Weeeeee. More nerdy finance talk. I’m literally gitty. A common question that comes when we begin the discussion of retiring early, revolves around how to set up your investments so you can take money out for income in retirement. Most people know that with certain accounts, you are not (techn
One of the big sadness’s of my life revolves around people’s spending habits in the US (and elsewhere I am sure). So many people talk about how they have money stress and feel like they just cannot get ahead financially. Traditionally, they blame low pay, the cost of goods, the governmen
A few days ago, an article came out discussing the amount you would need to retire based on the state that you plan to retire in. We all know that many states are not particularly friendly states for retirees due to higher cost of living, higher state income taxes, and more. People can often reduce
Recently (as of this post), the National Financial Educators Council (NFEC) conducted a survey that asked American adults to estimate how much money they had lost in 2024 due to lack of financial knowledge. You can read the post here – Financial Educators Council Post A total of 1,200 people r
One of the financial pieces that you should think about revolves around the kind of investor you are and want to be. Understanding the type of investor you are can help you understand what steps you should be taking to improve your financial picture. For instance, if you want to be a hands-off inves
I’m sure, if I ask a room of 100 people “Who here loves to budget?”, we would get like 99 hands that excitedly raise up, right? Everyone loves to budget, which is why I am so excited to write about this topic. Back to realty. The paragraph above was sarcastic, in case you couldn
In the last post of this series, we went through some of the basics of the fees that have historically been charged by the Mutual Fund and Exchange Traded Fund world. That is, in conjunction with an example of a fee ratio charged by my prior employer sponsored retirement account manager and others.
Let’s start this post with quoting someone who is smarter than me. Luckily, with the internet available to us, that is not too difficult to find. The person we are going to quote is Tony Robbins, in his book “Money: Master The Game: 7 Simple Steps to Financial Freedom”. Though much
How are your current money habits? Like most Americans, your money habits are likely not perfect. You probably have fears about money, excitement about money, and maybe even guilt about the money you have, that others don’t. You may also have thoughts about how much money you deserve to have,
You likely hear/see financial educators or finance guru’s say things like, “Just go open a brokerage account online”, or “Make sure you own low cost Index Funds”. But, us financial educators often neglect to notice that many people don’t know how the heck to do th
