Blog Feed
Don’t Avoid the Pro Rata Rule
“How do I avoid the pro-rata rule in retirement? Can I do X to avoid it?” I’ve seen this question numerous times. My general answer…
Investing Our Mortgage – 3 year update
A few years ago we bought a house, paid in full with cash. Then I got a small mortgage as an inflation hedge and to invest for fun and profit. We use…
Choosing our ACA Health Insurance Plan for 2025
Choosing an ACA Health Insurance Plan is one of those sentimental holiday season activities we look forward to each year. Here is the process I used …
A Simple Year-End Tax Checklist
The end of the calendar year is quickly approaching, and that means it is time to run through our year-end tax checklist. The simpler the better. Her…
Debt as a Recession Tool
Shortly after moving back to the US in mid-2021, an extended COVID-19 hangover meant excessive economic angst for large swaths of the population. Peo…
D I Why?
“Are you ready to learn how to change the oil in the car?” 12-year-old me: “Dad… when I am old enough to have a car, I will …
Why I Am Ditching our EV
3 years ago we bought a new electric vehicle. I am in the process of getting rid of it. If you have spent any amount of time online you have definite…
Why I Plan to Start an SEPP
“Isn’t a Roth conversion ladder far superior to an SEPP in every way?” “You wrote all of this stuff about SEPPs but it is a c…