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Our Articles

Radio: Best Practices For Using Credit Cards
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On Tuesday, April 11, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about best practices for using credit cards.

#TBT Remembering June 5, 2013
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There is an illusion that the executive branch will handle the collection of all our data with respect and care. I hope that current times can shatter that illusion for you.

Access $1,500 Per Child for K-12 Students in Virginia
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These grants are called “K-12 Learning Acceleration Grants” and must be used to pay for “qualifying education services.”

Federal Debt Burden May Settle 2026 Tax Uncertainty
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I have difficultly imagining a likely outcome where I would regret a Roth conversion.

#TBT Keep Track of Your Roth Contributions
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If you made a Roth contribution this year, here is a reminder to update your contribution basis records.

A Thoughtful Reply to the Debt Ceiling Crisis
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While there can be a lot of uncertainty, the conclusion is normally anticlimactic.

Radio: The Debt Ceiling (2023)
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On Tuesday, January 10, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about the current debt ceiling discussions.

#TBT Do I Want To Give My Financial Advisor Discretion on My Account?
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This is only a good idea if your financial advisor is covered under the fiduciary duty and is fee-only.

The Best Way to Plan for Inflation is to Discount It
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By discounting portfolio returns to only real returns, we have already considered inflation in the planning targets.

Freedom Investing in Review (April 2023)
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This quarter, we saw that in 1-year returns ending April 30, 2023, Developed Freedom Investing had a -2.99% disadvantage, Emerging Market Freedom Investing had a +1.85% advantage, and Overall Freedom Investing had a -0.4% disadvantage.

#TBT Everyone Needs Some Frivolous Purchases
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Everyone needs some fun in their life, and sometimes fun costs a little money. This 2004 article shares six guidelines for dealing with purchases that might be considered frivolous.

2023 Index of Economic Freedom Update
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Last year, thirteen countries made our cut-off. This year, eleven do.

No Guidance on 10-Year RMD Stretch Despite Headlines
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We recommend waiting for the final guidance but being prepared for some sort of required distribution this year.

#TBT How to Handle Your Paycheck Like a Boss
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This throwback to Libby’s first article at Marotta teaches us how to be prepared for life’s expenses and plan ahead for all future goals.

Real Return of Stocks and Bonds by Inflation Type
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If you are expecting high inflation, it may be stocks which offer the greatest security against the diminishing dollar.

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