-be-simple-but-not-too-simple/</loc><lastmod>2024-07-25T20:51:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/05/i-make-an-adjustment-for-irrational-exuberance-and-you-dont-i-would-say-that-you-are-the-one-who-doesnt-understand-how-stock-investing-works/</loc><lastmod>2024-07-29T18:24:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/06/if-buy-and-hold-were-a-real-thing-the-buy-and-holders-would-be-happy-to-hear-challenges-to-their-way-of-thinking-about-how-stock-investing-works/</loc><lastmod>2024-07-29T18:31:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/07/the-success-of-your-detractors-and-the-failure-of-your-own-retirement-speaks-volumes/</loc><lastmod>2024-07-29T18:40:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/08/can-you-buy-groceries-with-your-opinion-of-the-peer-reviewed-research/</loc><lastmod>2024-07-29T18:49:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/09/if-i-dont-like-it-i-can-go-to-their-competition-make-my-cheeseburger-at-home-or-not-buy-a-cheeseburger-at-all-what-youre-doing-is-like-not-buying-the-cheeseburger-and-getting-mad-at-everyone/</loc><lastmod>2024-07-29T19:04:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/12/in-the-stock-market-the-person-who-is-overcharged-for-the-stocks-he-is-buying-likes-it/</loc><lastmod>2024-08-01T19:16:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/13/stocks-are-an-amazing-choice-right-now/</loc><lastmod>2024-08-01T19:27:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/14/i-went-to-the-grocery-store-today-when-i-went-to-check-out-the-cashier-asked-me-for-my-peer-reviewed-research-papers-to-pay-for-the-groceries/</loc><lastmod>2024-08-01T19:37:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/15/should-we-say-that-only-rob-bennett-decides-what-the-peer-reviewed-research-says/</loc><lastmod>2024-08-01T19:45:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/16/it-defies-common-sense-to-believe-that-there-is-no-price-at-which-stocks-are-not-worth-buying-i-view-that-claim-as-a-marketing-gimmick-it-cant-be-true-so-i-personally-very-much-doubt-that-it-is/</loc><lastmod>2024-08-01T19:53:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/19/most-people-are-intimidated-by-the-subject-of-stock-investing/</loc><lastmod>2024-08-01T20:08:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/20/i-dont-believe-that-you-have-a-mental-illness-but-i-do-believe-that-you-suffer-from-irrational-exuberance-its-a-form-of-addiction-i-believe-that-the-primary-focus-of-investment-advice-should/</loc><lastmod>2024-08-01T20:23:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/21/i-agree-with-you-that-many-more-used-the-trinity-and-bengen-studies-i-would-of-course-like-to-see-those-studies-corrected-as-well-it-would-have-been-easy-to-get-those-studies-corrected-once-we-had/</loc><lastmod>2024-08-02T17:21:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/22/there-is-not-a-single-reference-to-safe-withdrawal-rates-in-shillers-paper/</loc><lastmod>2024-08-02T17:29:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/23/lets-say-that-the-next-20-years-are-the-same-as-the-past-20-years-in-that-no-one-believes-your-story-no-crash-happens-you-are-still-broke-etc-will-you-then-admit-you-wasted-all-your-ti/</loc><lastmod>2024-08-02T17:38:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/26/that-part-is-hard-to-write-it-involves-being-somewhat-critical-of-my-readers-generally-not-a-great-promotional-strategy/</loc><lastmod>2024-08-02T17:47:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/27/shiller-does-not-say-what-you-say-you-throw-his-name-around-because-you-think-it-somehow-gives-you-credibility-it-does-not-it-is-shillers-work-not-your-work-if-there-is-some-kind-o/</loc><lastmod>2024-08-02T17:55:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/28/who-cares-what-you-say-it-is-not-your-work-and-you-are-not-an-expert/</loc><lastmod>2024-08-02T18:00:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/29/doing-something-about-the-intimidation-tactics-would-take-the-fraud-element-out-of-it-thats-the-big-thing-i-would-recommend-down-the-line-that-mutual-fund-companies-provide-both-the-official-num/</loc><lastmod>2024-08-02T18:51:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/08/30/no-one-needs-a-reason-to-ban-you-or-anyone-else-from-their-website/</loc><lastmod>2024-08-03T19:09:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/02/what-you-want-is-for-all-the-sites-in-the-world-to-be-open-to-your-posts-so-that-you-can-increase-your-popularity-your-ambition-is-to-be-one-of-the-leading-if-not-the-top-investment-experts-in-th/</loc><lastmod>2024-08-03T19:42:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/03/rob-bernstein-stated-in-his-book-that-the-safe-withdrawal-rate-at-the-top-of-the-bubble-was-2-percent-not-4-percent-buy-and-hold-goon-no-he-didnt-here-is-what-he-actually-said/</loc><lastmod>2024-08-03T19:49:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/04/greaneys-false-claim-that-a-4-percent-withdrawal-is-always-100-percent-safe-encouraged-complacency-about-valuations/</loc><lastmod>2024-08-03T20:02:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/05/for-your-own-good-you-should-be-locked-up-in-a-mental-hospital/</loc><lastmod>2024-08-03T20:46:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/06/bogleheads-is-private-property-they-have-a-right-to-ban-you-for-any-reason/</loc><lastmod>2024-08-03T21:00:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/09/its-the-most-important-public-policy-issue-of-our-day-on-pure-substance-terms-there-are-more-important-matters-the-polarization-of-political-views-the-war-in-ukraine-climate-change-the-unres/</loc><lastmod>2024-08-03T21:09:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/10/i-think-bogleheads-matters-a-great-deal-a-significant-percentage-of-the-material-in-my-book-is-rooted-in-things-i-learned-by-interacting-with-lots-of-smart-people-at-bogleheads/</loc><lastmod>2024-08-03T21:16:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/11/if-i-risk-adjust-the-philadelphia-phillies-they-have-only-won-40-games-this-year-not-62-games/</loc><lastmod>2024-08-03T21:27:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/12/lifetime-outcomes-are-what-matter-to-me/</loc><lastmod>2024-08-03T21:33:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/13/every-buy-and-hold-crisis-that-we-have-experienced-in-u-s-history-has-been-a-terrifying-experience-its-not-a-sane-choice-to-just-continue-to-experience-them-now-when-there-is-43-years-of-peer-re/</loc><lastmod>2024-08-03T21:42:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/16/stocks-have-been-mispriced-for-28-years-with-the-exception-of-a-few-months-in-the-immediate-aftermath-of-the-2008-economic-crisis-thats-been-bad-for-each-and-every-one-of-us-when-stocks-are-mis/</loc><lastmod>2024-08-03T21:52:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/17/valuation-informed-indexing-713-we-need-to-fight-our-get-rich-quickurge/</loc><lastmod>2024-08-05T16:36:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/18/peer-reviewed-research-can-be-such-a-bore-you-know/</loc><lastmod>2024-08-05T16:41:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/19/the-words-valuations-affect-long-term-returns-signify-something-we-all-need-to-be-talking-about-what-those-words-signify-they-signify-that-the-old-way-of-thinking-about-stocks-that-valuation/</loc><lastmod>2024-08-05T16:52:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