#TBT How to Make a Financial Independence Bucket
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In honor of the Independence Day of the United States, this 2013 article reminds us to prepare for our own Independence Day.

#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.

#TBT The Democratization Of Wealth
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George Marotta reminds us in this 2002 article, “Each person can best help society by developing his or her talents to the fullest. In the process, some will earn very large incomes, but that’s OK.”

#TBT How to Change a 529 Plan Account Owner
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When a 529 plan is set up, there are two important people associated with the account. The first is the account owner. The second is the beneficiary. Both can be changed.

#TBT Open a Roth IRA Today or Regret It Later
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Roth IRAs have one weakness, but the remedy is to have opened and funded your Roth more than 5 years ago. So do it today!

#TBT How to Pay Off Student Loans While Building Wealth
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With many of us saddled in student loan debt well into our late thirties, our retirement cannot wait for us to be debt free. This 2016 rewrite of a 2007 article teaches you how to get started with savings while repaying your loans.

#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.

#TBT Can a 529 Reimburse for Last Year’s Expenses?
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This article offers an overview of what we know about 529 reimbursement timing.

#TBT States with Tax-Exempt Interest from U.S. Debt Obligations
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As of 2021, here is an overview of how the states and jurisdictions handle interest on certain U.S. government obligations.

#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.

#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.

#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.

#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.

#TBT Diversify and Rebalance More Than Just Your Investments
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Life is volatile, risky, and on average rewarding. Diversification and rebalancing help to protect yourself from the volatility.

#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.

#BestOf2023 How to Use Form SSA-44 To Save Money
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If the form is accepted, the Social Security Administration will generally not only change your current IRMAA, but they will also use your Projected MAGI for the next several years. Here’s why.

#BestOf2023 At 65, Does the 5-Year Roth Rule Matter?
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For those over age 59 1/2, you would need to withdraw all funds attributable to basis before your withdrawal would be sourced from Roth IRA earnings and the age of your Roth IRA would matter for taxation.

#BestOf2023 Changes to RMDs for Those Born in 1951 or Later
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Later required beginning dates are generally advantageous to seniors, although the complexity surrounding RMD rules is nothing to celebrate.

#TBT High Wages Limit Catch-Up Options to Only Roth in 2026
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The Internal Revenue Service announced an administrative transition period that extends until 2026 the new requirement that any catch-up contributions made by higher‑income participants in 401(k) and similar retirement plans must be designated as after-tax Roth contributions.

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.”

#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.

#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.

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

Today, We Celebrate Saving Tuesday
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Saving Tuesday is the Tuesday before Thanksgiving. It is a day to squirrel some savings away for your future self.

#TBT Six Reasons to Sell for a Loss
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Here are six reasons you may want to sell for a loss.

#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.

#TBT Both Spouses Can Make The HSA Catch-Up Contribution
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The IRS is clear, “If both spouses are 55 or older and not enrolled in Medicare, each spouse’s contribution limit is increased by the additional contribution. Each spouse must make the additional contribution to his or her own HSA.”

#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.

#TBT Parental Reminder Number 42
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“Parental Reminder #42” reminds us that goodness is something bigger than we can articulate but, even though we cannot express it fully, it is very important.

#TBT Can I Use 529 Funds for Off-Campus Housing?
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Yes, but housing is one of many expenses that are subject to a reimbursement limit. Here’s how to do it.

#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 Testamentary Donor Advised Funds
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Your executor will be grateful for an easier way to settle that part of your affairs.

#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.

#TBT Don’t Delay Roth Conversions
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Waiting just one year means that you lose a portion of the growth in your traditional IRA to income taxes later.

#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.

#TBT The Minimalist Budget
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If you want to be really minimalist about your budgeting, here’s what we suggest: the 65-25-10 rule.

#TBT Should I Buy Commercial Real Estate?
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This article gives you the formula to decide how much to offer or if the property is a good deal.

#TBT Seven Elder Abuse Scams and How to Protect Yourself
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About 4% of elders falling victim to fraud with estimates that over $2.9 billion is lost to elder abuse every year. Being aware of the scams helps to protect yourself.

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