Hi, I’m Harry. I’ll show you the nuts and bolts of managing your money.
401k, IRA, investing, insurance, taxes, … I lived, breathed, and wrote about these for so many years. No fluff, just concrete first-hand learning and sharing.
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Recent Posts
Taxes on I Bonds Are Complicated If You Go Against the Default
You have the option to report accrued interest from your I Bonds every year but it gets complicated in real life. Keep it simple and go with the default.
Where to Get a Signature Guarantee for I Bonds at TreasuryDirect
When you open a TreasuryDirect account to buy I Bonds, sometimes you need a signature guarantee. Ask nicely at a bank, a credit union, or a broker.
How to Add a Joint Owner or Change Beneficiary on I Bonds
You set a second owner or beneficiary when you buy I Bonds in TreasuryDirect. You can still add a joint owner or change the beneficiary at any time.
What If Congress Bans Backdoor Roth in 2022?
Congress is considering banning backdoor Roth and mega backdoor Roth. Do these to catch the last opportunities in 2021 and 2022.
Buy I Bonds as a Gift: What Works and What Doesn’t
I Bonds bought as a gift counts toward the recipient’s purchase limit. Buying as gift for your spouse works when the high interest rates are only temporary.
2022 New IRS Required Minimum Distribution (RMD) Tables
The IRS has new RMD tables effective January 1, 2022 but they are hard to find. See how much you are required to withdraw from your IRAs in 2022.