/20/the-feeling-among-buy-and-holders-is-if-no-one-talks-about-shillers-amazing-research-findings-its-just-as-if-those-research-findings-dont-exist/</loc><lastmod>2024-08-08T19:09:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/23/lifetime-outcomes-matter-not-moment-in-time-outcomes/</loc><lastmod>2024-08-08T19:14:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/24/youre-not-adjusting-for-the-effect-of-irrational-exuberance-you-have-made-that-same-mistake-in-every-comment-you-have-advanced-during-the-first-22-years-of-the-discussions/</loc><lastmod>2024-08-08T19:20:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/25/either-irrational-exuberance-is-a-thing-or-it-is-not-if-it-is-a-thing-its-something-that-we-should-be-taking-into-consideration-in-every-discussion-about-stock-investing-in-which-we-participate/</loc><lastmod>2024-08-08T19:31:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/26/so-what-you-are-saying-is-that-we-buy-and-holders-might-have-to-take-a-few-less-european-vacations-or-might-have-to-do-wwthout-our-3rd-vacation-property-or-might-not-be-able-to-trade-in-our-s-clas/</loc><lastmod>2024-08-08T19:39:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/27/valuation-informed-indexing-714-how-long-will-stocks-remain-undervalued-once-prices-drop-below-fair-value-levels/</loc><lastmod>2024-08-20T15:10:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/09/30/you-are-broke-who-got-the-numbers-wrong/</loc><lastmod>2024-08-20T15:22:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/01/we-all-know-what-the-stock-price-is-and-make-our-choice-to-buy-it-or-not-buy-it-if-you-dont-like-the-price-it-is-simple-just-dont-buy-it/</loc><lastmod>2024-08-20T15:32:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/02/you-cannot-buy-groceries-with-your-theories-but-i-could-buy-groceries-with-my-market-gains/</loc><lastmod>2024-08-20T15:57:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/03/buy-and-hold-is-a-marketing-gimmick/</loc><lastmod>2024-08-20T16:05:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/04/some-people-have-been-waiting-since-the-mid-90s-for-stocks-to-be-cheap-enough-in-their-opinion-to-buy/</loc><lastmod>2024-08-20T16:12:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/07/it-is-the-lack-of-confidence-that-is-typical-of-people-following-buy-and-hold-strategies-that-causes-bear-markets/</loc><lastmod>2024-08-20T16:18:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/08/we-can-never-know-the-market-price-for-stocks-until-we-permit-the-market-to-function-properly/</loc><lastmod>2024-08-20T16:47:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/09/the-problem-is-that-your-idea-of-fair-market-is-lower-than-other-peoples-therefore-they-wont-sell-to-you/</loc><lastmod>2024-08-20T17:18:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/10/valuation-informed-indexing-715-there-is-no-rational-case-to-be-made-for-buy-and-hold/</loc><lastmod>2024-08-27T17:08:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/11/practicing-price-discipline-when-buying-something-always-adds-it-can-never-subtract-anyone-who-tells-you-different-is-working-a-con/</loc><lastmod>2024-08-28T13:17:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/14/the-cape-value-would-have-to-fall-by-50-percent-just-to-get-to-fair-value-levels-to-suggest-that-a-50-percent-price-drop-would-be-a-bit-of-a-surprise-is-to-suggest-that-stocks-can-be-priced-higher/</loc><lastmod>2024-08-28T13:25:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/15/the-people-who-developed-the-buy-and-hold-concept-did-not-have-shillers-amazing-nobel-prize-winning-research-showing-that-valuations-affect-long-term-returns-available-to-them-when-they-were-doin/</loc><lastmod>2024-08-28T13:55:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/16/if-shiller-is-wrong-lets-find-that-out-lets-talk-about-it-and-identify-where-he-is-wrong-and-where-he-is-right/</loc><lastmod>2024-08-28T14:02:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/17/buy-and-hold-goon-to-rob-if-buy-and-holders-did-not-have-confidence-they-would-have-done-something-different/</loc><lastmod>2024-08-28T14:09:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/18/how-do-you-think-price-crashes-happen-millions-of-people-who-swore-on-a-hundred-bibles-that-they-will-always-hold-see-something-that-causes-their-inner-doubts-to-break-through-and-they-sell-like-ma/</loc><lastmod>2024-08-28T14:38:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/21/buy-and-hold-is-a-marketing-gimmick-people-would-be-better-off-being-satisfied-with-the-6-5-percent-real-return-that-is-supported-by-the-economic-realities/</loc><lastmod>2024-08-28T14:46:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/22/if-irrational-exuberance-is-a-real-thing-i-believe-that-it-is-then-theres-a-tight-connection-between-high-stock-prices-and-recessions/</loc><lastmod>2024-08-28T14:53:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/23/show-us-the-academic-studies-that-say-that-stock-prices-cause-recessions/</loc><lastmod>2024-08-28T14:59:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/24/one-of-the-things-that-has-kept-buy-and-hold-going-is-that-it-permits-the-people-hawking-it-to-bring-in-so-much-money-its-a-healthy-development-for-us-to-demonstrate-as-a-nation-of-people-that-it/</loc><lastmod>2024-08-28T15:57:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/25/the-greaney-study-has-not-been-corrected-to-this-day-todays-cape-value-is-36-those-two-realities-tell-the-tale/</loc><lastmod>2024-08-28T17:48:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/28/say-that-it-was-1965-and-someone-had-opposed-racism-for-45-years-and-yet-he-could-see-that-racism-was-still-a-big-problem-and-he-was-advised-to-give-up-the-battle-1965-was-not-the-time-to-be-giving/</loc><lastmod>2024-08-28T17:56:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/29/the-title-of-shillers-book-is-irrational-exuberance-2/</loc><lastmod>2024-08-28T18:03:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/30/theres-nothing-worse-than-someone-who-tells-the-truth-about-stock-investing-at-a-time-when-prices-are-insanely-inflated/</loc><lastmod>2024-08-28T18:10:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/10/31/i-predict-that-once-we-get-every-site-opened-to-honest-posting-re-the-research-we-will-go-from-10-percent-valuation-informed-indexers-to-20-percent-valuation-informed-indexers-in-six-months/</loc><lastmod>2024-08-28T18:16:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/01/valuation-informed-indexing-716-how-valuations-affect-long-term-returns-and-why-its-a-big-deal/</loc><lastmod>2024-09-05T14:42:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/04/they-speak-honestly-at-times-but-they-are-too-hesitant-about-it-for-the-message-to-break-through-to-people-who-very-much-want-to-believe-in-buy-and-hold-because-their-retirements-are-built-on-it/</loc><lastmod>2024-09-05T20:28:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/05/the-fact-that-4-percent-barely-survived-is-not-telling-you-that-a-4-percent-withdrawal-is-100-percent-safe-it-is-telling-you-that-it-is-high-risk/</loc><lastmod>2024-09-05T20:59:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/06/its-not-all-about-turning-a-quick-buck/</loc><lastmod>2024-09-16T18:30:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/07/no-one-even-claims-that-greaney-included-a-valuation-adjustment-in-his-study/</loc><lastmod>2024-09-16T18:38:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/08/what-you-wont-do-is-articulate-a-convincing-argument-as-to-why-you-think-it-should-contain-an-adjustment-because-that-would-take-analysis-and-thought/</loc><lastmod>2024-09-16T18:48:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/11/the-doctor-said-that-if-i-sincerely-believe-that-the-greaney-retirement-study-lacks-a-valuation-adjustment-i-need-to-be-locked-away-for-the-safety-of-society/</loc><lastmod>2024-09-16T18:54:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/12/its-for-the-people-of-the-united-states-to-decide-not-me-not-you/</loc><lastmod>2024-09-16T19:02:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/13/people-use-retirement-studies-to-plan-retirements/</loc><lastmod>2024-09-16T19:09:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/14/anyone-who-uses-greaneys-stuff-to-plan-their-retirement-did-fine/</loc><lastmod>2024-09-16T19:14:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/15/todays-cape-value-is-35-good-job-buy-and-holders/</loc><lastmod>2024-09-16T19:25:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/18/what-if-bogle-had-assured-pfau-that-he-would-take-care-of-lindauer-that-would-have-changed-the-world/</loc><lastmod>2024-09-16T19:31:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/19/its-like-telling-your-kid-that-he-cant-have-a-second-bowl-of-ice-cream-its-a-simple-and-yet-difficult-message-to-convey/</loc><lastmod>2024-09-16T19:41:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/20/there-is-a-reason-no-one-else-has-written-a-book-like-you-describe-it-is-because-it-is-a-bunch-of-hocomania-no-one-wants-to-waste-their-time-like-you-do/</loc><lastmod>2024-09-16T19:47:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/21/calling-your-readers-stupid-liars-is-not-the-conventional-path-to-journalism-success-but-to-tell-this-story-clearly-and-fully-and-accurately-its-something-that-must-be-said/</loc><lastmod>2024-09-16T21:31:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/22/we-should-be-talking-about-how-much-of-a-difference-valuations-make-on-a-daily-basis-at-every-site/</loc><lastmod>2024-09-16T21:42:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/25/i-dont-agree-even-a-tiny-bit-that-if-you-lower-your-stock-allocation-a-bit-and-then-prices-go-even-higher-you-have-somehow-missed-out-on-something-you-missed-out-on-having-more-irration/</loc><lastmod>2024-09-23T16:52:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/26/part-of-the-scientific-process-is-admitting-mistakes-as-they-are-discovered/</loc><lastmod>2024-09-23T17:10:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/27/valuation-informed-indexing-717-both-big-stock-market-gains-and-big-stock-market-losses-are-artificial/</loc><lastmod>2024-10-01T11:22:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/28/valuation-informed-indexing-718-the-more-frequently-irrational-exuberance-is-discussed-the-less-of-it-we-will-see/</loc><lastmod>2024-10-11T11:11:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/11/29/youre-not-adjusting-for-irrational-exuberance-if-you-adjust-for-irrational-exuberance-you-get-very-different-numbers/</loc><lastmod>2024-10-15T19:58:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/02/adjusting-for-irrational-exuberance-doesnt-pay-the-bills-you-can-spend-all-day-every-day-adjusting-for-irrational-exuberance-and-that-wont-put-food-on-the-table-or-make-a-mortgage-or-rent/</loc><lastmod>2024-10-15T20:09:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/03/stocks-are-in-a-general-sense-a-better-choice-than-the-other-options-but-price-always-matters-no-matter-how-great-stocks-are-there-is-a-price-at-which-they-are-no-longer-the-best-option/</loc><lastmod>2024-10-15T20:19:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/04/it-is-irrational-exuberance-to-push-a-timing-scheme-that-has-never-worked-there-is-less-risk-going-with-a-strategy-that-has-always-worked-over-every-30-year-period-and-that-is-buy-and-hold-it-is/</loc><lastmod>2024-10-15T20:29:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/05/shillers-book-is-offered-in-libraries-all-across-the-nation-we-are-close/</loc><lastmod>2024-10-15T20:36:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/06/part-of-the-scientific-process-is-adopting-a-skeptical-attitude/</loc><lastmod>2024-10-15T20:42:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/09/no-one-can-determine-what-something-is-worth-unless-the-information-they-need-to-make-that-determination-is-available-to-them-once-a-ban-on-honest-posting-re-the-peer-reviewed-research-is-put-in-pl/</loc><lastmod>2024-10-15T20:50:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/10/i-see-that-cape-value-as-being-the-consequence-of-the-widespread-promotion-of-buy-and-hold-strategies/</loc><lastmod>2024-10-15T21:01:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/11/valuation-informed-indexing-719-irrational-exuberance-is-a-silent-killer-unless-someone-draws-attention-to-it-life-goes-on-as-if-it-doesnt-exist/</loc><lastmod>2024-10-21T18:08:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/12/buy-and-hold-investors-are-satisfied-getting-the-market-return/</loc><lastmod>2024-10-21T18:57:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/13/valuation-informed-indexing-720-buy-and-hold-is-a-thrill-ride/</loc><lastmod>2024-10-24T12:38:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/16/valuation-informed-indexing-721-buy-and-hold-destroys-wealth-but-only-very-slowly/</loc><lastmod>2024-10-30T15:58:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/17/valuation-informed-indexing-722-stock-markets-can-remain-irrational-for-a-long-time-but-we-can-change-that/</loc><lastmod>2024-11-07T20:27:18-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/18/valuation-informed-indexing-723-the-buy-and-holders-failed-to-distinguish-a-theory-from-a-finding/</loc><lastmod>2024-11-13T20:14:05-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/19/we-have-never-seen-a-buy-and-hold-failure-over-any-30-year-period-for-our-entire-history/</loc><lastmod>2024-11-18T21:27:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/20/we-follow-buy-and-hold-because-it-makes-money-it-has-always-worked-we-have-chosen-to-support-our-retirements-and-our-family-we-dont-want-to-play-any-silly-games/</loc><lastmod>2024-11-18T21:35:47-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/23/the-yankees-were-ahead-by-five-runs-at-one-time-in-yesterdays-world-series-game-if-someone-said-i-believe-that-theres-an-80-percent-chance-that-the-yankees-will-win-this-game-would-you-say/</loc><lastmod>2024-11-18T21:47:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/24/i-think-that-we-can-get-to-a-place-where-the-cape-stays-within-a-range-from-13-to-21-thats-not-ideal-but-its-a-lot-better-than-what-we-have-seen-in-recent-years-a-range-from-8-to-44-its-a/</loc><lastmod>2024-11-18T21:59:05-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/25/whats-your-interpretation-do-you-think-irrational-exuberance-is-a-good-thing-how-should-we-combat-it-in-your-assessment/</loc><lastmod>2024-11-18T22:05:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/26/an-investor-who-goes-with-60-percent-stocks-at-times-of-moderate-valuations-needs-to-be-at-90-percent-stocks-when-valuations-are-insanely-low-and-at-30-percent-stocks-when-valuations-are-insanely-hi/</loc><lastmod>2024-11-18T22:13:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