How The Rule of 55 gives you more retirement flexibility

The Rule of 55 allows you to take penalty-free retirement distributions, giving you increased flexibility even in adverse circumstances. … Read More

What’s up with OregonSaves?

A program designed to help Oregonians save for retirement is a great option, assuming your employer knows to sign up. … Read More

It’s not enough to deposit money in your investment accounts

If you just deposit money in your investment account’s settlement fund and stop there, it could cost you hundreds of thousands of dollars. … Read More

Roth, IRA, 401(k), oh my! How to figure out where to put your investment money

If you’re confused about where to put your investments and in what order, I break it down to a simple order. … Read More

Why do we care about the stock market’s daily moves?

There is no practical reason for most people to follow the up and down moves of the stock market, and plenty of reason to ignore all of it. I listen to NPR a fair amount, mostly when I’m in the … Read MoreRead More

Debunking Ben & Arthur: How to win at investing even if you start later

The parable from the Dave Ramsey team about Ben and Arthur is fatally flawed, which is good news for pretty much everyone. Everyone knows that you should start saving for retirement early. And that makes sense. The sooner you start, … Read MoreRead More

Why I don’t talk about FIRE

I discuss the FIRE (Financial Independence / Retire Early) movement, and how it falls short for so many of us, despite all of the hype. FIRE (Financial Independence / Retire Early) is a financial strategy or philosophy that encourages minimalist … Read MoreRead More

How will you spend your time in retirement?

While preparing for the financial aspect of retirement is important, it’s also vital to figure out how you’ll spend your time too. When you think of retirement, what comes to mind? (Okay, you probably are feeling some dread that you’ll … Read MoreRead More

More earnings than contributions: your next retirement tipping point

I finally achieve the point in my retirement savings where I have more earnings than I do contributions, and I talk about what this means. I started my first Roth IRA when I was two years out of college. At … Read MoreRead More

The Saver’s Credit: Free money for retirement

I talk about The Saver’s Credit, and how some people who might have assumed it wasn’t relevant to them might qualify now. (Nothing in this post should be considered tax advice. Please see my Disclosure Policy.) The pandemic probably changed … Read MoreRead More