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Are you on the hunt for a new set of wheels but feeling a bit lost on whether to lease or buy? In today’s chat, we’re diving into the dollars and cents and thoughts and feelings of leasing versus buying, so you can roll away with a ride that suits both your style and your bank account. Leasing...
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Are you a big law professional looking to take control of your financial future? Then this comprehensive guide to financial planning is just what you need. As a high-earning lawyer, it’s important to make strategic decisions about your money to ensure long-term success and security. In this article...
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Many couples find themselves living a DINK lifestyle – dual income, no kids. What are the benefits and drawbacks? Let’s find out. You’ve seen them on Instagram. You know, those carefree couples who are always jet-setting from one exotic destination to the next. Like the guy and gal you met a...
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Are you making investment decisions based on recent events? If so, you may be falling victim to recency bias. When it comes to investing, it’s easy to get caught up in the latest news and let it influence your investment choices. However, this cognitive bias can have serious consequences for y...
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As a government worker, planning for your financial future is essential. Navigating through the maze of pension planning strategies can seem daunting, but with the right approach, you can unlock a secure and stable financial future. In this article, we will explore tailored pension planning strateg...
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Gen Y, also known as “Millennials,” were born between 1981 and 1996, ranging in age from their late twenties to early forties today. Despite many objective challenges, Millennials are increasingly establishing themselves in the workplace, which means their earnings are increasingly likely to ...
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So, you’ve been diligent and maybe even a little frugal. You’ve squirreled away money in IRAs, a 401k or two, perhaps a 403b… Hopefully, enough to enjoy a well-deserved, comfortable retirement. To reward you, Uncle Sam (and possibly your state taxing agency) gave you tax deductions to mak...
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If you’re far from retirement (or “work optional” as I prefer to call it), using the good old 4-percent rule isn’t a bad guideline for how much you need to save. However, as you get closer to the finish line, like me, you’re better off upping your game a few notches. And it isn’t all that...
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We often dismiss something we hear because the messenger is suspect. Usually, it’s because they’d benefit from us taking the action they call us to take. This is completely understandable in an environment where we’re constantly bombarded by ads trying to entice us into forking over our h...
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There are a few things many of us need to give up in order to move towards a more prosperous and financially secure future. And no, I’m definitely not talking about lattes and avocado toast. Old Habits Many of us cling to bad financial habits out of comfort or perhaps an inaccurate or ...
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More than half of currently-in-work Americans say they don’t have enough saved for retirement , and those who are closest to traditional retirement age are those most likely to say they’re just not ready (financially speaking) to retire yet. There are a few reasons for this, including the pheno...
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The economy may be humming along strongly, but many Americans appear worried about their finances. For those seeking professional advice, a longstanding question often arises – Do financial advisors need to know everything? Or is it ok to keep a few secrets? For many people, hiring a financial...
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With the cost of housing and groceries surging in recent months, many retirees have seen their budgets get busted simply trying to maintain the quality of life they have enjoyed for years. Surveys now routinely show most Americans believe they need significantly more than a million dollars to affor...
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Despite a strong economy and many workers earning higher wages, 2023 has left most Americans tossing and turning over their finances. Trying to keep up with the Joneses appears partly to blame. Sixty-nine percent of American adults report losing sleep over job security worries, and three-qua...
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Concerns about inflation, interest rates, and debt levels have dominated the public discourse as the world recovered from the global pandemic. Yet it’s the increased tax burden weighing heavily on the minds of many Americans. Sixty percent of Americans feel they are paying too much federal inc...
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In recent years, elderly care has undergone a significant transformation as an increasing number of seniors enter their golden years healthier than previous generations. As evidenced by trends found in online searches, fewer Americans are seeking around-the-clock nursing home care, as assiste...
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Financial planning involves more than just dollars and cents; it’s about securing your future, meeting your life goals, and finding peace of mind. Given the intricacies of the financial world, professional guidance can be invaluable. Unfortunately, the popularity of social media has contribut...
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The Internal Revenue Code (IRC) offers some great opportunities to dramatically reduce your taxes in certain situations. It also has pitfalls you’ll need to avoid if you don’t want to pay more taxes than legally required. The 83(b) election is a great case in point… What Is the 83(b)...
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How do I know if I’m ready to hire a financial advisor? You should strongly consider hiring a financial advisor if you have a significant amount of money available for saving or investing. This could occur after years of making annual contributions to a retirement plan like a 401(k) throu...
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Does your employer count the potential equity you could receive in the company as a considerable percentage of your overall compensation package? If so, you fit the definition of an equity-compensated employee . While equity compensation offers the potential for significant rewards if your ...
