#TBT Implement the Automatic Millionaire at Schwab
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The best way to ensure that you save and invest is to automate the process.

#TBT Stress Is Not Your Enemy
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As David Marotta writes in this 2012 post, “If I had to pick one learned skill that has served me the best in my career, it would be learning to grab my mind by the scruff of the neck and drag it back to the task at hand.” This piece reminds us that hard work can sometimes be your best doctor.

#TBT Full-Nest Syndrome
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Many adult children are returning to live at home somewhat involuntarily. What can parents do to help? This 2011 article offers some wisdom.

CFP Board Cannot Be Expected To Discriminate Based on Fee-Only
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The CFP Board is compensation neutral, but it is only because of how they are paid.

Lower Expense Ratios, Higher Returns
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This simple example demonstrates the importance of expense ratio.

Charles Schwab Bank Fraud Dept Text Message Scam
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We recently had a client fall prey to a sophisticated Schwab Bank scam. They gave us permission to share this fraud story with you to hopefully prevent others from being scammed.

An Overview of Marotta’s 2024 Gone-Fishing Portfolios
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For our standard gone-fishing portfolio, we made two changes.

Marotta’s 2024 Gone-Fishing Portfolio Calculator
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This gone-fishing portfolio is our default portfolio which can be used at any custodian.

Marotta’s 2024 Vanguard Gone-Fishing Portfolio Calculator
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We recommend this gone-fishing portfolio for investors with brand loyalty to Vanguard.

#TBT Slow and Steady Wins the Race
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In 2003, David stopped to rescue a snapping turtle from 250 West. Even now, the financial planning lessons from that turtle are still sage advice.

#TBT What Are Normal Market Movements?
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It is common for investors to be surprised by movements in their portfolios. This 2019 article reminds us though that even volatile movements can be quite normal.

#TBT Learning to Live on Your Own
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Here are several tips on how to live richly on your own.

#TBT Frequency Matters More Than Height
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This 2009 article reminds us, “When we are worried about our expenditures, we tend to look at the dollar amounts more than the frequency of our purchases.” However, to combat mindless spending, we should look to trim recurring expenses first.

Implement a Savings Waterfall for 2024
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With a savings waterfall, you immediately know which buckets to fill when there is excess and which should remain dry if there isn’t enough for all your goals.

How to Ensure You Have a Strong Password
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With one memorable password protecting a vault of random ones, you can increase your security immensely while only mildly complicating your access.

Seven Rules to Using a Credit Card Safely
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These are the seven rules to using a credit card safely.

#TBT How to Keep Your Identity Safe Online
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This 2015 article has five rules for safely handling your digital security which you can’t afford not to implement.

In Roth Conversions, Reducing Political Risk May Be One of the Benefits
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Converting early can avoid your exposure to tax changes going forward as a Roth IRA is never taxed again.

#TBT Tackling College Costs at the Eleventh Hour
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The best way to climb the mountain of college costs is gradually, but if you need to make some last minute leaps, our government has a few tax-related strategies.

#TBT The Benefits of Free Trade Agreements
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Regardless of which way the balance of trade says the surplus falls, we and our trading allies benefit from the exchange.

#TBT The Delirious Happiness of Free Market Choice
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This 2015 article details one of the most brilliant breakthroughs in all of food science and how it relates to almost every aspect of life.

In Roth Conversions, Reducing Your Taxable Income is One of the Benefits
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Roth conversions can decrease your taxable income and increase your tax savings over the long haul.

#TBT Eliminate the Capital Gains Tax
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Maybe if we say it enough, it will actually get done. “The correct rate for the capital gains tax is zero, zip, nada. Perhaps it is even negative!”

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

What to Expect Now That the S&P 500 Reached 5,000
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If this level of volatility isn’t your expectation, you are not yet familiar with normal volatility in the markets.

#TBT Cash Has Been the Riskiest Investment
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This 2007 post reminds that because of inflation the value of cash trends down, encourages you to protect your portfolio against a falling dollar, and reveals an inconsistency with CPI calculations and actual inflation.

#BestOf2023 Why the Verizon Visa Credit Card is My Primary Card
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I have adopted this card as the primary one in my wallet for groceries and gas.

Tax Changes in 2026 (Radio)
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After over a decade of broken promises and rising costs, our need for a more sustainable tax system is acutely felt.

Account Funding Priorities for 2024
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A savings waterfall helps investors navigate the financial complexity available to them.

A Christmas Sermon from David Marotta
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This 2008 article is an uplifting, timeless sermon.

#TBT The Happy Habits of Appreciation and Gratitude
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This 2016 article reminds us that “there is a very simple place to start the process of changing our destiny: Each day notice the things that make you happy and try experiencing more of them.”

Health Insurance: How Did We Get Here?
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After over a decade of broken promises and rising costs, our need for a more sustainable healthcare system is acutely felt.

#TBT Estate Planning For A Family Business Balances Three Roles
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This whimsical 2004 post uses the hypothetical family business of Belle and the Beast to teach a valuable lesson about passing on the family business to the next generation.

#TBT Marotta on A Christmas Carol
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Charles Dickens’s A Christmas Carol is one of the best stories for talking about economics. This 2003 – 2012 series uses the classic tale to illustrate different financial personalities, principles, and philosophies.

In Roth Conversions, Reducing Your RMD is One of the Benefits
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Required minimum distributions are taxed as taxable income, the same as other types of traditional IRA withdrawals and Roth conversions.

#TBT Keep Christmas Your Own Way
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In “A Christmas Carol,” Ebenezer Scrooge calls Christmas a “humbug” because of the foolish way people celebrate it. This 2008 article reminds us that it is sometimes wise to simplify Christmas.

In Roth Conversions, Paying the Tax is One of the Benefits
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Taxes related to traditional IRA withdrawals only happen once. Meanwhile, the funds in your taxable account are subjected to taxation each year.

#TBT The Economics of a Thanksgiving Turkey
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This article should give you something fun to discuss this year.

#TBT How Can We Make Medical Insurance Affordable?
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We have written on the topic of healthcare reform multiple times, including our 2014 economics of healthcare series which culminates in this article.

The Lie Of The Century
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This lie was PolitiFact’s 2013 lie of the year, but we dub it the lie of the century.

Should I Change Financial Advisors Over Poor Performance?
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The fact that markets are down isn’t a good reason by itself to fire your advisor, but there are reasons to switch financial advisors related to performance.

#TBT Harvest Major Capital Losses Whenever You Have Them
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While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.

Why Did My CD Lose Money?
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Many people don’t understand how fixed income is priced, so let me take you through the math.

The Fickleness of Five-Year Returns
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Return reporting can create either darker or rosier pictures depending on the dates selected.

#TBT Which Products Do You Buy and Which Do You Avoid?
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We avoid investments we deem too risky or laden with fees and seek instead a well balanced, low-cost, diversified portfolio.

#TBT The Optimum Asset Allocation to Gold Is Always Zero
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Fearful of monetary or societal failure, many hope that owning gold will bring them peace of mind. This articles reminds us to get peace of mind a different way.

#TBT Five Things You Can Control
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You deserve an advisor who will help you with these five and more.

#TBT Invest Your Health Savings Account For Appreciation
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After a cash allocation for spending, we suggest you invest the remainder of your account in appreciating stocks.

Johnson and Johnson Corporate Offer (August 2023)
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We recommend ignoring this offer if you want more Health Care and taking this offer if you want more Consumer Staples.

#TBT Should I Wait Until After The End Of The World To Start Investing?
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Instead of waiting, remember that the greatest buying opportunity of your life is always right now.

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