/27/i-dont-think-that-it-is-possible-to-predict-what-withdrawal-rates-will-survive-the-best-that-you-can-do-is-to-assign-probabilities-to-various-different-possibilities-based-on-what-has-happened-i/</loc><lastmod>2024-11-18T22:24:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/30/the-greaney-study-hasnt-been-corrected-to-this-day-what-does-that-tell-you/</loc><lastmod>2024-11-18T22:30:25-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/12/31/valuation-informed-indexing-724-those-who-believe-valuations-matter-should-make-it-a-habit-to-challengeprovoke-buy-and-holders/</loc><lastmod>2024-11-19T21:37:44-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/01/valuation-informed-indexing-725-the-hardest-thing-about-following-research-based-investment-strategies-is-that-it-requires-acknowledging-human-fraility-which-is-a-scary-thing-to-do/</loc><lastmod>2024-11-27T09:27:47-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2024/01/02/valuation-informed-indexing-726-irrational-exuberance-is-a-form-of-inflation/</loc><lastmod>2024-12-03T19:50:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/02/valuation-informed-indexing-727-if-price-crashes-are-avoidable-we-should-work-hard-to-avoid-them/</loc><lastmod>2024-12-12T22:45:07-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/03/valuation-informed-indexing-728-irrational-exuberance-is-bad/</loc><lastmod>2024-12-18T19:35:56-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/09/people-are-not-naturally-inclined-to-practicing-valuation-based-market-timing-price-discipline-we-all-want-something-for-nothing-we-all-love-the-get-rich-quickbuy-and-hold-stuff-to-stop-bull/</loc><lastmod>2025-01-08T20:06:57-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/10/the-fact-that-there-is-even-one-person-who-believes-that-it-is-okay-that-greaney-failed-to-correct-his-study-within-24-hours-of-the-moment-he-learned-of-the-error-he-made-in-it-shows-beyond-any-reas/</loc><lastmod>2025-01-09T12:08:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/13/todays-cape-value-is-the-issue-there-could-never-be-a-cape-value-like-that-if-everyone-who-worked-in-the-field-stressed-at-all-times-how-important-it-is-to-keep-irrational-exuberance-under-contro/</loc><lastmod>2025-01-09T14:56:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/14/im-not-banned-because-no-one-wants-to-hear-what-i-have-to-say-im-banned-because-lots-of-people-want-to-hear-what-i-have-to-say-thats-the-threat/</loc><lastmod>2025-01-09T15:07:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/15/i-may-wish-that-market-price-to-be-half-what-it-currently-is-but-that-wish-wont-get-me-a-car-at-a-50-discount-from-the-market-price/</loc><lastmod>2025-01-09T15:14:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/16/it-is-not-rational-to-be-price-indifferent-re-stocks-in-a-world-in-which-valuations-affect-long-term-returns/</loc><lastmod>2025-01-09T15:36:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/17/the-market-would-find-the-proper-equilibrium-thats-what-we-should-all-want-to-see-happen-let-the-market-work/</loc><lastmod>2025-01-09T15:45:37-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/20/death-threats-and-demands-for-unjustified-board-bannings-and-acts-of-defamation-and-acts-of-extortion-obviously-affect-what-people-talk-about-on-all-the-boards-and-blogs-and-what-people-talk-about/</loc><lastmod>2025-01-09T15:55:47-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/21/i-read-shillers-book-it-doesnt-say-anything-about-market-timing-it-doesnt-say-anything-about-greaneys-study-it-doesnt-say-anything-about-broken-laws/</loc><lastmod>2025-01-09T16:09:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/22/if-irrational-exuberance-is-a-real-thing-the-safe-withdrawal-rate-cannot-possibly-be-the-same-number-at-all-times-its-got-to-be-a-lot-lower-at-times-when-irrational-exuberance-is-out-of-control/</loc><lastmod>2025-01-09T16:23:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/23/irrational-exuberance-is-the-cancer-of-the-personal-finance-realm-valuation-informed-indexing-is-the-cure/</loc><lastmod>2025-01-09T16:34:03-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/24/shillers-research-needs-to-be-discussed-on-a-daily-basis-not-in-one-thread-in-every-thread/</loc><lastmod>2025-01-09T16:43:35-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/27/you-cant-accept-that-your-arguments-never-got-any-traction-so-you-thought-if-instead-of-improving-your-arguments-you-would-simply-repeat-them-more-often-you-might-get-your-way/</loc><lastmod>2025-01-09T17:34:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/28/research-doesnt-always-take-you-where-you-thought-it-was-going-to-take-you/</loc><lastmod>2025-01-09T17:51:44-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/29/there-have-been-bubbles-since-long-before-anyone-thought-of-buy-and-hold/</loc><lastmod>2025-01-09T18:06:47-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/30/so-you-think-you-know-more-about-investing-than-blackstone-or-berkshire-really-comments-like-you-just-made-are-an-example-of-why-no-one-can-take-you-seriously/</loc><lastmod>2025-01-09T18:24:22-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/01/31/so-buy-and-holders-believe-in-buying-more-stocks-when-prices-are-low-but-not-in-buying-fewer-stocks-when-prices-are-high-makes-sense/</loc><lastmod>2025-01-09T18:35:44-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/03/you-cant-have-a-cape-value-of-38-unless-most-people-are-deceiving-themselves-about-how-stock-investing-works/</loc><lastmod>2025-01-09T18:43:40-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/04/board-owners-decided-for-themselves-just-like-you-do-as-to-what-they-will-allow-or-not-allow-on-their-website-just-as-you-block-people-they-can-block-you/</loc><lastmod>2025-01-09T18:53:08-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/05/valuation-informed-indexing-729-is-there-a-limit-to-how-long-a-bull-market-can-continue/</loc><lastmod>2025-01-09T19:07:20-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/06/the-buy-and-holders-do-not-say-that-shillers-nobel-prize-winning-research-is-in-error-thats-not-even-a-claim-that-is-on-the-table-so-it-should-be-open-to-discussion/</loc><lastmod>2025-01-19T19:05:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/07/it-means-it-the-greaney-retirement-study-never-needed-correction-and-that-it-has-been-explained-to-you-well-over-a-thousand-times/</loc><lastmod>2025-01-20T14:22:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/10/i-think-my-neighbors-house-is-50-too-high-in-price-he-needs-to-reduce-his-price-by-50-so-that-i-can-buy-it-at-that-level/</loc><lastmod>2025-01-20T14:31:32-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/11/do-you-believe-that-overvaluation-exists/</loc><lastmod>2025-01-20T14:36:17-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/12/we-all-want-to-invest-rationally-for-obvious-reasons-and-we-all-want-to-get-something-for-nothing-because-thats-a-universal-human-weakness-buy-and-hold-serves-the-second-desire-thats-why-it/</loc><lastmod>2025-01-20T14:49:34-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/13/i-certainly-do-not-believe-that-all-of-the-people-who-promote-buy-and-hold-are-knowingly-participating-in-a-conspiracy-the-vast-majority-believe-in-it-so-i-think-we-need-to-be-careful-how-we-state/</loc><lastmod>2025-01-20T15:01:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/