Understanding Your IRA Required Minimum Distributions (RMDs)
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After you reach the age of 70 1/2, the IRS requires you to begin taking minimum distributions from your traditional retirement accounts.

Safe Withdrawal Rate Adjustments
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Assumptions about these adjustments to your net worth should be made carefully and conservatively.

How to Factor Social Security into Your Safe Withdrawal Rate
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Carefully computing and adding your Social Security early retirement safe withdrawal rate can safely boost your early retirement standard of living without jeopardizing your future finances.

Why You Should Use a Donor Advised Fund
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We highly recommend a Donor Advised Fund for generous investors.

Can I Write My Own Estate Plan?
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The shortest answer is yes, you can. But just because you can, doesn’t mean you should.

How Frequently Should I Redo My Estate Plan?
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Here are the most common reasons that your plan might need to be updated or revised and what to do about them.

How To Correct Excess Roth IRA Contributions
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Regardless of the reason, if you have put too much money in your Roth IRA, the solution is the same.

What is a Backdoor Roth?
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Even over the income threshold, you may still be able to add funds to your Roth IRA with what is called a backdoor Roth.

When Should You Stop Funding Your HSA?
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You’ve opened your HSA and funded it for several years. When should you stop funding it?

How to Avoid a Down Payment on a Mortgage
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If you prefer to keep your down payment money invested in the markets for longer, there are two alternatives.

How to Keep Your Identity Safe Online
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Here are some rules for handling your digital security.

Which Retirement Account Should I Fund?
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Which account you should fund depends on your circumstances, but here are some general guidelines you can follow to make your decision.

How Much Umbrella Insurance Do I Need?
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Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.

Education Improvement Scholarship Tax Credits
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Virginia taxpayers can give generously and offset the cost of those gifts through tax credits and the avoidance of capital gains taxes.

How to Convert Taxable Savings Into Your Roth IRA
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Most tax professionals don’t think of such tax planning opportunities, because they have to focus on complying with tax accounting regulations.

Our 10 Most Popular Posts So Far
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We have 1,292 posts on Marotta on Money, but here are the 10 most visited posts on our blog.

Lessons From The Lottery
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For those of us who don’t like playing the lottery, does the lottery have anything to offer us?

How to Save for Large Fast-Approaching Expenses
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The average married couple has dreams of multiple children, annual vacations, and homeownership, but planning for these expenses can be challenging.

How to Take Advantage of Student Loan Forgiveness
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You might think that you can’t qualify, but many well-paid families are eligible.

How Quickly Should I Pay My Student Loans?
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For those who do not want to be investors, a fast-track repayment may be best. But for those willing to save and invest, there is a better option.

How to Intentionally Realize Capital Gains
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Careful tax planning can avoid much of the capital gains tax.

The Complete Guide to Automating Your Savings
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After automating your entire investment plan, you can save and invest without even having to watch.

How to Select Securities
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Your investment strategy is critically important but the implementation requires wise fund selection.

Defining Your Sectors
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The process of defining your sectors is an attempt to identify the quintessential features of your strategy and formalize your selection criteria.

The Asset Allocation Within Your Asset Allocation
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It is good to take the two categories which are most similar and use them as underlying sector divisions within the same larger asset class.

Your Asset Allocation Should Be Priceless
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The value of not running out of money when making withdrawals cannot be measured.

Radio: Employment Tips for Recent Grads

David John Marotta and Megan Russell were interviewed on the radio discussing ways recent graduates can make themselves more attractive to employers in today’s tough job market.

The Art of the Rebalancing Bonus
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Portfolio design and rebalancing is both a science and an art. Knowing that rebalancing boosts returns is useless unless you as the investor follow through.

How to Get Jobs for “Unemployable” Degrees
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The list of jobs for a History major seems quite short: Historian and Historic Preservation come quickly, then maybe Politics, if you think particularly hard about it.

The Science of the Rebalancing Bonus
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Rebalancing can both boost returns and lower volatility, but most investors do not understanding how.

The A’s of Government (2012 Budget)
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This is a complete list of the budgets and purposes of the federal agencies that begin with the letter A.

Cost-Benefit Analysis for Financial Planning
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The cost of commission-based advisors are so hidden that you may be paying more than you realize.

Schwab Intelligent Portfolios: Services Not Provided
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A computer algorithm cannot help you with these things.

Schwab Intelligent Portfolios: Incomplete Rebalancing Algorithm
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See our review of the two pros and nine cons of how Schwab monitors and rebalances portfolios.

Schwab Intelligent Portfolios: Built on a Faulty Premise
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It is a great marketing campaign, and the service is a wonderful idea, but the asset allocations of SIPs aren’t actually that intelligent.

Stock Ownership Is a Bad Strategy for Social Change
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You cannot help a company by buying its stock.

Did Obama Violate an SEC Regulation?
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From the blind eye of the law, this seems like a violation of SEC regulation.

Twitter’s Reign of Terror
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“They find whatever is different and peck it to death.”

“Citizenfour” Reminds Us We Should Still Be Outraged
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The domestic spying of the executive branch deserves our outrage. Efforts like “Citizenfour” that keep the issue in the public eye deserve our support.

Three Reasons To Engage In Gift Giving
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The new holiday cliché is to complain about hyper-materialism, but gifts and gift giving help shape our identities.

The President’s Impact
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Obama evidently believes that politicians are elected to make a difference in the lives of Americans. The problem is that no one can opt out of a federal impact.

Wealth Redistribution and the Most Social President
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The loudest tend to drown out competitors regardless of whose reasoning is better.

One Hidden Way the IRS Hurts the Bereaved
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It is often said that the only two certainties in life are death and taxes. The IRS takes that truism to heart.

The Success of Freedom Investing
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It is a simple thought experiment. Would you rather invest in South Korea or in North Korea?

Understanding Cash Flow Is Critical
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Regardless of income level, overspending causes poverty.

The Delirious Happiness of Free Market Choice
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Here is one of the most brilliant breakthroughs in all of food science and how it relates to almost every aspect of life.

Obama Acts Like a Mob Boss, But There Is a Solution
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A mob boss exercises absolute control over his many followers and profits from the often criminal activities of his organization.

Contact Lens Regulations Cost Consumers Billions
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It is illegal to sell contacts in the United States without requiring a prescription. A Federal Trade Commission regulation provides penalties of up to $11,000 per violation.

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