Radical Finances

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

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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

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How to pay off a $10,000 debt

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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

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Are people fundamentally good or bad?

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A false choice on judging people’s virtue is nonetheless responsible for whether we err on the side of helping too many or too few people. Oversimplifications are comforting. For some, the importance of saying, “this is right, and this is … Read More … Read More

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How to take advantage of a student loan payment freeze

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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

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It’s time to create your own unemployment insurance

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If you’re employed, you have the option to create your own unemployment insurance that’s even more flexible than what you get through work. Some people don’t seem to understand what “getting unemployment” is all about. Unemployment is a kind of … Read More … Read More

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How to lose $600 a week and still survive

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Millions of people who depend on unemployment just lost $600 in wages per week. Here are some tips on how to cope with a massive income loss. If you’re reading this from a place outside of the U.S., or from … Read More … Read More

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The Roth IRA danger zone (part 4): How to withdraw an excess contribution at Vanguard

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After having decided to remove my Roth IRA excess contribution, I went through the process at Vanguard for making it happen. More posts in this series: The Roth IRA danger zone (part 1): What to do when you almost make … Read More … Read More

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The Roth IRA danger zone (part 3): How I resolved an excess contribution

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With a number of different ways to resolve this problematic situation, here is how I dealt with an excess contribution to a Roth IRA. More posts in this series: The Roth IRA danger zone (part 1): What to do when … Read More … Read More

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Course review: How to Win the Game of Advanced Personal Finance

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I review “How to Win the Game of Advanced Personal Finance”, an online course by Ramit Sethi (from I Will Teach You Be Rich). A while back, I talked about purchasing a personal finance course. In response to the obvious … Read More … Read More

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Year in review 2019: Top 10 posts

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The top posts of the year on Empathic Finance, including both my favorites and the ones readers viewed most. At the beginning of this year, I made a big change to this site. After six years of blogging on a … Read More … Read More

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