I've been self reflecting on life and also wonder how long I'm expected to live.  My first inclination was to estimate based on my past relatives and how long they lived, but doesn't give me a large objective data set to evaluate from.  So I found that the WHO (World Health Organization) publishes this data world wide, and the SSA (Social Security Administration) publishes a little bit more detail for Americans. These are often referred to as mortality or longevity tables and are usually prepared by actuaries. From WHO: https://apps.who.int/gho/data/node.main.688 2019 Life Expectancy At Birth At Birth At 60 years At 60 years WHO region Male Female Male Female Global 70.8 75.9 19.5 22.7 Africa 62.4 66.6 16.7 19 Americas 74.5 79.8 21.2 24 South-East Asia 69.9 73.1 18.2 20 Europe 75.1 81.3 20.5 24.3 Eastern Mediterranean 68.3 71.3 17.8 19.3 Western Pacific 74.8 80.8 19.8 23.9 From SSA: https://www.ssa.gov/oact/STATS/table4c6.html 2017 Period Life Table Age Male Life expectan...

 Bitcoin has emerged as an alternative asset class; but does it really offer any diversification?  Although the future prices can move in any direction, below you will find data going back to 2014 to show you how it has historically behaved.     From the chart, you can see that it definitely hasn't been negatively correlated.  The most recent 12 months it had a 0.33 correlated move with the S&P 500.  It doesn't look like it has provided great diversification during the 2020 Covid-19 sell off either (reaching as higher than 0.70). So although past performance may not indicate future performance, it looks like Bitcoin is moderately positively correlated to S&P 500 (SPY), but has historically gotten very high when the stock market sharply falls.

The Average American Household spends $63,035 and the top 10% spend $145,966.  This data is for 2019 compiled by the BLS (U.S. Bureau of Labor Statistics). --------------------- Have you ever wondered if you are spending too much or too little?  This is a very subjective topic because the answers completely depend on circumstances (resources, constraints and preferences).  So to help me answer this question I would generally ask family and friends or research online.  My guess is that if you have done the same you will come back with generally similar conclusions on either judgements that you spend too much and should cut back or support justifying the value in more controversial items (like daily latte).  Although I found this short term cathartic, it never really created an objective framework for me to work with. So to answer this question, I decided to approach the question differently.  How much do other people spend?   After having the context of...