In this episode we answer emails from Zane, Slim Jim, and Jim Kirk.   We discuss recent moves in world gold markets, good and bad mental models of collective action and critical events, including Mimetic Theory and fractal sand pile models, avoiding the physical metals racket, the data and evidence showing that retirees experience inflation at a much lower rate than the CPI (and most financial planners and DIYers get this completely wrong, resulting in bad planning), and the new global portfolio analysis article at Portfolio Charts (again). Links:   Retirement Spending Smile models:  What Is The 'Retirement Spending Smile'? | Retirement Researcher Spending Trajectories After Age 65 Research Paper and  Summary:  Spending Trajectories After Age 65: Variation by Initial Wealth | RAND Portfolio Charts Article Re Global Portfolios:  What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios – Portfolio Charts Support the Show.