DIY Direct Indexing
Direct Indexing or VTSAX? Is Direct indexing a good option for the average DIY investor? The standard of care is VTSAX (or VTI), a 3-fund portfolio, or 6-10 ETFs for factor investing. When will direct indexing be better than […]
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Best Retirement Podcasts 2024
Best Retirement Podcasts 2024 Which podcasts are the best retirement podcasts for 2024? I like retirement podcasts, which are information-rich and focus on the planning or financial aspects of retirement. Other podcasts that cover the purpose and emotions of retirement […]
Cash Flow Index – A Better Way to Crush Debt?
Cash Flow Index vs Debt Snowball? Cash flow index. Who knew there was a third strategy for debt repayment? Traditionally, Dave Ramsey’s followers subscribe to the debt snowball in which the smallest debts are paid first to free up money […]
Physician Net Worth at Retirement
Average Net Worth of Physicians at Retirement Some physicians are excellent accumulators of wealth. Most are not. What is the average net worth of physicians at retirement? Doctors are a heterogeneous lot; this much is true. Let’s review the epidemiology […]
Audaciously Authentic
Self-Acceptance in Retirement Working people introduce themselves by what they do. When you retire, you introduce yourself and say who you are. You have a different identity pre-retirement than when you retire. As we shift from “what you do” to […]
Are Target Date Funds Useful In Retirement?
Are Target Date Funds Useful In Retirement? Let’s discuss reasons not to use target-date funds during the retirement drawdown phase. A fund-of-fund (like a target-date fund) is simple, efficient, and easy to manage during accumulation. Remember, though, that everything […]
Who Pays the Taxes on Your IRA?
IRA Legacy Planning Let’s look at IRA Legacy Planning. IRAs are tax timebombs, and someone will pay the taxes. Who? You, Your Spouse, or Your Kids? Do you and your spouse want to pay the taxes or leave them for […]
The Portfolio Size Effect
Get the Last Doubling – The Portfolio Size Effect The portfolio size effect leads to a tough decision: a tradeoff. All investment decisions are tradeoffs. You want to get what you can from the market before you retire while […]
SLATs — I want an Estate Tax Problem!
SLATs If you have succeeded in gathering and protecting assets, you may have a Federal Estate Tax problem. Consider a SLAT. How about that for a new financial goal: I want an estate tax problem! Worried about Estate Taxes? […]