What Happens When a Narcissist Hits an Effective Boundary Once you understand you are dealing with a covert narcissist, you must set clear boundaries to protect yourself. A narcissist finds boundaries intolerable because they lose control. So when setting […]
Direct Indexing or VTSAX? Direct indexing if you are the average DIY investor. The standard of care is VTSAX (or VTI), a 3-fund portfolio, or even 6-10 ETFs in your brokerage account with a smart tax-deferred pairing. When will […]
How Narcissists use Sandbagging Sandbagging is a way to self-discount such that the narcissist always appears grand. If we remember that grandiosity is central to a narcissist’s self-image, we can see how self-discounting and performing better than “expected” might be […]
IRMAA 2023 and Roth Conversions IRMAA stands for Income-Related Monthly Adjustment Amount. What a mouthful-She is a modest penalty for a high-income retiree to swallow. What you do now affects your IRMAA Brackets two years from now! Two aspects make […]
What Is Advice-Only Retirement Planning? Advice-Only Retirement Planning. My version is hourly planning, and you keep access to professional planning software to use in your future planning. Contact me PRN. Advice is the value.
Hope and Optimism Now and again, I turn to hope and optimism because it is fun. While I admit I’m a gruff pessimist most of the time, I hope and am optimistic for a better future. Hope is learned. […]
Awakening as Re-Discovery Awakening means re-discovering your buried heart and soul. Who is your authentic self? When awakened, you are curious about your thoughts. Also known as “metacognition,” while it is discovered from different paths, you better understand the […]
Unrelenting Self-Love You can have unrelenting self-love. You are not bad or broken! You never were! If you have lost your way in life, it might be time to reinvent yourself, starting with how you see yourself. Some call it […]
How can you maximize your social security bend points? Do you want to retire early but still get as much social security as possible? If so, you should understand the bend points of social security. Most financial planners don’t […]
