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ACA Tax Credits or Roth Conversions in Early Retirement? For early retirees, the choice is not simply whether to convert. It is whether the future tax savings are worth the subsidy you give up today. Healthcare is a common concern […]
Let’s be honest. Sending money used to be simple. You handed someone cash or wrote a check. Done. Now we’ve got ACH, wires, Zelle, Venmo, Cash App, PayPal, and a bunch of other stuff, and every one of them works a little differently. Some are fast. Some are slow. Some cost money. Some are about as safe as leaving your guitar and gig gear unlocked in a parked van! C’mon man! So, the reason why […]
Don’t miss an episode of our podcast, Personal Finance for Long-Term Investors. Available on all podcast players. Here’s the latest episode: Do you work for the money? For the fame? For the love of the game? For your family? Out of a sense of duty? …to scuba!? We all have our rhymes and reasons to do what we do. Your reasons might not make sense to me. They don’t have to! We each get to choose. Retirement is no different. We all want different things from retirement. Your goals and mine might differ. Heck – your multiple goals might even conflict with one another! We talk past one another when we fail to realize how widely our goals may differ. Your goals will dictate your smartest path. My path might look different. Both paths can be correct at the same time. Below is a partial list of the many varied retirement goals that I can think of. Some might resonate with you. Others will feel foreign. That’s the point. Maximizing total wealth. Maximizing how much we spend in life. Minimizing our stress. Minimizing some “probability-of-failure” metric Making life as simple as possible. Minimizing how often we have to think about money. Smoothing your standard of living. Protecting against the “worst case.” Avoiding outliving your money. Avoiding dying with too much. Maximizing your healthy years. Minimizing regret. Maximizing flexibility and optionality. Leaving a legacy. Retiring as early as possible. Minimizing lifetime taxes. Protecting a surviving spouse. Preserving independence and dignity. I’m sure I’m missing dozens. But that’s a good start. Your retirement decisions might look totally different from your friend’s. You both look at each other like you’re aliens. Why would you make THAT choice?!?! Yet both of you can be correct. Different strokes for different folks. What’s your biggest retirement goal? Thank you for reading! Here are three quick notes for you: First – If you enjoyed this article, join 1000’s of subscribers who read Jesse’s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime. Second – Jesse’s podcast “Personal Finance for Long-Term Investors” has grown ~10x over the past couple years, now helping ~20,000 people per month. Tune in and check it out. Last – Jesse works full-time for a fiduciary wealth management firm in Upstate NY. Jesse and his colleagues help families solve the expensive problems he writes and podcasts about. Schedule a free call with Jesse to see if you’re a good fit for his practice. We’ll talk to you soon!
The best part of my FI journey has been meeting eclectic, smart, and fun humans. People on the FI journey tend to be a little different and I find that I have more in common with them. I’m really fortunate that I get to call some of them friends. One of them is Justin David […] The post I’m On Fit Rich Life! appeared first on 1500 Days to Freedom.
Being on top of your finances isn’t just about managing your money and reaching your goals. Unfortunately, in our current world, it’s also about recognizing and preventing fraud. When I set out to audit our budget recently, I didn’t imagine that I would find someone stealing money from our accounts! I found two separate cases of fraudulent charges in two different accounts. That’s pretty shocking for someone who is very on top of the family […]
Most of us have spent our lives being evaluated on a scale of 0 to 100. From elementary school through college, we learned that higher scores meant better results. A 95 was an A, a 75 was a C, and anything below 60 usually meant we had some work to do. That way of thinking tends to stay with us. When we see a number expressed as a percentage, our instinct is to interpret it […]
We’ve all heard stories about job interviews going wrong. Maybe someone showed up late, forgot an important detail, or completely froze when the interviewer asked a question. Well, I’ve got a story of my own. I went back and forth on whether to share this bad interview experience. It was embarrassing at the time,…
There is something about November and December that makes time move twice as fast. One minute you’re buying Halloween candy, and the next you’re standing in Target three days before Christmas wondering how you’ve somehow spent $147 when you only came in for tape. The end of the year has a way of sneaking up on us. And financially, that’s not ideal. There are several things worth reviewing before December 31—retirement accounts, taxes, savings, insurance, […]
It’s been several years since I last posted here on Passive Income NZ and a lot has changed. In that time, I’ve become a dad to two boy which has kept me pretty busy- and honestly it’s the best the most rewarding thing I’ve done so far. Over that time I have also re-evaluated what financial independence really means. I’ll explain more later- but briefly- FI is more about freeing time up to… Source
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Have a jolly Christmas in NYC with your baby! This article provides a comprehensive guide for parents traveling to New York City with a baby during the holiday season. It offers tips for navigating Midtown Manhattan, suggestions for activities, and practical advice for traveling with kids. The holidays in New York City is a magical […] The post Festive Family-Friendly Christmas Things To Do in NYC With a Baby in Midtown Manhattan appeared first on […]
Train travel has a reputation for being slow and sometimes pricey. I sat down with train travel expert Sojourner White on the Thought Card Podcast to get her best train travel tips and break down exactly where new (or infrequent) riders waste money. Sojourner has crisscrossed the country by rail countless times and knows exactly […] The post Train Travel Tips: 8 Amtrak Money Mistakes To Avoid (From a Pro) appeared first on The Thought […]
It’s been a long time since I’ve written here. After nearly a decade on the road, we hung up our packs and have been living in one place for almost a year. There are also three of us now. Trin’s mom has moved in with us, and we’ve become caregivers. We’re living in a house […] The post Seasons with a Home Address appeared first on 43BlueDoors.