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Conventional wisdom says we’re in a housing affordability crisis. With higher mortgage rates and higher home prices, buying a home has supposedly never been more expensive. But what if I told you this...
We feature two deep-dive research papers on private credit. One is from Victoria Ivashina of Harvard Business School and the other from a team that includes Amir Sufi, co-author of "House of Debt" (U....
I have just returned from another enjoyable but exhausting trip to London to see our granddaughters. On this occasion, rather than driving, Mister E and I took the train and the journey proved to be t...
I can't stand AI-assisted writing anymore. It's all over Substack. It's in my LinkedIn replies. It's everywhere. Like a disease slowly infecting our literary consciousness. I even see it from people w...
Get insights for the best way to use your money. What are the pros and cons of paying off mortgage vs. investing? The post Should You Pay Off Mortgage or Invest? appeared first on Boldin.
Have financial holes in your retirement plan (like not enough savings or unknown risks)? See if you should use home equity to fill them. The post 5 Ways to Tap Home Equity in Retirement and 7 Times Wh...
Imagine it's 2004 and I explain to you what a mortgage-backed security (MBS) is. I show you how they work and how banks are using them to sell groups of mortgages to investors. Even with this knowledg...
Most families are not prepared for the moment when someone must step in and take over another person’s financial life. Whether it happens suddenly or gradually, it happens far more often than people r...
Ever since we had a kid, my friends and family were like “well, I guess you’re going to have buy a house now!” After all, they reasoned, we couldn’t possibly raise a kid in a one-bedroom apartment, ri...
People knock real estate for being slow and tedious. I get it. It’s not nearly as exciting as chasing big tech or the latest AI winner. But slow and steady might be exactly what the doctor order...
Explore why de-cluttering is the ultimate retirement and estate planning task. 7 compelling reasons to clean out your closets this year. Read now... The post The Gentle Art of Swedish Death Cleaning: ...
The worst investments I've ever owned all share one thing in common—I couldn't sell them.Whether we are talking fractional shares of expensive artwork or private investments in friends' companie...
When I wrote about our trip to Portugal, I did say we were searching for inspiration for a recovery trip. On a whim and with a definite need to experience a little more European sunshine before winter...
Housing is one of life’s fundamental needs, right up there with food, water, and safety. For decades, though, housing affordability has become increasingly out of reach for the average American....
In this episode of Retirement Reality, Darren shares what it’s really like to walk away from work at 54 and why it still feels surreal. After decades of saving, hitting his number, and paying of...
A 50-year mortgage is a re-timing device: it improves near-term liquidity but increases lifetime interest, slows equity, and extends leverage later into the life cycle....
With 17 team members serving 125 ultra-wealthy families, the Continuum Group blends institutional experience, in-house portfolio management and family-office service....
Explore some of the issues around the family home and how it works as an inheritance. The post The Pros and Cons of Inheriting a House: Understanding How to Make Good Plans for Your Heirs appeared fir...
Here are 10 methods to help your child with their housing costs, along with the pros and cons of each and a ranking of all the options. The post How to Help Your Child Buy a Home appeared first on The...
We asked financial experts for advice....
What if downsizing your home could actuallyupgradeyour lifestyle in retirement? In this episode, Tyson Thacker sits down with real estate professionals Jodi Rosko and Heather Fisher, co-hosts ofThe Do...
A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, a...
A lot of people have strong opinions about paying off a mortgage early. Some argue it’s always the smartest move, others insist you should keep the loan and invest instead. The noise gets loud, ...
Retiring soon. Looking for insights on my ability to retire, and things I haven’t considered — especially from women in similar life circumstances. I have 600K in mixed retirement accounts...
My wife and I (both retired, not working jobs) are strongly considering San Diego CA as our final living destination. Austin TX is just getting too hot, and it will only get worse. 8 months of summer,...
Housing security is something I hope everyone will one day obtain. Once you are house secure, you can more easily focus on your career, family formation, and other things you care about. However, if y...
I recently spoke with a couple who wants to sell their home. Their realtor told them the market was a little soft but added that interest rates were likely to come down this year. The suggestion was t...
I retired about 4 months ago. We downsized to a single story with plans for it to be our forever home about 6 years ago. One bonus was the really large backyard for our urban/suburban area. But I&rsqu...
As a buyer and seller of real estate since 2003, I’ve learned that getting a home inspection before each purchase is one of the most important steps in protecting yourself. You want a profession...
Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn’t match the average. In this episode, James shows why age-based savings benchmarks miss the mar...
Me? I'm a hunter, but I never shoot anything. I'll go out in the woods in the afternoon and sit and observe. Then, when it gets dark, I walk back to the car and go home or to my camp. Mornings, I go o...
Recently, an executive order has set the stage for 401 (k) providers to potentially start offering investments like private equity, private real estate, digital assets (think bitcoin), commodities, an...
It’s a raging bull market, and I’ll confess, I’m a little annoyed I don’t have a large paycheck anymore to take advantage of more investment opportunities. Every day, I see peo...
Interesting Social Security Scenario - What’s your take on this? ? or ? A (breadwinner) parent divorced a real deadbeat parent after 14 years of marriage -and (2) kids. Neither ever remarried. T...
Today we answer a question from Sandi about how much umbrella insurance coverage you really need — especially as you approach retirement. We discuss why someone might choose a $2 million policy,...
In this special episode, we catch up on a backlog of insightful listener questions—covering everything from estate planning and Social Security taxation to Roth conversions and Medicare rules. I...
Today we answer Jeff's question about using home equity to pay for end-of-life care — from tapping into equity for in-home support to selling the home to cover nursing home costs. In high-cost s...
In the first part of our series on estate planning, we laid the groundwork for why incapacity planning matters and what documents you need to get started. But there's more to it than just having your ...
For those of you who are married which spouse retired first and what was the reason for this? How are the dynamics post-retirement? I will retire before my husband. I've always made less and as I stop...
My wife and I plan to retire at the end of 2028. While we both have good paying jobs now, for most of our adult lives, we've been barely making it - raising children and living paycheck to paycheck. O...
The entrepreneur, real estate investor and motivational speaker tells us why people should never stop working....
Earlier this week a member posted - Let’s examine both sides of the tracks . In order to provide all members of the community an opportunity to view the reply by the Moderator team, we copied it...
Recently, in her Motley Fool article, A Big Reason the Famous 4% Rule May Not Work for Your Retirement, Maurie Backman confirmed what we have been telling our readers for years—you aren’t ...
The list is growing It’s become comical I’ll do that as a project when I retire Anyone else accumulating home improvement projects like crazy? I have everything from the cliché clea...
I’m looking for advice or some experience based opinions on my retirement plan. I’m two years out from retirement and at the same time, I would have my mortgage paid off at 60. But instead...
Consider how your housing needs will change, what you'll do with your time, maintaining social connections and keeping mentally and physically fit....
I’m 63, setting up for retirement soon. Last year we sold the big suburban house and rented in a cheaper city. Lowered our COL by half. Not just saving the mortgage and taxes, but also on the we...
It was a beautiful October afternoon. I was driving home after an enjoyable mountain bike ride in the Appalachian Mountains, savoring the cool breeze through the open windows in my […] The post...
My main goal* was to build an investment and cash portfolio of$1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in1500 days**, starting from 1/1/2013 and ending in February of 20...
Homeowners who are considering using home equity in their retirement plan can analyze it like they do their other investments. Here's how....