The Frugalist Shelf
Twelve sources.
Nothing you don't need.
Not an endless library - a shelf. Every entry is real, verifiable, and worth your time; each has its own page with the summary, the key ideas, and a link to the original.
I.
Foundational papers
The research our calculators are built on.
- 01Paper1998Retirement Savings: Choosing a Sustainable Withdrawal RatePhilip L. Cooley, Carl M. Hubbard, Daniel T. Walz
- 02Paper1994Determining Withdrawal Rates Using Historical DataWilliam P. Bengen
- 03Paper2011Portfolio Success Rates: Where to Draw the Line (Trinity Study Update 2011)Philip L. Cooley, Carl M. Hubbard, Daniel T. Walz
- 04Paper1952Portfolio SelectionHarry M. Markowitz
- 05Paper2013The Lifetime Sequence of Returns: A Retirement Planning ConundrumWade D. Pfau
- 06Paper2010An International Perspective on Safe Withdrawal RatesWade D. Pfau
II.
Books worth your time
Five books, not fifty. Each one earns its place.
- 07Book1992Your Money or Your Life: 9 Steps to Transforming Your Relationship with MoneyVicki Robin, Joe Dominguez
- 08Book2020The Psychology of Money: Timeless Lessons on Wealth, Greed, and HappinessMorgan Housel
- 09Book1996The Millionaire Next Door: The Surprising Secrets of America's WealthyThomas J. Stanley, William D. Danko
- 10Book2016The Simple Path to Wealth: Your Road Map to Financial IndependenceJL Collins
- 11Book1949The Intelligent Investor: The Definitive Book on Value InvestingBenjamin Graham
III.
From the community
Writing that shaped how people actually live this.