Wealth Conversion Efficiency ratio measures how efficient you are in converting your inflation-adjusted earnings to wealth. Use the spreadsheet to find out how well you did.
Latest Blog Posts
Your Savings Rate: Count Mortgage and Loan Payments?
Your savings rate determines how fast you build wealth. Should you count mortgage and loan payments as savings? We dive deep to the bottom of this debate.
HSA Contribution Limit For Two Plans Or Mid-Year Changes
HSA contribution limit gets more complicated when a married couple are on different health plans or when they change insurance plans during the year.
How Advice-Only Works
An interview with financial advisor Allan Roth on how he works under the hourly Advice-Only model.
When AUM Fees and Financial Planning Have a Baby
An insider’s account for how assets under management fees are a poor fit for financial planning.
Credit Card Benefits: Purchase Security vs Purchase Protection
Your credit card may come with Purchase Security or Purchase Protection benefit. They sound similar but one is better than the other.
Splitting The Advisor’s Alpha
Explore the relationship between value and price.
Roth 401k Makes People Have More Money To Spend In Retirement
Roth 401k makes it easy for people to fool themselves into contributing more.
Advice-Only: The Best Model For Financial Advice People Need And Want
Beyond fee-only, advice-only is the best model of obtaining financial advice.
Why Reward Flights Or Hotel Nights Are Not Free
Reward flights or hotel nights are not free because you are paying for them in other ways.