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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…
Retirement and Decumulation
Answering reader questions about decumulation in retirement, how to start withdrawing from your investments, and when and if you should increase your…
The National Debt and World War III — How Should Politics Affect Your Investing Strategy?
What should you invest in if you're really, really worried about the current level of the US debt? There are plenty of options to consider. The post …
Should Doctors Consider Angel Investing? The Other 5% of Your Money
Many founders who think they have a great business idea ask private investors, aka angel investors, to make their dream a reality. The post Should D…
The Truth About Buying a Foreclosed Home, The Series Finale
We bought a home about four years ago, but we couldn't move in because squatters occupied it. Here's the conclusion of our long, long story. The post…
The Truth About Buying a Foreclosed Home and 10 Other Ways to Provoke a Migraine, The Series Finale
We bought a home about four years ago, but we couldn't move in because squatters occupied it. Here's the conclusion of our long, long story. The post…
How This Respected Doctor Tried to Bring George Washington Back to Life: The Financial Wayback Mach…
Let’s journey back in time and discover how and why a respected doctor tried to reverse the death of George Washington. The post How This Respected …
Domestic Asset Protection Trusts as a Tool for Liability Protection
Those with high incomes and a large net worth could benefit from a Domestic Asset Protection Trust (DAPT). Here's what to know. The post Domestic Ass…
How Much Disability Insurance Should You Buy?
You know that you, as a white coat investor, need disability insurance. But how much should you actually buy? Here's how to figure it out. The post H…
Becoming a Millionaire by Reducing Your Taxes
Answering reader questions about capital gains taxes and how to limit them, how to use tax losses in retirement, and how to be tax-efficient during y…
Money Scripts: Why Do We Make Poor Money Choices?
For years, I believed my money problems stemmed from a lack of financial knowledge. But then I learned how money scripts can impact us. The post Mone…