I'm stuck with mutual funds for now. I've just been using a rebalancing strategy while holding funds of different types of assets from different places. I don't have to give it much thought and it sort of automatically buys low-ish and sells high-ish throughout the business cycle.

Undisciplined

econ

Tapping 401ks to Pay the Bills

I have a very straight forward self directed retirement account. Just a couple index efts, a couple dividend paying stocks, bitcoin etf, gold etf, and a couple energy mlps. 

I used to care a lot more about stock picking but liquidity is the only thing that seems to matter anymore so why spend all my time trying to outsmart the market by finding undervalued companies. 