There is a financial cage match article that I can’t write: debt vs. the emergency fund. It’s not hard to see why there isn’t a one-size-fits-all answer to question of what comes first before the other. How much debt you … Read More … Read More
Debt reduction and wealth building are part of the same process, so you are working toward your money goals even if you don’t think you are. I believe retirement is possible for us. But at the same time, I’m on … Read More … Read More
Retirement is a scary thing to think about. Many people think that they’ll never be able to retire, that they will be forced to work until they die. But it’s worth taking a look at what retirement is and whether … Read More … Read More
I run a discussion group in Portland called the Portland Integrative Finance Community. It’s been tremendously satisfying for me, but the feedback I’ve gotten from attendees so far has been remarkable. Many people have mentioned how positive it was to … Read More … Read More
I don’t necessarily think of one’s finances as a game (unlike, say, Tony Robbins), but more like a process, a challenge, a long task. Perhaps a kind of art. That said, I also think it’s useful and important to know … Read More … Read More
This week, I managed to lower my phone bill by over 25%. It was easy, and didn’t even require a call into the (dreaded) customer service. But there’s nothing special about me and my situation, and you can do the … Read More … Read More
When people think of employer-based retirement accounts like 401(k) plans, people often think that that implies pre-tax contributions. It’s only your own self-directed retirement accounts (IRAs) that have the post-tax (Roth) option. I used to be one of those people. But … Read More … Read More
What if I told I could get you an immediate 100% return on an investment? Would you believe me? According to the American Benefits Council, 80 percent of full-time workers have access to a defined contribution plan such as a 401(k) … Read More … Read More
I want everyone to be an investing expert. Thankfully, I also believe that simplicity in investing is best. Create a Roth IRA, put money into low-cost index funds, and repeat this every month. When I say “low-cost index funds”, I’m … Read More … Read More
If you’re like me, you may procrastinate, but you don’t like it. You don’t enjoy waiting until the last minute to get things done. And in general, it feels better to have some leeway, rather than cutting things close. However, … Read More … Read More
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