Retirement Spending Smile or Lumpy Expenses? A major puzzle in retirement are future expenses. How much money will you need to spend in the future? You have ‘guaranteed’ lifelong sources of income, such as social security, pensions, and income annuities. […]
Simple Strategies to Beat Your Broker They say the internet changed everything. Well, finally, that change has come to basic investing. It is now simple to beat your stock broker’s returns. And no, this is not clickbait headlines—at least […]
When a Narcissist Projects Gracelessness What happens when your narcissist asks for Grace? Capital G Grace because he is either playing the victim, dog whistling, or gaslighting. Since the narcissist asked for Grace, they are playing you (just like […]
Investing as Simple as Possible Investing made as simple as possible: Buy stocks when you have the money Sell when you need the money Simple and easy. But let’s get into the details to flush out what you actually […]
Investing Over Your Lifetime If you want the best returns and are committed to using evidence-based investing (low-cost, broadly diversified index funds with a factor tilt), you need exposure to risk assets. How much risk you take, well, that is […]
Tax Gain Harvesting Examples and FAQ Should you Tax Gain Harvest? Maybe! Let’s explore if you can and how to harvest capital gains and find out if it is worth the hassle. When is Tax Gain harvesting right for […]
Upstream Gifting and Gifting Gains What is upstream gifting? What if you gift your elderly parent an asset with massive capital gains? What if they held them until they get the step-up in basis at death, and then you inherit […]
Codependency Codependency is hard to wrap your mind around. I couldn’t do it for 20 years. It just never made sense to me; it was as if the synapses wouldn’t fire. Now it is not as if the term […]
Doctor “Financial Advisor” is Why Fiduciary is Meaningless Fiduciary is meaningless when describing financial advisors. Fiduciary is a shortcut for fee-only, meaning you don’t accept commissions or sell insurance products. But it doesn’t mean you provide common sense recommendations […]
