Whenever we mention to people that we moved from California, they all say it makes sense because we get to avoid the high state income tax in California. I don't blame them. California has a ...
Latest Blog Posts
Positive Cash Flow: An Open Secret In Early Retirement
It's been six months since the stock market touched a bottom in the coronavirus crash. It recovered nicely and fast. When the 2008 financial crisis started, I followed a path of overbalancing. After ...
2020 2021 401k 403b 457 TSP IRA FSA HSA Contribution Limits
[Updated in August 2020 after July inflation release.] Retirement plan contribution limits are adjusted for inflation each year. While inflation dipped in April due to the COVID-19 pandemic, it has ...
2020 2021 ACA Health Insurance Premium Tax Credit Percentages
If you buy health insurance from healthcare.gov or a state-run ACA exchange, whether you qualify for a premium tax credit is determined by your income relative to the Federal Poverty Level (FPL). You ...
Life Hack: Donate To Charities Without Getting Junk Mail
Here's a problem. You'd like to donate some cash to a charity but you're concerned that the charity will put you on their mailing list and keep asking for more donations. Worse yet, because some ...
Can 401k and IRA Contribution Limits Go Down If We Have Deflation?
The annual 401k and IRA contribution limits are adjusted for inflation each year. Due to rounding, the limits can stay the same from one year to the next when there isn't enough inflation. The ...