Radical Finances

Tarot cards

How to know when it’s time to get conservative about investing for retirement

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The conventional wisdom when it comes to investing for retirement, is that you to start out with more risky/lucrative investments when you’re young and can afford to take more risks, and then over time move into more conservative prospects, towards … Read More … Read More

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Remember who you’re doing it for

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We talk so much about getting on track with your finances, making progress, breaking old behaviors and forming new patterns. We know why we’re doing it, usually. For me, I believe we’re doing all this so that we can feel … Read More … Read More

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Trophies

Getting rid of PMI (part 5): The moment of truth?

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Part of a series: Getting rid of PMI (part 1): The P stands for “parasite” Getting rid of PMI (part 2): The M stands for “misdirection” Getting rid of PMI (part 3): The I stands for “I already told you” … Read More … Read More

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White Cliffs of Dover

Getting rid of PMI (part 4): Hard work vs. a risky shortcut

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Part of a series: Getting rid of PMI (part 1): The P stands for “parasite” Getting rid of PMI (part 2): The M stands for “misdirection” Getting rid of PMI (part 3): The I stands for “I already told you” … Read More … Read More

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Getting rid of PMI (part 3): The I stands for “I already told you”

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Part of a series: Getting rid of PMI (part 1): The P stands for “parasite” Getting rid of PMI (part 2): The M stands for “misdirection” Getting rid of PMI (part 3): The I stands for “I already told you” … Read More … Read More

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Train track junctions

6 example ways to invest your 15%

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Save 15% for retirement. You’ve heard it all before. And now you know how you determine how to determine which investment vehicles comprise that 15%. But with so many different options and scenarios, it’s easy to get lost. So here … Read More … Read More

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Fire rainbow

Getting to 15%: How to determine the best investment vehicles

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I believe that the optimal target when saving for retirement is to put away 15% of your income. Potentially more, but certainly not less. Here’s why. Getting to the point where you’re ready to put down 15% is hard. You … Read More … Read More

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Purple flower

How to open a savings account with Ally

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(Note that I don’t receive any commissions for posts like this. This is just, like, my opinion, man. Nevertheless, please read my disclosure policy.) For the longest time, the standard for an online savings account was a bank called ING Direct. … Read More … Read More

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Red buckets

Where to put your buckets

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[Hi all. I’m at FinCon this week, and while I wanted to write a post about it while I’m here, it’ll have to wait until I get back. In the meantime, the show must go on!] I’ve talked about the … Read More … Read More

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Medical files

Can you use an HSA to save for retirement?

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Last time, I talked about the health savings account (HSA), and how it offers an unprecedented triple-tax advantage: the money you contribute for qualified medical expenses is tax-free, grows tax-free, and can be withdrawn tax-free. It’s like your own little shell … Read More … Read More

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