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Our Articles

Be the One Who Can Write That Check
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It is perfectly fine for you to underspend your assets. You don’t need my permission, but you have my blessing anyway.

Q&A: Wash Sale: VFIAX and VOO?
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The IRS has very limited case law on what constitutes a substantially different fund. However, here is what we do in our own trading.

#TBT How Not to Go Broke at Thanksgiving
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As the season of holiday shopping approaches, this 2018 article reminds us, “Before you throw your money at various companies, squirrel some savings away for your future self.”

How the Wealthy Can Take Advantage of Health Insurance Subsidies for 2023 Onward
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You may be surprised by the amount of subsidies you can receive.

A Very Conservative Gone-Fishing Portfolio of Vanguard Mutual Funds
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I share this story here in case others in a similar situation may benefit from seeing this example.

#TBT How to Spend: Add It To Your Wishlist
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A wishlist is a force of thrift both for you to defer your consumption and for your family and friends to ensure that all the value of their gift makes it to your heart.

Your Social Security Benefit Lags Inflation
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There are at least two reasons why your Social Security benefits are failing to keep up with inflation.

How to Open a Fidelity HSA and Transfer HSA Bank Assets
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Going forward, the Fidelity HSA® is my primary recommendation for an HSA custodian.

2023 Contribution Limits
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Twelve-month inflation for all items ending in September 2022 has been 8.2%, so it is not surprising that the 2022 contribution limits have seen more increases than normal.

Lessons for 2022 from My 1983 First Mortgage at 11.5%
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We haven’t seen high interest rates in many years, but high interest rates do not remove the potential benefits of having a mortgage.

The IRS Waives 2021 & 2022 Penalties Because Its Unclear How the New Inherited IRA 10-Year Rule Works
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In 2019, the SECURE Act changed how inherited RMD rules work. After many IRS notices, we now aren’t sure how the new rules work.

Bear Market Continues Through Third Quarter 2022
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While it is counterintuitive, the lower the market falls, the safer it is to be invested.

Stocks are On Sale (October 2022 Dynamic Tilt)
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The lower the market falls, the safer it is to be invested.

Freedom Investing in Review (September 2022)
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This quarter, we saw that in 1-year returns ending September 30, 2022, Developed Freedom Investing had a -0.44% disadvantage, Emerging Market Freedom Investing had a -0.34% disadvantage, and Overall Freedom Investing had a +0.14% advantage.

Three Places You May Need to Update Your Schwab Routing Number
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This year, Charles Schwab will be retiring the outdated PNC Bank ABA routing number, 031000053, that was issued for Schwab One accounts that activated the “Payment Features” on the account prior to March 2012.

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