Adaptive Market Hypothesis

The Adaptive Market Hypothesis

The Adaptive Market Hypothesis in Evolutionary Investing   The Adaptive Market Hypothesis is an idea in evolutionary investing. Most know that the stock market isn’t really efficient. But it isn’t entirely random either. At least we know the stock market […]

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15 year mortgage vs investing

15 Year Mortgage vs Investing

Should You Get a 15 year Mortgage or Invest?  15 year mortgage or invest? What if you could get a 15 year mortgage but chose to invest instead? Let’s look at a 15-year mortgage vs. investing! We can use professional […]

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SEPP 72(t) in Early Retirement

Planning for a SEPP 72(t) A SEPP 72(t) is a rite of passage on the journey to FIRE. Do you need a SEPP 72(t)? How can you model one? Or, wait, should I do a 5-year Roth Conversion ladder instead? […]

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11 Downsides to I-Bonds

Downsides to I-Bonds

I-Bonds – Any Downsides?   Why not own I-Bonds? What are the Downsides of I-Bonds? I didn’t jump on the I-Bond bandwagon that went through town when the adjustable inflation interest rate hit seven then 8%. Most newspapers and blogs […]

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MYGA ladder

MYGA vs CD, and MYGA Ladders

Why You Should Consider MYGAs instead of CDs MYGAs are good annuities. It is a shame that annuities have a bad rap. There are, however, good annuities that the advanced investor should consider. A MYGA (Multi-Year Guaranteed Annuity) may have […]

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best tax strategies for retirement

Best Tax Strategies for Retirement

Best Tax Strategies for Retirement What are the best tax strategies for retirement? First, we will discuss the tax planning window, the optimal time to do tax strategies in retirement. Next, not infrequently, that tax strategy is a yearly series […]

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Tax Rate Arbitrage

Tax Rate Arbitrage – to Roth-or-Not?

Tax Rate Arbitrage- to Roth or not-to-Roth Tax rate arbitrage is how you can mitigate a deal you made with the devil. You put a silent partner in charge of your pre-tax retirement accounts (IRAs and 401k retirement plans). As […]

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