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Here’s How Much the Man Who Invented the 4% Rule Actually Spends in Retirement (Spoiler: It’s More …
Determining how to decumulate your nest egg in retirement is one of the hardest tasks in finance. Is the 4% rule still a good guideline? The post He…
8 Ways to Teach Your Kids About Money
One of my greatest blessings was getting financially literate before I made big money. Here's how to teach your kids about money early. The post 8 Wa…
12 Reasons to Consider More Roth
Roth conversions and contributions may be the most challenging topic in personal finance and investing. Here's how to utilize them. The post 12 Reas…
Getting Your Work Benefits Right
Answering reader questions about how to understand and select employee stock ownership plans, selecting disability insurance from work and the tax im…
Why ‘Going 1099’ Won’t Solve All Your Financial Problems
There are guidelines about when someone should be an employee and when they should be an independent contractor. Is being on a 1099 better? The post …
The Other Side of Hedonic Adaptation: When Life Knocks You Down
In the summer of 2025, I started feeling off. It was nothing dramatic at first—just a sense I wasn’t at my best. The result was a gut punch. The post…
5 Good Times to Retire (and 1 Bad Time)
Per the 4% guideline, you can spend about 4% of your portfolio a year. But there are five times when that number might change significantly. The post…
Tax-Deferred Retirement Accounts: A Gift from the Government
Tax-deferred retirement accounts can reduce taxes, protect assets, plan your estate, and boost returns. Ignore them at your peril. The post Tax-Defer…
Should You Invest in the TIAA Real Estate Account (QREARX)?
If you have access to TIAA’s real estate account and you're thinking about investing in QREARX, here's what you should be thinking about. The post Sh…
Why a HELOC Can Be a Smart Financial Tool for Physicians
Borrowing, when done smartly, can provide flexibility and help you reach financial goals. One option is a Home Equity Line of Credit (HELOC). The pos…
