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Roth Conversions are a topic that comes up occasionally so I thought I'd talk a bit about how we currently think about this. For those who aren't familiar, a Roth Conversion is when you take some of (or all) the money that is currently sitting in a pre-tax IRA/401k/403b/457b and move it to a Roth … Continue reading Our BETR Roth Conversion Decision Spreadsheet
While not the most important thing in your personal finances by any means, credit card rewards can be a nice add-on. Some folks really get into this for travel hacking, but we just dabble in it. Last year was the first year I actually added it all up and I thought I'd do it again … Continue reading Our 2025 Credit Card Rewards
Some people are hesitant to use Ally Bank* (*referral link) because there is no way to deposit cash. This always surprises me because using cash is something we very rarely do and is generally not recommended anyway (not as secure, loses money to inflation, no rewards on spending, etc.). Well, for the first time ever, … Continue reading Depositing Cash to Your Ally Account
Ever since the passage of the so-called Social Security Fairness Act I've been receiving a lot of questions from Colorado PERA members (and occasionally from educators in other states who have non-covered pensions) about decisions they should make around Social Security benefits. To be perfectly clear, I'm not an expert on Social Security. I highly … Continue reading Social Security Considerations for Members of Colorado PERA (and other non-covered pension systems)
Important: This post is for informational purposes and is not (necessarily) investment advice. All investments have risk, and this one is not a public market investment so could have even more risk. There is a possibility of losing your principal. The vast majority of our portfolio is in index funds or similar broadly diversified, low … Continue reading Investing in Solar Through Energea
To be perfectly clear, this post is not about my family. We have two cars (EVs) for the three drivers in our family. And we currently have no plans to get rid of those cars. Rather, this post is about the possibilities for folks who live in my area to conceivably go without a car … Continue reading Car-less in Colorado
Fisch Financial 