Retirement

If there’s a car in your blind spot and you swerve suddenly, there’s a good chance you’ll get into an accident. Your accident will not only cost time and money to fix, you might also suffer an injury or even die. If you have financial blind spots, the consequences can be just as severe. I can’t teach you […]

I’m not sure if homebuyers truly realize how much concentrated risk they are taking when they buy property. Most middle-class homeowners have a majority of their net worth in their primary residence (~80%). This can be dangerous during a downturn. Therefore, I want to use this post to discuss the main types of investment risk

Although the Roth IRA is an important tax-advantaged retirement account, there are also disadvantages of the Roth IRA that are seldom discussed. For years I’ve been an opponent of the Roth IRA. After the government came out with its tricky way to let us all do a “one-time” Roth IRA conversion from our traditional IRAs,

There are good times to retire early and then there are bad times to retire early. I’d like to highlight the worst times to retire early to prevent you from living a suboptimal life. As someone who retired in 2012 and mentally un-retired by 2014, I feel it’s my duty to share all the landmines

There are three retirement goals to shoot for in order to comfortably walk away from your day job and remain retired. They are: Accumulate 25X your annual expenses Accumulate 20X your annual household income Be able to live off a 0.5% annual withdrawal rate Instead of viewing these retirement goals as at odds with each

Partially due to the pandemic, partly due to larger balances, more people are wondering whether they should withdraw funds from a 401k or IRA before retirement to help pay for life. There are plenty of reasons to withdraw money from a 401k or IRA early. Unfortunately, some people go too far and end up using

Hopefully, everyone who has access to a 401k is contributing to a 401k. To not do so is a mistake you don’t want to realize when you’re old and unwilling or unable to work. This post will discuss all the top 401k mistakes that hurt your retirement. Let us be clear. The government isn’t going

If you want to retire early, you must maximize the value of your after-tax investments (taxable investment portfolio and real estate portfolio). It is your taxable portfolio and investments that will generate the passive income necessary to retire early. Better yet, you should try and follow an after-tax investment amounts by age guide to increase

When Supreme Court Justice Ruth Bader Ginsburg died on September 18, 2020, at 87 years old, the first person I thought about was my 9-month-old daughter. I thought about how RBG fought her entire career for women’s rights so that daughters, mothers, and sisters everywhere could lead better lives. Thank you RBG! I’m not sure