Radical Finances

The Semi-Joint Life: How partners can (partially) combine their finances

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When partners wish to share finances without going all-in, there is more than one way to set up both individual and joint accounts to maximize everyone’s feelings of autonomy and connection. I believe that there are four main ways that … Read More … Read More

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Why your goal is to not care about credit cards (if you even care today)

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As you build wealth, the reasons to use credit cards fall away even more. Recently I wrote about my own revelation that, while I love collecting (and using!) frequent flyer miles, eventually, with my own financial goals in place, I … Read More … Read More

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Why your goal is to not care about frequent flyer miles

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What the impact on wealth accumulation has on playing the frequent flyer mile game. I’ve been collecting frequent flyer miles for years now. I started collecting US Airways miles almost 20 years ago, but the idea that I would somehow … Read More … Read More

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

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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

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How to plan when you have irregular income

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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

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

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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

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

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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 … Read More

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Inviting the repo man in: Using a home equity loan to pay off credit card debt

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Some people cut up their credit cards. Some people have them but keep them in a drawer. Some people may use them, but pay them off at the end of the month. I can see arguments for all of these, … Read More … Read More

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The bridge: What you need when you retire early

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One of my life’s goals is to become financially independent. This means that I won’t need to rely on work to earn an income. (Yeah, it would be nice if we as a society could move to something approximating universal … Read More … Read More

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Book review: Everyday Millionaires

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I review the book “Everyday Millionaires” by Chris Hogan and its fundamental question: can anyone truly become a millionaire? The word “millionaire” has a lot of emotional meaning. It carries the weight of financial success, even if it doesn’t necessarily … Read More

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