Are Stocks Less Risky with Time?
Stocks and Time People say that stocks get less risky the longer you own them. Stocks are riskier the longer you hold them. You know: don’t invest money you need soon. But for the money you need in retirement, […]
Category Archives: Financial Independence
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ACA Tax Credits or Roth Conversions in Early Retirement
Choosing between Premium ACA Tax Credits and Roth Conversions in Early Retirement Health care is perhaps the most challenging decision in early retirement. Healthcare insurance is expensive, yet the risk of inadequate coverage is potentially devastating. For an early retiree […]
Flexible Estate Plans
Qualified Disclaimers: Flexible Estate Plans A Flexible Estate Plan allows decisions to be made in the future when more is known. Qualified Disclaimer Estate Planning is flexible and tax-efficient. Pay attention if you have beneficiary forms that control how assets pass […]
Grandparents Gifting Money to Grandkids
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? […]
Using 529 Plans as Bonus Retirement Accounts
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 […]
Should I Self-Insure Long Term Care?
Self-Funding Long Term Care Building wealth and self-funding long-term care insurance gives you the best of both worlds. Since there are no good options for long-term care insurance, the baseline case is self-funding. Neither Medicaid nor insurance are great options; […]
Does Mortgage Acceleration Work?
Velocity Banking Calculator Does mortgage acceleration work? How can you more efficiently use your paycheck to accelerate your mortgage payoff? Use “offset accounting” to make interest while offsetting or reducing the balance of another account. So, for instance, you have […]
SEPP 72(t) in Early Retirement
Planning for a SEPP 72(t) and FIRE Learning about 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 build a 5-year […]
Cashing Out a 401k to Invest in Real Estate
Cash-out a 401k for real estate investors Have you thought about cashing out a 401k to invest in real estate? Real Estate Investors invest in real assets rather than retirement accounts. Investors with significant qualified retirement accounts discuss cashing out […]