Sequence of Inflation Risk Sequence of inflation risk may be a new phrase for you, but we all know that inflation significantly affects those in retirement. Now that inflation is back in the news, retirees want to know how inflation […]
Dog Whistling Narcissists know you so well that they publicly abuse you without others recognizing the abuse. So-called “Dog Whistling” is a covert form of gaslighting that narcissists use to trigger or disorient you in public or private. A […]
Getting Rich Vs. Staying Rich You get rich differently than you stay rich. Some get rich with concentration, and some stay rich with diversification. Concentration when you are young is your human capital. It can be your W-2 J.O.B. […]
Gatekeeping by Narcissistic Mothers Gatekeeping is common in otherwise healthy families and even more common during separation and divorce. Mothers may weaponize gatekeeping during custody disputes. Yet, it is known that paternal involvement by both parents is necessary for […]
Disability Insurance- When Should I Stop Once you are Financially Independent (FI), you no longer require income to pay bills. If you don’t need your income to pay bills, you don’t need disability insurance! So, when should you drop disability insurance […]
Roth Conversions are Longevity Insurance Roth conversions are a little like longevity insurance! Longevity insurance pays you more the longer you live. It protects against living too long a life. Social security is longevity insurance, too. Interested? Let’s talk about […]
Roth Conversions Let’s talk about what is new for Roth Conversions. The point: there are many different types of Roth conversions, and they may be affected differently by changes in the law in the next few years. Let’s start with […]
Widow’s Penalty: Increased Taxes after Loss of a Spouse What is the widow’s penalty? What happens at the death of the first spouse? After the emotions, there are also tax and financial implications: The Widow’s Penalty. Also known as the […]
A Step-by-Step Guide to the Mega Backdoor Roth The Mega Backdoor Roth is an excellent way for high-income earners to tuck away a ton of Roth money for retirement. There are a couple of things you need: High Income a […]