Decisions

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

Posted by on | Featured

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 … Read More

Tags: , ,

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

Posted by on | Featured

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

Tags: , , , ,

Why a new fee on mortgage refinancing shouldn’t affect you

Posted by on | Featured

Refinancing a mortgage is getting pricier due to the Adverse Market Refinance Fee, but refinancing doesn’t offer the benefits you think. There’s a new fee in town. The Federal Housing Finance Agency has instituted a 0.5% fee on refinancing of … Read More … Read More

Tags: , ,

How to pay off a $10,000 debt

Posted by on | Featured

Paying off debt requires drive, focus, patience, and accountability. In this post I show how you can pay off a large debt. In a recent YouTube video, I talked about a hypothetical $10,000 debt. Now, for many people, this sort … Read More … Read More

Tags: , ,

Should you let your partner handle your money for you?

Posted by on | Featured

When you share finances with a partner, you can outsource the budgeting to the one who is most interested, but there are good reasons not to. After doing this for many years, I’ve learned a surprising fact: not everyone is … Read More … Read More

Tags: , ,

How to take advantage of a student loan payment freeze

Posted by on | Featured

During the student loan payment and interest freeze, if you are able to make payments now, you’ll have a much greater impact on your loans. A lot of the benefits that were passed to ease the crisis for people dealing … Read More … Read More

Tags: , ,

Freed from the golden handcuffs: the surprising joy of being laid-off

Posted by on | Featured

Anyone can feel like they have golden handcuffs even if they don’t make a lot of money. But breaking free can give you surprising relief. There is a lot to be unhappy about right now. Rampant injustice, an economy that … Read More … Read More

Tags: , ,

Where you can find me on social media (and why)

Posted by on | Featured

An update on my social media channels, including reasoning for why I’m on (or not on) certain sites. A few years back, I talked about what social media I was using (and, more to the point, not using). It’s a … Read More … Read More

Tags: , , , , ,

If you’re thinking about taking an early withdrawal from your 401(k)

Posted by on | Featured

New legislation eliminates penalties for some early withdrawals from your 401(k). However, just because you can doesn’t mean you should. UPDATE: This legislation has expired as of the end of 2020. Penalties will apply again for early 401k withdrawals. These … Read More … Read More

Tags: , ,

The affiliate trap: How professionals can lose both trust and income

Posted by on | Featured

Amazon just severely changed its commission rate, showing how easy it is to lose not only trust with affiliate marketing, but also income. There are many ways that flout conventional wisdom in building my financial coaching business. For one thing, … Read More … Read More

Tags: , ,