Stop counting down the years until retirement. Instead, redefine how you want to earn an income without the corporate soul-crushing grind.
What If You Can’t Retire When Planned? Redefining “Work”
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Will the Spend Safely in Retirement Strategy (SSiRS) Work for You?
In-depth review of an easy to implement retirement strategy to optimize your social security while drawing down your savings at a reasonable rate
Will Social Security Still Be There When We Need it? Most likely
OASDI trust fund reserves will become depleted in 2035, but you will still get your social security check. However, it may be reduced or delayed.
Target Date Funds. Is Neglecting Your Investments a Good Thing?
Target Date Funds (TDFs) provide an easy “set-and-forget” investment strategy. However, they may not be appropriate for everyone, especially once you retire.
Should You Trust Retirement-Savings-Goals-by-Age Estimates?
Two models by Fidelity and Schwab face off. Beware, their assumptions may not apply to you.
Is Yoga Covered by my Health Savings Account? What About Sunglasses?
Health Savings Accounts (HSAs) are used with High Deductible Health Plans (HDHPs). Pay for Qualified Medical Expenses or invest for their triple-tax advantage.
Saving for a Home Down Payment? Eight Investing Choices
Like other short-term financial goals, invest this money conservatively. Your checking or savings account may be good enough.
The Wash Sale Rule. How Investors Can Keep Clean and Avoid the Mess
If you sell a stock at a loss, then repurchase that stock (or something very similar) within thirty days, you’ve triggered a wash sale
Are You a Trader or an Investor? Or Both? What’s the Difference?
Investors are in the market for the long-term, and may not buy or sell for decades | Traders take advantage of short-term moves in the market to make quick money
This information has been provided for educational purposes only and should not be considered financial advice. Any opinions expressed are my own and may not be appropriate in all cases. All efforts have been made to provide accurate information; however, mistakes happen, and laws change; information may not be accurate at the time you read this. Links are included for reference but should not be considered an implied endorsement of these organizations or their products. Please seek out a licensed professional for current advice specific to your situation.
Liz Baker, PhD
I’m an authority on investing, retirement, and taxes. I love research and applying it to real-world problems. Together, let’s find our paths to financial freedom.
