Cherry Creek Public Schools Single-Vendor 403b Plan: Is It The Best Choice?

I've written before about 401k, 403b, and 457b retirement plans and the similarities and differences between them. Unfortunately, many school districts offer some truly horrible 403b plans (listen to Learned by Being Burned for more info). But there has been a positive development lately in that some school districts, typically large ones, have now started … Continue reading Cherry Creek Public Schools Single-Vendor 403b Plan: Is It The Best Choice? →

TL;DR: Financial Literacy for Georgia Public School Teachers: Optimizing Financial Decisions Based on Your TRS Benefits

I just wanted to share my latest book (written along with Neil Pinnock), this one for teachers in Georgia Public Schools, focusing on financial literacy and making the most of their TRS pension benefits. Please consider sharing with any teachers you know in South Carolina. This is the latest in the TL;DR Financial Literacy series. … Continue reading TL;DR: Financial Literacy for Georgia Public School Teachers: Optimizing Financial Decisions Based on Your TRS Benefits →

TL;DR: Financial Literacy for Employees of South Carolina Public Schools: Optimizing Financial Decisions Based on Your PEBA Benefits

I just wanted to share my latest book, this one for teachers in South Carolina Public Schools, focusing on financial literacy and making the most of their DCRB pension benefits. Please consider sharing with any teachers you know in South Carolina. This is the latest in the TL;DR Financial Literacy series. If you know educators … Continue reading TL;DR: Financial Literacy for Employees of South Carolina Public Schools: Optimizing Financial Decisions Based on Your PEBA Benefits →

Educators With Student Loans: Do This NOW!

Seriously. If you are an educator with outstanding federal student loans, you need to complete the following four steps ASAP. Note: The following applies to anyone with federal student loans, but some of the specifics are geared toward educators. But if you are not an educator, you should still work through the following steps. First, … Continue reading Educators With Student Loans: Do This NOW! →

Saving on a Valuable Education (SAVE) Plan: Important (and huge for many!) Changes to Student Loan Repayment

Many folks were disappointed today when the Supreme Court struck down the Biden Administration's proposal to forgive $10,000 in student loans (up to $20,000 for those will Pell Grants). While disappointing, the Biden administration immediately announced the final version of a new proposed program that I wrote about previously. The new program is called SAVE … Continue reading Saving on a Valuable Education (SAVE) Plan: Important (and huge for many!) Changes to Student Loan Repayment →

Most Unexpected Expenses…Aren’t

“Unexpected Expenses” is a topic that frequently comes up in my classes and when talking with others about finances. This is in the context of a discussion around spending less than you make, saving and investing the rest, and letting compound interest work its magic. Pretty much invariably, several folks will say something similar to … Continue reading Most Unexpected Expenses…Aren’t →