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Dave, I think readers would find it helpful if you footnote unusual terms in your responses. For example, you used the term risk of ruin[1] which is, as you said, an investment term. When you use these terms--even if you think everyone ought to know what you're talking about--you could footnote to Investopedia. Then people wouldn't accuse you of making up words and phrases. BTW, "non-lost" isn't a word.

The problem is that as I write, I’m basically some kind of autistic… I sincerely don’t know what terms other people are not actually smart enough not to understand. I do *NOT* consider myself all that intellectually gifted (though I always appreciate the kind compliments you & others give me… in my heart I don’t buy it…) so I internally assume that whatever I write… 99% of the readers are likely above ME.

If I have to manually handicap that, I’ll end up getting bogged down footnoting the definition of ‘is’….

No… if I am going to write anything, it has to simply be from natural flow.

I don’t do mammoth research & preparation productions…. Footnoting? not unless I have an external editor reading & screening everything I write (which *WILL* happen for a book…. Not for TMF conversations.)

Thanks for caring!
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