The Financial Heretic
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Rethinking the 401(k).

The Financial Heretic checks popular retirement and investing advice against the math. A new home for the channel is being built. Leave your email and we'll let you know when it opens.

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Contrarian Conventional
401(k)
Roth IRA
Dividend income
Social Security
Early retirement
The 4% rule
Retirement taxes
Index funds
401(k)
Roth IRA
Dividend income
Social Security
Early retirement
The 4% rule
Retirement taxes
Index funds
Latest from the channel

The unpopular truths about money

Plain-English math on retirement, dividend income and tax, with every number sourced.

New videos every week
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Topics we cover

01 Retiring early: what the numbers really say
02 Living off dividends: the math behind the income
03 401(k) and IRA rules, explained with sources
04 Social Security: when to claim and why it matters
05 Taxes on retirement withdrawals
06 Popular retirement advice, checked against the math

Coming to the website

Build log · 2026
01 In progress

Video library

Every episode in one place, sorted by topic.

02 In progress

About

Who is behind the channel and how the analysis is made.

03 Planned

Newsletter

Short written notes between videos, with the sources behind each one.

04 Planned

Resources

Sources behind each video, reading lists and simple calculators.