Spending and saving are flips sides of the same coin. So, by definition, what you don’t spend, you save.
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Should you rent or buy your home?
I’m asked this question often and my two cents on this topic may be counter-intuitive to more conventional wisdom and often meets with resistance.
Teach Your Children Well
Creating good personal finance habits in our children is challenging. They probably won’t appreciate your guidance now, but years later they may look back fondly on your […]
The Best Way to Save is a Health Savings Account
What is the most tax-efficient way to save money? A good guess would be a Roth IRA. That’s hard to beat, but if you qualify, a Health […]
Ode To A Roth Retirement
For most people in most situations, a Roth retirement account is better than a pre-tax 401K or IRA, but keep in mind that either is better than […]
Creating a Budget
What is the most effective way to spend less and save more? Using a budget and tracking your monthly spending is the best approach.
The Risky Business of Investing in Stocks and Bonds
Everyone wants the upside gains of investing in stocks but without the risks of doing so. That’s understandable but not how it works. In this note, I’ll […]
Car Talk
For most anyone, leasing a car does not make financial sense compared to buying one. Why not? Well, a car lease is carefully designed to befuddle you with complexity […]
Are you in the 4%?
You may have heard about the 4% rule for retirement spending. It’s a simple but imperfect guide to how much you can safely spend each year during […]
70 Is The New 62
What is the best age to claim your Social Security benefits? Most people do so soon after age 62 but, most of us should delay until age […]
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