A low Social Security COLA caused by low inflation is good for seniors.
Social Security Claiming Strategy Calculators Compared
I compared two free calculators for the optimal Social Security claiming strategy with hypothetical test cases. They both do a good job.
You Can’t Eat Your House. Or Can You?
A paid-off home not only provides you a place to live. It can also fund your retirement.
Plan It and Update It
Putting your financial plan into a simple table helps you focus on the major blocks and see where you are.
Maintaining and Executing An Estate Plan
Real life experience and learning from maintaining and executing an estate plan.
Switching Brokerage Account Into A Trust: Fidelity, Vanguard, Merrill Edge
Just having a trust document doesn’t do much. You need to put accounts under the trust’s name. I walk you through for how we did it with Fidelity, Vanguard, and Merrill Edge.
Will and Trust Through Employer Legal Plan
Using the legal plan through an employer works for simple estate planning.
Financially Comfortable and Pivot
Pivoting when you are financially comfortable offers a safer and more enjoyable path to a second childhood.
Roth 401k Makes People Have More Money To Spend In Retirement
Roth 401k makes it easy for people to fool themselves into contributing more.
Delayed Gratification And Enough
Employment income to net worth ratio explains whether a person decides to retire or keep working.
Encouraged By Others To Take Risks
Friends, co-workers and people on the Internet will encourage you to take risks when they have nothing to lose.
Early Retirement and Comparative Advantage
It makes little sense to retire early on a shoestrings budget that requires you to substitute your own labor for hired labor.