Curated articles and podcasts from trusted financial experts and real retirees.
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My favorite story about Sam Bankman-Fried involves his time at Jane Street Capital where he built a system to get the 2016 U.S. Presidential election results before any mainstream media outlets. Bankm...
This week, we are revisiting our discussions on budgeting. We’ve talked in previous week’s about how I don’t budget and I personally practice reverse budgeting. In this week’s ...
If you’re in search of a platform to trade stocks and ETFs online, pricing is likely a top consideration. In Canada, there are a few low-priced online brokers to choose from, such as Wealthsimpl...
Empower surveyed 2,304 U.S. adults about financial happiness. And one of the most fascinating data points from the survey was that Millennials need to earn $525,000 a year to feel happy! Although $525...
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) Small stocks, big value The stock market has been on a tear lately. The S&P 500 now has a forward P/E ratio of 18.7 which is more exp...
Had recently transferred my Roth IRA to a new brokerage firm. The original Roth was opened 10 years ago with yearly contributions. Does the 5 year clock for withdrawals restart in the new Roth IRA acc...
I'm curious to see how many help their adult children out financially and with what. For instance, I help my youngest, age 24 out with rent and a couple bills right now....It's a pretty big little chu...
Hello, I am retiring as of 12/31/2023 and my Medicare Part B application for 2024 has been approved. I have received notice that, based on my high income in 2022, I will have to pay a higher Part B an...
What do you like? What do you dislike (and what would you change)?...
A recent CNBC Your Money Survey reveals 46% of 401(k) investors are unaware of the specific investments in their workplace retirement plan.¹ Considering 401(k)s are most people’s largest as...
Photo credit: coop Your wage earnings and other income can impact your Social Security benefit in several ways. These earnings can increase the amount of your Social Security benefit that is taxable. ...
Photo credit: jb If you have multiple options of various different kinds of accounts to choose from, such as an IRA, a Roth IRA, a qualified retirement plan (such as a 401(k) plan) also known as a QRP...
I hope everyone had a great Thanksgiving! There was a lot of news on the safe withdrawal rate front this month. We’ll start by exploring the key takeaways you need to know. This month I read two...
I’m 65 and plan on retiring from full time employment in 26 months. I have a military pension, 900k in retirement savings (mostly in non-Roth, unfortunately), planning on drawing SS when I retir...
Hi everyone I hope to leave the workforce in the next 3-4 years (will be 57ish) and move into contracting positions. I am a middle manager in software development (managing teams of 50-150 people buil...
Hey everyone! Did you have a good Thanksgiving? We stayed in town this year and had a relaxing holiday weekend. Mrs. RB40 cooked a bunch of side dishes and I made a beef stew. We were too lazy to cook...
When it comes to the question of rolling over a 401K or 403B to an IRA, many people fear making mistakes. It’s true, that retirement account mistakes can be costly. On this episode, we’ll ...
[podcast-transcript possessive=”Todd’s best tips for epochal change”] Two years ago, I announced to my Expectancy Wealth Planning course community that we were about to enter epochal...
Anyone Can Retire Early, But Few Succeed. Here’s Why… Key Ideas The simple math that makes it possible for anyone to retire early and achieve financial independence. Why you don’t h...
Everything You Need to Know About Building Wealth in Just Two Sentences Key Ideas The “secret” to successful wealth building revealed. The proven formula complete with clear action steps s...
How To Take Control Of Your Financial Future And Engineer Your Success Key Ideas Discover how mathematical expectancy converts the uncertainty of an unknowable future into a planned process that&rsquo...
Find Out How Your Net Worth Ranks Compared To Average Savings By Age And How To Grow Your Money Faster Key Ideas Two quick ways to determine if you’re building enough wealth. How your “why...
How to buy life insurance online & 13 life insurance savings tips Key Ideas 3 rules for buying life insurance Where to buy life insurance How much life insurance you need 13 life insurance savings...
Reveals The Twelve Most Common Investment Mistakes That Separate You From Financial Security Key Ideas Discover how you can make more by risking less. Reveals the dangerous deception hiding behind his...
