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Too Much in 401(k) and Tax-Deferred Accounts?
401(k) accounts are ubiquitous. It's common to see large 401k balances. But is there such a thing as "too big" a pre-tax bucket?
New Executive Order Will Allow Real Estate to Be Bracketed Into 401(k)s, Marking a Potential Invest…
Landlords could soon be able to include their property assets in their 401(k) retirement plans. The White House has confirmed that President Donald T…
4 Easy Retirement Withdrawal Plans
There is a perception that the decumulation years are dramatically more complicated than the accumulation years. That doesn't have to be true. The po…
Wife vs. Husband: A Retirement Account Showdown
I have a 403(b). My wife has a 401(k). Let's figure out who has the better retirement account and if it matters for our portfolio. The post Wife vs.…
Optimizing Charitable Giving for Maximum Tax Savings: Why a Taxable Account Can Beat a Roth
For years, I gave to charity by donating cash. But I've changed my approach to maximize my tax savings while still giving the same amount. The post O…
8 Retirement Catch-Up Secrets for Savers 55+
I’ve met countless people over the years, and while it’s somewhat rare, I’ve seen individuals go from having virtually no retiremen…
Backdoor Roth: Standard and Mega
Answering reader questions on the Backdoor Roth IRA and the Mega Backdoor Roth, including what the Mega Backdoor Roth is, who it makes sense for, and…
Retiring 15 Years Early by Buying Rentals on Repeat (HELOCs!)
What if you could shave 15 years off your working career? Whether you love your job or hate it, having the option to retire early on a schedule you c…
Is Early Retirement A Smart Goal? – Episode 1,015 (Bestie)
Cinderella is such an absurd story! Seriously, when you stop and think- it’s pretty messed up: a prince dances with a girl he’s never met before for …
Try a Mini-Retirement
Since we planned to retire soon, we decided to do a practice week to make sure we're prepared mentally for such a big change in our lives. The post T…
Pro-Rata Rule & Backdoor Roth IRAs Simplified
Exploring the Backdoor Roth IRA? Don’t get burned by the Pro-Rata Rule. Here’s how it works and what to do if you have a Rollover IRA.
Freedom vs. Fiduciary Responsibility in a Company 401(k)
Companies and partnerships need to remember they have a fiduciary duty to their employees. Here's my approach to my partnership's 401(k). The post Fr…
0% Capital Gains vs. Roth Conversions: How to Optimize in Your Financial Plan?
If I have limited space in my financial plan, am I better off paying 0% capital gains or doing low-tax Roth conversions?
Comparing The Most Popular Solo 401k Options
We compare the most popular solo 401k options from providers such as Fidelity, Vanguard, Schwab, Etrade, and more to show you the best prices. The po…
5 Ways to Retire with $5 Million by Age 55
Would you like to retire with $5 million by age 55? Here are five different ways to get there—only one of them involves winning the lottery. The post…
Rule 72(t): Secret Rule To Access Your IRA Early
As someone dedicated to helping people achieve their retirement dreams, I often tell folks, “You can retire sooner than you think.” And t…
Secure Your Future: Are Your Cash Flow Calculations Ready for Retirement?
Retirement planning often feels like a checkbox exercise for high-income professionals and business owners. Work hard, save diligently, invest here a…
RMDs + Sequence Risk = Retirement Destruction?
Do required minimum distributions (RMDs) have a destructive synergy with the sequence of returns risk? Can this combo "sink your boat?"
What Does It Mean to ‘Adjust as You Go’ in Retirement?
If you're leaning toward implementing the 4% rule when it comes to withdrawals in retirement, here's how to know how to adjust as you go The post Wha…
Don’t Make This Costly 401(k) Mistake (and What to Do Instead)
It’s a strange time in the world of personal finance. On one hand, data shows that people are contributing a higher percentage of their pay to …