14/i-am-grateful-to-valuewalk-for-running-my-column-on-valuation-informed-indedxing-as-long-as-they-did-its-been-going-for-15-years/</loc><lastmod>2025-01-20T15:24:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/17/its-an-unstable-situation-to-have-43-years-of-peer-reviewed-research-showing-that-the-dominant-investment-strategy-is-gravely-flawed-and-for-us-not-to-be-able-to-talk-about-this-at-even-a-single-l/</loc><lastmod>2025-01-20T15:34:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/18/the-primary-purpose-of-the-column-was-the-learning-experience-it-provided-i-wrote-over-700-columns-and-each-time-i-wrote-one-i-learned-some-tiny-thing-about-the-subject/</loc><lastmod>2025-01-20T15:41:07-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/19/have-you-ever-had-an-academic-researcher-who-was-so-impressed-by-your-stuff-that-he-elected-to-devote-16-months-of-his-life-to-researching-it-in-depth-and-then-concluded-that-it-all-checked-out-on/</loc><lastmod>2025-01-20T15:48:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/20/if-the-buy-and-holders-were-confident-in-their-strategy-they-would-want-to-find-out-what-wade-pfau-would-say-in-an-environment-in-which-there-were-no-intimidation-tactics-being-practiced-and-they/</loc><lastmod>2025-01-20T15:55:06-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/21/the-vii-strategy-came-out-ahead-about-90-percent-of-the-time-almost-always-by-hundreds-of-thousands-of-dollars-in-rare-cases-it-would-be-ahead-by-a-million-or-more-and-in-rare-cases-the-bh-strat/</loc><lastmod>2025-02-07T14:01:07-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/24/getting-the-numbers-right-in-retirement-studies-is-pretty-darn-important-there-should-be-100-percent-agreement-that-we-need-to-get-the-numbers-in-retirement-studies-right/</loc><lastmod>2025-02-07T14:23:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/25/saying-that-there-are-dangers-to-engaging-in-price-discipline-when-buying-something-is-absurd-the-vast-majority-of-people-practice-price-discipline-with-everything-they-buy-other-than-stocks/</loc><lastmod>2025-02-07T14:31:14-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/26/the-problem-is-that-the-advance-from-buy-and-hold-to-valuation-informed-indexing-is-very-big-they-are-entirely-different-ways-of-seeing-what-is-going-on-in-the-stock-market-people-need-to-ask-lots/</loc><lastmod>2025-02-07T14:50:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/27/if-you-goons-would-follow-the-published-rules-of-the-sites-i-am-confident-that-i-can-increase-the-percentage-of-the-population-that-follows-valuation-informed-stock-investing-strategies-from-10-per/</loc><lastmod>2025-02-07T14:56:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/02/28/the-extreme-isolation-that-you-are-referring-to-just-makes-me-feel-all-the-stronger-that-we-need-to-open-every-site-to-honest-posting-re-the-peer-reviewed-research-it-shows-how-messed-up-things-hav/</loc><lastmod>2025-02-07T15:04:02-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/03/the-title-of-the-book-is-irrational-exuberance-that-tells-you-what-you-need-to-know/</loc><lastmod>2025-02-07T15:12:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/04/shillers-research-wasnt-available-when-buy-and-hold-was-being-developed-in-the-1960s/</loc><lastmod>2025-02-07T15:21:27-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/05/has-anyone-ever-asked-you-to-say-that-the-greaney-study-contains-a-valuation-adjustment/</loc><lastmod>2025-02-07T15:27:03-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/06/i-exercise-price-discipline-every-time-i-buy-stocks-i-have-never-paid-a-cent-over-the-market-price/</loc><lastmod>2025-03-01T19:53:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/07/the-current-balance-is-the-current-worth-but-the-stability-of-that-value-is-determined-by-the-valuation-level/</loc><lastmod>2025-03-01T20:01:45-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/10/approximately-how-many-sites-do-you-think-you-have-opened-to-honest-posting-so-far/</loc><lastmod>2025-03-10T04:42:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/11/theres-no-large-site-today-that-permits-honest-posting-re-the-last-44-years-of-peer-reviewed-research/</loc><lastmod>2025-03-10T13:09:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/12/there-are-no-official-bans-on-honest-posting-anywhere-there-are-practical-bans-because-of-the-intimidation-effect-of-the-goon-tactics-and-because-of-the-complacency-of-the-normals-that-permits-it-t/</loc><lastmod>2025-03-10T13:50:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/13/there-was-a-time-when-we-didnt-know-that-valuation-based-market-timing-was-100-percent-required-for-every-investor-now-we-do-thats-been-so-for-44-years-now-but-we-have-not-changed-our-investm/</loc><lastmod>2025-03-10T14:02:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/14/if-buy-and-hold-were-a-sound-strategy-todays-cape-value-would-not-be-38/</loc><lastmod>2025-03-10T14:13:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/17/the-problem-is-human-nature/</loc><lastmod>2025-03-10T14:18:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/18/valuations-affect-the-result-so-valuations-need-to-be-considered/</loc><lastmod>2025-03-10T14:24:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/19/what-percentage-of-todays-stock-market-value-do-you-say-is-irrational-exuberance/</loc><lastmod>2025-03-10T14:34:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/20/i-say-that-my-account-is-worth-what-it-shows-on-the-balance-line-i-can-spend-it-right-now-and-buy-whatever-i-want-for-that-amount/</loc><lastmod>2025-03-10T14:41:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/21/the-normal-thing-is-to-discuss-research-once-it-is-published-pretending-that-shillers-research-doesnt-exist-is-what-causes-the-problem/</loc><lastmod>2025-03-10T14:48:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/24/the-entire-point-of-doing-research-is-to-learn-new-things/</loc><lastmod>2025-03-16T18:30:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/25/the-primary-effect-of-buy-and-hold-is-to-take-peoples-attention-away-from-the-most-important-factor-affecting-long-term-stock-investing-success-valuations/</loc><lastmod>2025-03-16T18:37:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/26/you-need-either-to-point-to-the-page-in-the-greaney-retirement-study-containing-a-valuation-adjustment-or-join-me-in-insisting-that-he-correct-the-error-immediately/</loc><lastmod>2025-03-16T18:45:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/27/greaneys-behavior-in-response-to-my-post-of-may-13-2002-speaks-volumes/</loc><lastmod>2025-03-16T18:50:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/28/once-adjusted-numbers-appear-on-portfolio-statements-below-the-official-numbers-the-gap-between-the-adjusted-numbers-and-the-official-numbers-will-diminish/</loc><lastmod>2025-03-23T15:31:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/03/31/do-you-believe-that-irrational-exuberance-exists/</loc><lastmod>2025-03-23T16:46:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/01/we-agree-that-the-way-to-determine-value-is-to-see-how-the-market-values-the-thing-the-problem-in-the-stock-market-is-that-honest-posting-re-the-last-44-years-of-peer-reviewed-research-is-banned-at/</loc><lastmod>2025-03-23T16:56:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/02/if-you-dont-think-that-shillers-research-shows-that-valuations