Reject FOMO. Go at your own pace in preparing for retirement.
Latest Blog Posts
Receive EITC, Contribute to Traditional 401k Not Roth 401k
If you receive EITC or the ACA subsidy, you should contribute to the Traditional 401k, not to the Roth 401k.
CD vs Bond Fund, Five Years Later
A CD special five years ago beat investing in a bond fund as expected.
Free International Wire Transfer via Fidelity or Vanguard
When you need to do an international wire transfer, do it through Fidelity or Vanguard.
California and New Jersey HSA Tax Return Special Considerations
When you are a resident of California or New Jersey, having an HSA and especially investing in the HSA require extra tax reporting. Here’s how to do it.
The Best HSA Provider for Investing HSA Money
One HSA provider stands out well above others for people who invest the HSA money.
Fidelity Freedom Index Funds: Hidden Gems For Your IRA and 401k
Fidelity Freedom Index Funds offer deposit-and-forget convenience with low cost, broad diversification, and automatic rebalancing.
Paying Off Mortgage Did Not Lower My Housing Cost
The largest cost of owning a home free-and-clear is the opportunity cost of the money tied down to the home. Full cost of housing includes both cash expenses and the opportunity cost.
ACA Health Insurance: Different Plans For Different Family Members
When you get health insurance from ACA, you can enroll different family members with different healthcare needs into different insurance plans.
When ACA Insurance Does Not Include Your Doctor
If your doctor is only covered by a more expensive health insurance plan, you can save money on insurance and still keep your doctor.