How Much Money Do You Need ToBe Wealthy And Free? Key Ideas Reveals how more can actually be less. Discover how getting wealthy is just one step to the real goal. How to connect your values to “...
How To Avoid The Salesman’s Hype And Focus On What’s Best For You Key Ideas Why life insurance is a negative expectancy bet for the majority of consumers The problem with mixing investing ...
Nobody Wants Responsibility For Your Retirement So They’re Passing The Buck To You. Do You Know How To Benefit? Key Ideas The reason retirement planning changed from socialized to personalized. ...
If Retirement Looms Large But Your Nest Egg Doesn’t, This Article WillHelp You Catch Up Key Ideas Shows how to raise your savings contributions to the next level. Six ideas to convert non-earnin...
Americans Aren’t Saving Enough For Retirement: How To Avoid Being Part Of The Problem Key Ideas Retirement savings statistics suffered before the recession, but are now worse. Reveals the only s...
I am in the process of submitting application on the SSA web site for my wife to start collecting social security benefit at FRA in February 2024. Will SSA automatically calculate her maximum payment,...
Episode 434: In the early stages of building wealth, the key factor is SAVING. Saving is also one of the few things that you have influence to control. Sign up for free ALERTs & Market Commentary ...
I am starting Social Sec at 68 and 10 months. On the Soc Sec graph at 68 I would have received (this is an example) say $2700 and at 69 say $3000. When I took it at 68 and 10 months I am still only re...
The Hidden Conflicts Of Interest That Financial Experts And Investment Media Don’t Want You To Know – Revealed! Key Ideas Most experts provide inaccurate or incomplete advice tainted with ...
Reveals The Crucial Questions To Help Prevent Investment Fraud And Send The Con Artist Ducking For Cover Key Ideas Why you need to operate under the assumption that fraud is always a possibility. 4 ke...
[podcast-transcript possessive=”Brennan’s smart business advice for aspiring or stuck entrepreneurs”] The business entrepreneur path to financial freedom has many advantages over rea...
I am 66 and my spouse is soon to be 66. I have a 100% Va disability plus pretty good SSI. She has her SSI also. I recently retired and she has a small housecleaning job that pays a few hundred per mon...
I am 65 years old and I want to start collecting my SS benefits now. My full retirement age is 66 and 8 months. I was told by SS agent that if I work and make money while collecting Social Security be...
Periodically, we read articles from William Bengen, the inventor of the safe withdrawal rate (otherwise known as the 4% Rule), from various esteemed retirement academics, from the retirement researche...
I'm not talking about buying an rv, or a second home. I'm wondering: What kind of SMALL purchases did you make for yourself, for fun, upon retiring? We are thinking: -More streaming channels for our T...
I received my Social Security statement last night for 2024 COLA increase. For those that are interested check the SS site and see if yours is available....
The Sunday Bestis a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. ... Read more...
A new law increases tax-free ways to give from IRAs....
Are you looking to invest in an ETF geared towards generating dividends? If so, VIG and VYM are Vanguard ETFs ... Read more...
Karsten Jeske at the Early Retirement Now blog wrote When to Worry, When to Wing It: Withdrawal Rate Case Studies back in 2021. It looked into what really makes a difference in safe withdrawals in ret...
I have a vested pension that I can take at either 55 ($1700/mo) or 60 ($2000/mo). I plan on working till 65, so the current strategy is to invest the entire monthly pension payment while I’m sti...
https://www.oregonlive.com/business/2023/11/the-unfulfilled-promises-of-the-long-term-care-insurance-industry.html?outputType=amp Who here has LTC insurance? Our financial advisor recommended against ...
As the downsides of 401(k)-style plans become apparent, workers and some companies, including IBM, are showing new interest in defined benefit plans....
Greetings to all aspiring pentamillionaires! Physicians often find themselves in a challenging financial paradox. Despite high incomes, the mountain of ... Read more...
I’ve got an uncharacteristically short post today. A few thoughts on the 3-legged stool. It’s a metaphor we’ve all heard many times. For example, I recall in my working days when we ...