-affect-long-term-returns-what-do-you-think-it-shows/</loc><lastmod>2025-03-23T18:25:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/03/please-tell-me-how-shillers-research-showing-that-valuations-affect-long-term-returns-has-changed-how-you-invest-in-stocks/</loc><lastmod>2025-03-23T18:32:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/04/investing-matters-saving-matters-too-maybe-more-but-in-the-final-analysis-investing-matters-as-well/</loc><lastmod>2025-03-28T17:27:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/07/you-have-been-widely-banned-that-speaks-volumes-you-have-been-widely-ignored-that-speaks-volumes-you-are-broke-that-speaks-volumes-your-wife-divorced-you-that-speaks-volumes/</loc><lastmod>2025-03-28T17:33:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/08/i-have-put-forward-general-time-frames-in-which-i-said-i-believed-the-price-crash-would-come-those-predictions-did-indeed-fail/</loc><lastmod>2025-03-28T22:04:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/09/you-can-see-the-results-of-regular-promotion-of-buy-and-hold-by-running-a-google-search-for-shiller-cape-that-cape-value-will-become-a-logical-impossibility-once-we-open-every-internet-site-to/</loc><lastmod>2025-04-06T09:04:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/10/people-use-retirement-studies-to-plan-retirements-2/</loc><lastmod>2025-04-06T09:11:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/11/do-you-have-a-different-opinion-of-how-shiller-changed-our-understanding-of-stock-investing-he-was-awarded-a-nobel-prize-he-must-have-showed-something-of-significance/</loc><lastmod>2025-04-06T09:19:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/14/shiller-merely-reinforced-what-we-already-knew-he-told-us-that-we-should-not-try-to-time-the-market-with-cape-too-bad-you-didnt-listen/</loc><lastmod>2025-04-06T09:32:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/15/all-of-the-numbers-you-talk-about-are-not-adjusted-for-irrational-exuberance-if-you-make-the-adjustment-valuation-informed-indexing-has-been-doing-better-than-buy-and-hold-for-150-years-now-if-yo/</loc><lastmod>2025-04-06T09:45:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/16/announcement-of-the-tariffs-would-have-caused-a-price-drop-in-any-event-but-when-stocks-are-priced-at-two-times-their-real-value-the-price-drop-is-much-larger/</loc><lastmod>2025-04-06T09:55:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/17/fair-value-is-what-the-market-determines/</loc><lastmod>2025-04-06T10:01:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/18/everyone-has-access-to-all-the-information-you-just-dont-like-the-opinions-of-others/</loc><lastmod>2025-04-06T10:06:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/21/lets-say-that-shiller-changes-his-mind-and-tells-people-that-we-should-time-the-market-with-cape-and-then-he-gets-rich-from-people-buying-his-books-with-this-new-message/</loc><lastmod>2025-04-06T10:13:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/22/it-would-be-one-thing-if-the-buy-and-holders-just-got-the-thing-about-valuation-based-market-timing-wrong-people-make-mistakes-it-happens-it-is-something-else-altogether-to-insist-that-because-y/</loc><lastmod>2025-04-11T18:00:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/23/opening-every-site-to-honest-posting-re-the-peer-reviewed-research-will-solve-the-problem-investing-will-become-a-more-rational-endeavor-so-prices-will-correct-quickly/</loc><lastmod>2025-04-12T19:43:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/24/peer-reviewed-research-gets-you-outside-of-your-own-emotions/</loc><lastmod>2025-04-12T19:51:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/25/shiller-added-to-our-knowledge-of-this-subject-in-some-way-what-is-it-what-did-he-do-i-think-he-showed-that-valuations-affect-long-term-returns-if-you-think-something-different-you-should-be-ab/</loc><lastmod>2025-04-12T20:01:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/28/those-29-years-were-not-good-years-for-stock-owners/</loc><lastmod>2025-04-26T12:04:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/29/people-love-exploring-the-issues-people-hate-the-abusiveness-that-the-buy-and-hold-goons-bring-to-the-table/</loc><lastmod>2025-04-26T12:34:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/04/30/we-all-agree-that-4-percent-always-survived-in-the-past/</loc><lastmod>2025-04-26T12:44:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/01/in-the-only-actual-returns-sequence-that-happened-from-1929-onwards-4-survived/</loc><lastmod>2025-04-26T12:51:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/02/if-buy-and-hold-were-a-real-thing-all-buy-and-holders-would-welcome-challenges-to-it/</loc><lastmod>2025-04-26T12:59:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/05/if-you-didnt-think-that-there-is-a-huge-market-for-honest-accurate-research-based-investment-advice-you-wouldnt-have-devoted-the-last-23-years-of-your-life-to-suppressing-discussion-of-the-la/</loc><lastmod>2025-04-26T13:06:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/06/the-leverage-here-is-completely-off-the-charts-2/</loc><lastmod>2025-04-26T13:14:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/07/one-time-i-asked-if-i-could-stay-at-his-house-for-a-few-days-and-his-response-was-that-he-would-impose-only-one-condition-that-i-promise-not-to-talk-about-stock-investing/</loc><lastmod>2025-04-26T13:22:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/08/persuading-people-has-never-been-a-problem/</loc><lastmod>2025-04-26T13:29:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/09/the-buy-and-holders-are-the-majority-and-its-not-even-a-close-call-but-you-goons-are-outliers/</loc><lastmod>2025-04-26T13:36:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/12/its-a-painful-experience-to-tell-the-truth-about-stock-investing-thats-why-so-few-do-it/</loc><lastmod>2025-04-26T13:43:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/13/improper-prices-cause-people-to-make-poor-financial-planning-choices-so-we-have-seen-more-poor-financial-planning-in-recent-years-than-at-any-earlier-time-in-u-s-history/</loc><lastmod>2025-04-26T13:51:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/14/can-someone-tell-me-what-the-primary-mission-is-of-this-website/</loc><lastmod>2025-04-29T17:28:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/15/most-people-need-the-discipline-to-practice-valuation-based-market-timing-that-is-hard-it-goes-against-human-nature/</loc><lastmod>2025-04-29T17:34:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/16/the-thing-that-a-jury-will-look-at-in-determining-the-length-of-a-prison-sentence-is-whether-there-was-an-intent-to-suppress-discussion-of-the-far-reaching-how-to-implications-of-the-last-44-years-o/</loc><lastmod>2025-04-29T17:43:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/19/we-all-have-a-get-rich-quickbuy-and-hold-urge-residing-within-us-its-been-causing-bull-markets-and-economic-collapses-so-long-as-there-has-been-a-stock-market/</loc><lastmod>2025-05-17T15:01:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/20/i-pointed-out-the-error-in-the-greaney-retirement-study-on-the-morning-of-may-13-2002-it-lacks-a-valuation-adjustment-it-hasnt-been-corrected-to-this-day-please-explain/</loc><lastmod>2025-05-17T15:48:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/21/when-people-can-earn-as-much-promoting-research-based-strategies-