Larry Kotlikoff (Substack)

TIPS Yields Are Super High and Kevin Esler Has Returned to Help You Build a TIPS Ladder Using tipsladder.com

Larry Kotlikoff and TIPS specialist Kevin Esler discuss why today’s high real yields on Treasury Inflation‑Protected Securities (around 2.5% on the 30‑year) make building a TIPS ladder an attractive way to protect retirement income. They explain how the free tool tipsladder.com lets households create a ladder of staggered TIPS maturities to secure predictable, inflation‑adjusted cash flows for both regular and retirement accounts. Kevin shares his background, the development of the ladder generator, and how he personally shifted about a third to a half of his assets into TIPS to de‑risk his portfolio. The conversation also covers the broader retirement planning framework in Maxify, emphasizing a “safe‑first” approach before considering market risk.