There are a lot of investment calculators and retirement calculators online, but from what I've seen most of them are too-simplistic and overly-optimistic. Many of them suffer from the same two common shortcomings: They don't take into account inflation, which is devastating to exclude. They don't calculate investment income; just … [Read more...]

Imagine never worrying about money again. Consider what it would be like to never think negatively about bills, about getting fired, or about recessions. Picture what it would be like to be "work optional" for the rest of your life, because you have enough money stashed away, and enough passive income, to only work when and if you choose … [Read more...]

Moving a lot of assets from one brokerage to another can be a hassle. A brokerage firm that I started investing with as a teenager, and eventually opened a Roth IRA with during college, kept getting acquired by bigger companies, changing its name and features, but never really expanded and improved its offerings in line with what the best … [Read more...]

Massive list posts you'll find online such as, "134 ways to save money" are like modern art. You look at them, and they're pretty, but there's not much utility there because they're hard to truly act on. So let's cut to the heart of the most impactful ways you can save money. According to the Bureau of Labor Statistics, this is how Americans … [Read more...]

Having a high credit score gives you so many options. You can get the credit cards with the highest rewards, and you can get the absolute lowest rates on any loans you use. If you apply for a mortgage without an exceptional credit score, you're leaving so much money on the table. It can even increase your chances of getting a job or … [Read more...]