as-they-can-promoting-the-get-rich-quickbuy-and-hold-stuff-the-world-will-be-a-better-place-for-all-of-us/</loc><lastmod>2025-05-17T16:39:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/22/i-think-i-should-be-paid-millions-for-being-a-professional-actor-unfortunately-no-one-wants-to-pay-me-for-being-an-actor-as-such-i-found-work-that-i-could-do-that-people-said-they-would-be-wil/</loc><lastmod>2025-05-17T16:47:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/23/what-it-all-really-comes-down-to-is-emotion-vs-reason/</loc><lastmod>2025-05-17T16:57:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/26/no-one-has-ever-claimed-it-the-greaney-retirement-study-has-an-adjustment-what-we-have-said-is-that-it-doesnt-need-an-adjustment-and-that-has-been-explained-to-you-hundreds-of-thousands/</loc><lastmod>2025-05-17T17:05:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/27/buy-and-hold-is-completely-superior-to-any-market-timing-scheme/</loc><lastmod>2025-05-17T17:10:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/28/how-long-have-you-been-seeing-a-therapist-has-it-been-helping/</loc><lastmod>2025-05-17T17:17:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/29/to-say-that-i-am-an-expert-is-to-say-that-the-peer-reviewed-research-is-an-expert/</loc><lastmod>2025-05-17T17:24:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/05/30/when-an-idea-is-discredited-by-new-research-that-doesnt-mean-that-the-people-who-came-up-with-the-discredited-idea-were-dumb-it-means-that-the-humans-did-not-come-to-planet-earth-with-a-manual-t/</loc><lastmod>2025-05-17T17:34:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/06/02/price-discipline-works-for-every-investor-who-employs-it-its-impossible-for-the-rational-human-mind-to-imagine-any-exceptions-to-that-rule/</loc><lastmod>2025-05-17T17:41:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/06/12/im-not-the-one-who-permitted-the-cape-value-to-rise-to-37-that-was-the-buy-and-holders-that-number-suggests-that-it-is-todays-stock-market-that-needs-a-therapist/</loc><lastmod>2025-06-12T09:14:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/06/13/buy-and-hold-is-not-based-on-research-wade-pfau-devoted-16-months-of-his-life-to-the-project-of-trying-to-find-one-iota-of-research-showing-that-valuation-based-market-timing-price-discipline-is/</loc><lastmod>2025-06-11T17:50:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/06/16/the-buy-and-hold-team-has-failed-for-23-years-to-insist-that-the-greaney-retirement-study-be-corrected-the-object-of-the-game-is-not-to-avoid-admitting-that-you-ever-got-anything-wrong-the-object/</loc><lastmod>2025-06-12T19:12:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/06/17/buy-and-hold-fails-every-time-there-is-a-change-in-valuations-and-there-is-an-investor-who-fails-to-change-his-stock-allocation/</loc><lastmod>2025-06-12T19:19:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/06/18/you-are-broke-you-are-divorced-you-got-everything-wrong-take-responsibility-and-stop-blaming-everyone-else/</loc><lastmod>2025-06-12T19:25:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/06/19/the-thing-that-is-really-off-in-the-investment-advice-field-is-that-the-non-experts-the-people-who-will-be-suffering-huge-losses-in-the-event-that-the-stock-market-continues-to-pe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-research-and-follow-a-buy/</loc><lastmod>2025-07-03T16:18:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/21/irrational-exuberance-whats-irrational-exuberance/</loc><lastmod>2025-07-03T16:24:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/22/there-is-no-way-that-people-can-keep-sitting-around-for-decades-more-to-see-if-your-vii-strategy-finally-works-they-need-to-go-with-a-system-that-has-always-worked-buy-and-hold-has-worked-over-eve/</loc><lastmod>2025-07-03T16:38:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/23/is-there-any-way-to-mess-up-such-a-great-asset-class-you-could-encourage-investors-to-push-prices-up-so-high-that-you-turn-that-6-5-percent-return-into-a-negative-number-thats-what-the-buy-and-h/</loc><lastmod>2025-07-03T16:45:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/24/say-that-someone-eats-three-ice-cream-sundaes-for-dinner-seven-nights-a-week-and-for-a-long-time-he-lives-then-at-age-45-he-has-a-massive-heart-attack-and-dies-do-you-say-that-his-diet-worked-for/</loc><lastmod>2025-07-03T16:53:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/25/if-the-4-percent-rule-goes-down-the-entire-buy-and-hold-strategy-goes-down/</loc><lastmod>2025-07-07T19:44:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/28/everyone-knows-that-greaney-made-an-error-you-know-that-if-you-believed-that-his-study-contained-a-valuation-adjustment-your-next-post-would-contain-a-link-to-the-page-in-the-study-containing-it/</loc><lastmod>2025-07-07T19:52:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/29/if-we-decide-as-a-nation-of-people-in-the-wake-of-the-next-buy-and-hold-crisis-that-we-would-like-to-bring-an-end-to-bull-markets-and-bear-markets-and-economic-crises-the-last-44-years-of-peer-revi/</loc><lastmod>2025-07-07T19:59:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/30/i-believe-that-we-are-fundamentally-a-good-people-and-i-believe-that-we-have-made-enormous-progress-in-our-effort-to-discover-the-realities-of-stock-investing/</loc><lastmod>2025-07-07T20:07:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/07/31/theres-a-reason-why-those-who-promote-buy-and-hold-dont-want-to-see-the-last-44-years-of-peer-reviewed-research-discussed-on-the-internet/</loc><lastmod>2025-07-07T21:29:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/01/buy-and-hold-is-a-marketing-gimmick-it-suggests-that-irrational-exuberance-gains-are-as-real-as-gains-tooted-in-genuine-economic-growth/</loc><lastmod>2025-07-17T16:39:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/04/can-you-buy-your-groceries-with-your-opinions-on-the-peer-reviewed-research/</loc><lastmod>2025-07-17T16:57:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/05/if-shillers-research-had-been-available-at-the-time-buy-and-hold-was-being-developed-the-buy-and-holders-never-would-have-suggested-that-market-timing-isnt-always-required/</loc><lastmod>2025-07-17T17:05:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/06/say-that-someone-told-you-that-his-approach-to-buying-a-car-was-going-to-be-to-go-to-the-nearest-dealership-and-pay-whatever-price-they-were-asking-without-spending-one-moment-looking-into-the-quest/</loc><lastmod>2025-07-17T17:14:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/07/are-you-able-to-imagine-any-circumstance-in-which-failing-to-exercise-price-discipline-would-not-make-a-failed-retirement-at-least-a-little-bit-more-likely/</loc><lastmod>2025-07-17T18:16:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/08/if-you-want-to-call-it-risk-management-rather-than-market-timing-im-fine-with-that-the-important-thing-is-that-stock-investing-risk-is-not-constant-but-variable/</loc><lastmod>2025-07-17T18:27:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/11/high-valuations-certainly-signify-a-price-drop-at-some-time-in-the-future-but-i-have-never-seen-any-evidence-that-the-time-at-which-this-price-drop-will-occur-can-be-known-in-advance-i-dont-thin/</loc><lastmod>2025-07-17T18:35:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/12/do-you-consider-it-staying-the-course-to-stick-with-the-same