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Musings on personal finance and more...

Do you really want to know what other people do with their money?

In my last job, there was a grassroots push to publish everyone’s salaries. A document was circulated in a clandestine fashion, and everyone was encouraged to enter their own salary details. This went around for a little while before it … Read More … Read More

Learning about my Social Security with “my Social Security”

When I was first starting out in the workforce, once a year I would get these forms from the Social Security Administration (SSA). It talked about stuff that felt largely irrelevant to me, but it did include a listing of … Read More … Read More

Is the 15% rule for investing before tax or after tax?

Once you’re out of debt, you’re ready to start saving for retirement. (Before you’re out of debt, you’re probably better off just focusing on that, though I think an exception is fair for extremely large debts like mortgages). A good … Read More … Read More

I’m going to FinCon, because you are not a money nerd

Why I’m going to FinCon 2019, and the difference between money nerds and the majority of people who just want to make money work for them. I admit it, I’m a money nerd. I read money blogs, read books about … Read More … Read More

If you’re looking forward to payday, you’re probably doing it wrong

I overheard a conversation recently about how someone was looking forward to payday, because they had “run out of money”. As always, I tend to wince when I hear people make financially questionable assertions: student loans are “good” debt, “I … Read More …

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How to plan when you have irregular income

Respect to all the freelancers, DIYers, and people out there without a steady paycheck. Also, your life is, shall we say, more complicated. With irregular income comes anxiety. How much will you make this month? Will it be more or … Read More … Read More

Would your future self say it’s too late now?

While it may seem like it’s too late for you to achieve your money goals, that’s not true. To prove this, think about your future self. When some of my peers turned 30, a common thread among some of them … Read More … Read More

Don’t try to run out the clock on your finances

It’s a sobering statistic: 1 out of every 1 person dies. If you are of a certain age, and your finances are not where you want them to be, it is understandable that a certain feeling of helplessness can set … Read More … Read More

The Roth IRA danger zone (part 2): What to do if you contributed too much

So we talked last time about the problems with being on the threshold of the Roth IRA income limits. If you make way too much or way too little, then you know where you stand in terms of being able … Read More … Read More

The Roth IRA danger zone (part 1): What to do when you almost make too much to contribute

A Roth IRA is awesome. There are lots of reasons, but the main one is that your money can grow and be withdrawn tax-free. So whatever you have in your account, that’s yours. Got a hundred grand? You’ve got a … Read More …

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