How to Optimize Tax Diversification Tax diversification is key to controlling taxes in retirement. Optimizing tax diversification is a yearly decision that depends on what your taxes are this year vs. every other year. Often, this means deciding to use […]
Asset Allocation Using RMDs Can you use Required Minimum Distributions (RMDs) to help determine your asset allocation in the retirement drawdown phase? Imagine you are living off your assets (taking an income from your nest egg). What might your asset […]
How Should Grandparents Give Money to Grandkids? How can grandparents give money to their grandkids? How nice of you to ask! Let’s start with tax-free giving and go from there! How Much Money Can a Grandparent Give a Grandchild Tax-Free? […]
Post-Separation Abuse by Proxy After divorcing a narcissist, post-separation abuse is common. When the narcissist uses another person to perpetuate the abuse after the relationship ends, it is post-separation abuse by proxy. Since narcissists continue to find supply post-separation, […]
Demographics and the US Economy in the 2020s There seems to be a worker shortage in the US right now. The job (and stock) market is hot despite recent dire recession calls. Why? What about Covid’s effect on the […]
Choose your Results When Investing How would you like to choose your results when investing? As it turns out, we all do! It is a common bias called the outcome bias. Also known as “resulting,” the outcome bias is […]
529s as Retirement Plans With Secure 2.0 allowing you to move leftover 529 money to a Roth IRA, is now the time to talk about 529 retirement plans? Should you use a 529 plan as a bonus retirement account? Of […]
Modeling and Building a Roth Conversion Ladder in Early Retirement Folks get confused when talking about Roth Conversion Ladders, a series of partial Roth IRA conversions, and backdoor Roth IRAs. Here, we are discussing early retirement and trying to access […]
The Story The story I’m telling myself right now is that I can choose what my history means to me. That means I can decide how much my history affects me. If history prevents you from having a better day, […]