-stock-allocation-when-valuations-change-dramatically/</loc><lastmod>2025-07-17T18:43:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/13/price-discipline-is-what-makes-markets-work-in-the-stock-market-price-discipline-is-achieved-through-market-timing-twisting-ones-self-into-a-pretzel-to-ignore-the-obvious-solution-to-a-pressing/</loc><lastmod>2025-07-17T18:53:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/14/gee-why-did-i-follow-the-old-system-i-am-now-burdened-with-millions-of-dollars-when-i-could-have-followed-the-new-system-and-be-broke-like-rob-bennett-silly-me/</loc><lastmod>2025-07-17T19:00:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/15/in-ordinary-circumstances-there-would-be-no-need-for-me-to-take-on-this-work-there-would-be-universal-agreement-that-posting-re-the-peer-reviewed-research-would-be-permitted-the-first-23-years-of/</loc><lastmod>2025-07-17T19:09:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/18/if-buy-and-holders-believe-that-buy-and-hold-cannot-survive-without-abusive-posting-thats-a-huge-story-in-itself/</loc><lastmod>2025-07-17T19:15:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/19/if-buy-and-hold-was-a-real-thing-there-never-would-have-been-a-single-abusive-post-you-would-be-able-to-accept-it-that-there-are-people-in-the-world-who-have-different-views-than-yours-re-how-stoc/</loc><lastmod>2025-07-19T13:01:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/25/irrational-exuberance-gains-are-the-stock-investing-equivalent-of-empty-calories/</loc><lastmod>2025-08-25T14:21:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/26/do-you-think-it-would-have-been-better-if-i-had-kept-it-zipped-re-the-error-in-the-greaney-retirement-study-it-lacks-a-valuation-adjustment/</loc><lastmod>2025-08-25T14:28:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/27/you-either-believe-that-peer-reviewed-research-has-value-or-you-dont-valuation-informed-indexing-is-what-buy-and-hold-would-have-been-had-shiller-published-his-amazing-research-in-1961-instead-of/</loc><lastmod>2025-08-26T18:58:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/28/since-the-valuation-level-that-applies-on-the-day-the-retirement-begins-is-the-most-important-factor-affecting-safety-you-would-need-to-consider-valuations-in-your-analysis-greaney-didnt-do-that/</loc><lastmod>2025-08-26T19:13:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/08/29/the-people-who-hold-degrees-make-money-due-to-the-publics-perception-of-their-expertise-in-that-model-if-shillers-nobel-prize-winning-research-is-legitimate-then-the-last-thing-in-the-world-th/</loc><lastmod>2025-08-26T19:55:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/02/either-the-greaney-retirement-study-contains-a-valuation-adjustment-or-it-doesnt-i-sincerely-believe-that-it-doesnt/</loc><lastmod>2025-08-27T15:19:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/03/theres-no-such-thing-as-an-expertise-that-remains-forever-it-was-one-thing-to-believe-in-buy-and-hold-in-1980-its-something-very-different-to-believe-in-it-44-years-after-shiller-published-his/</loc><lastmod>2025-08-27T15:32:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/04/if-you-drop-the-abusive-stuff-and-the-criminal-stuff-i-will-be-able-to-get-the-percentage-of-investors-following-valuation-informed-indexing-strategies-up-from-10-percent-to-20-percent-within-six-m/</loc><lastmod>2025-08-27T15:52:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/05/in-23-years-there-has-not-been-one-post-arguing-that-shiller-got-something-wrong/</loc><lastmod>2025-08-27T17:05:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/08/the-buy-and-holders-themselves-often-talk-about-learning-from-the-peer-reviewed-research-thats-where-i-picked-up-the-idea-but-you-cant-consider-only-research-that-supports-your-original-ideas/</loc><lastmod>2025-08-27T17:14:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/09/its-not-like-we-would-need-to-publish-new-research-or-enact-new-laws-or-persuade-people-to-care-about-their-retirements-to-make-all-the-good-stuff-happen-we-already-have-all-that-we-need-only-on/</loc><lastmod>2025-08-27T17:24:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/10/everybody-doesnt-give-up-one-way-of-thinking-about-a-subject-in-the-24-hours-after-amazing-breakthrough-research-is-published-people-need-time-to-talk-things-over-and-think-things-over-in-time/</loc><lastmod>2025-08-27T17:35:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/11/my-job-is-to-call-out-frauds-like-you/</loc><lastmod>2025-08-27T17:41:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/12/anything-good-that-seems-to-come-about-because-of-buy-and-hold-comes-not-from-the-strategy-but-from-the-productivity-of-the-u-s-economy/</loc><lastmod>2025-08-27T17:49:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/15/theres-one-major-flaw-the-price-of-stocks-is-set-by-the-people-who-own-them-there-is-nothing-to-stop-those-people-from-setting-the-price-of-stocks-at-artificial-levels-from-creating-irrational/</loc><lastmod>2025-09-15T09:49:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/19/it-seems-like-you-have-pretty-much-given-up-on-most-everything/</loc><lastmod>2025-09-18T17:02:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/26/the-peer-reviewed-research-is-never-going-to-fizzle-out/</loc><lastmod>2025-09-25T15:07:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/29/i-believe-that-shillers-nobel-prize-winning-research-showing-that-valuations-affect-long-term-returns-was-something-new/</loc><lastmod>2025-09-26T09:54:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/09/30/you-went-broke-i-have-millions-end-of-story/</loc><lastmod>2025-09-30T04:13:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/10/01/it-is-just-too-weird-to-have-one-set-of-laws-that-applies-to-everything-outside-of-the-investment-advice-field-and-an-entirely-different-set-of-laws-that-applies-in-the-investment-advice-field/</loc><lastmod>2025-09-30T09:44:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/10/02/the-get-rich-quick-psychology-that-causes-people-to-believe-that-their-stock-portfolio-is-worth-more-than-what-the-peer-reviewed-research-says-it-is-worth-also-affects-their-views-on-legal-actions/</loc><lastmod>2025-10-02T05:02:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/10/03/the-greaney-retirement-study-hasnt-been-corrected-in-23-years-theres-no-way-that-that-could-happen-without-a-lot-of-funny-business-going-down/</loc><lastmod>2025-10-02T05:11:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/10/06/30-years-to-build-a-multi-million-portfolio-is-not-get-rich-quick/</loc><lastmod>2025-10-05T16:14:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/10/07/you-wouldnt-expect-everyone-to-make-the-switch-to-the-superior-strategy-in-24-hours-people-need-to-have-discussions-and-ask-questions-before-they-feel-comfortable-making-the-change/</loc><lastmod>2025-10-05T16:20:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/10/08/you-dont-think-your-problem-has-anything-to-do-with-the-fact-that-you-have-been-unemployed-for-25-years/</loc><lastmod>2025-10-08T09:08:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2025/10/09/if-the-ceo-of-a-cookie-manufacturing-company-told-you-that-the-fact-that-you-have-been-eating-three-boxes-of-cookies-every-night-for-30-years-and-youre-not-dead-yet-proves-that-eating-three-boxes/</loc><lastmod>2025-10-08T15:38:15-04:00</lastmod></url></urlset>
