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The Finance Buff

Like a friend telling you about money … since 2006.

retirement

Young Investor: OK to Invest 100% In Stocks?

Why does Vanguard put people into 90% in stocks in the first 15 years in its target date funds? Is there a big difference between investing 90% in stocks and investing 100% in stocks?

Happy Trails With Income Poor

This is the third and final installment on my Asset Rich Income Poor strategy. The road to asset rich sounds simple at a high level but it’s not that easy at the details level, because every decision you make has tradeoffs. The tradeoffs affect the final outcome in ways you can’t know for sure. I […]

The Road to Asset Rich

The second part of the Asset Rich Income Poor strategy is relatively easy when you get overpaid, uh, increase the value, for what you do. I wrote about the basics in 3 Secrets to a Fat 401k. To achieve Asset Rich, we need to work on these 3 factors: the amount you invest; the rate […]

Financial Planning When You Don’t Know the Future

On my way to work I see a sign for a psychic. It’s been there forever. I wonder how a psychic stays in business. Low overhead, I guess. When I hike during the weekend, I listen to The Clark Howard Show on podcast. Clark Howard is a personal finance guru on radio and television, based […]

Sitting Out the Roth IRA Movement Party

I woke up this morning hearing there’s a Roth IRA Movement going on in the bloggers circle. I don’t have anything prepared, except I want to remind everyone not to forget The Forgotten Deductible IRA. Roth IRA is great if you aren’t eligible for a tax deduction for contributing to a traditional IRA, meaning you […]