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Blog

Musings on personal finance and more...

Why you could benefit from a spending reset

It’s easy to spend based on emotions or with a lack of intention, so a spending reset can help you reconnect with what’s important to you. I’ve done some fun experiments with money over the years. I’m thinking most specifically … Read More … Read More

Why it’s time to stop your scarcity mindset

The scarcity mindset is related not only to personal dissatisfaction but also to societal wealth inequality, so it’s time to put an end to it. As time goes on, I become less interested in the things that save you $5 … Read More … Read More

If you were automatically enrolled in an IRA, would you opt-out?

A look at the state-run auto-IRA plans and whether they are a net benefit for employees who don’t have (or utilize) other retirement options. Not everyone has access to a workplace-retirement account like a 401(k). A few years ago, I … Read More … Read More

Year in review 2020: Top 10 posts

A look back at the best posts of 2020 on this site, including both my favorites and the ones readers viewed most. It has been a year of changes, to say the least. I went full-time as a money coach, … Read More … Read More

Glide paths, or why even simple money decisions aren’t always so simple

Target date funds use differing ways to adjust investments over time, showing that even simple money decisions have unexpected complexity. I’m not here to suggest specific investments for your money. Not only is it a legal thing, but to me … Read More …

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Why you want to build a financial team

A fortuitous experience with an insurance agent reminds me that we shouldn’t do all the financial work ourselves, that we need a financial team. I signed up for health insurance on the Marketplace. Healthcare.gov. Obamacare. Whatever you want to call … Read More … Read More

Why holiday shopping is more complex this year

Black Friday deals have a greater urgency this year because of the pandemic, but it doesn’t mean that you should do your holiday shopping indiscriminately. I can’t lie; I’ve always had challenges with this time of year. It’s not the … Read More … Read More

7 things I’m grateful for toward the end of 2020

A brief pause at Thanksgiving to talk about some things I can be grateful for in the closing weeks of 2020. 2020 hasn’t been great. Between the pandemic and the U.S.’s abominable response (not just the government, but also the … Read More … Read More

Why you may want to ignore the 4% rule for retirement withdrawals

The creator of the “4% rule” for safe retirement portfolio withdrawals doesn’t even believe in 4% anymore. That’s good news, as the actual safer percentage appears to be higher. So you’ve spent decades of your life building up a sizable … Read More …

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Don’t stop, no matter how (painfully) long it takes

In light of the 2020 election, it’s worth remembering that some dreams take years to come true. Or even decades. History says, Don’t hopeOn this side of the grave,But then, once in a lifetimeThe longed-for tidal waveOf justice can rise … Read More … Read More

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