Two Strategies to Help You Be More Intentional with Your Spending

We spend a lot of time in my financial literacy class for educators talking about being intentional with your spending. We discuss that spending isn't bad, it's a necessary and essential part of living your "good life". What can be bad is if you are spending on things that you don't value in ways that … Continue reading Two Strategies to Help You Be More Intentional with Your Spending →

Tax Aware Strategies for Gifting and Giving

This is another optimization post, which means it's not essential for the core part of your financial success, but can be incrementally helpful on the margins. Like many posts on this blog, it also assumes a fair amount of privilege. For many folks who have figured out financial literacy (in one sentence; in many sentences), … Continue reading Tax Aware Strategies for Gifting and Giving →

ExempliFI Conference: June 27, 2026 (Free!)

We will be holding a free financial conference on Saturday, June 27, 2026 at Koelbel Library in Centennial, Colorado. The conference will feature four nationally known speakers in the morning (live via Zoom, with Q&A after their presentation). In the afternoon we will conduct two case studies of the finances of two attendees, and then … Continue reading ExempliFI Conference: June 27, 2026 (Free!) →

HSA Conversions for Very Early Retirees

I've written previously about the incredible opportunity of using your HSA as a stealh retirement account (for those who can afford to do so). More recently, I wrote about a variation on that strategy for folks who were not maxing out their Roth contributions. Today's post is about a strategy that some very early retirees … Continue reading HSA Conversions for Very Early Retirees →