Leveraging Your HSA to Increase Your Roth Contributions

I've written previously about how folks who can afford to both contribute to a Health Savings Account (HSA) and pay their current out-of-pocket medical expenses from their checking account can use their HSA as a stealth retirement account. It's better than either pre-tax or Roth retirement accounts because as long as you eventually use the … Continue reading Leveraging Your HSA to Increase Your Roth Contributions →

One Year of An All-Electric House

I've written previously about installing solar panels and batteries as well as converting our heating, air conditioning and water heating over to electric heat pumps. We now have a full 12-months worth of electric bills since having Xcel Energy completely shut off natural gas to our home, so I thought I'd share our numbers. Before … Continue reading One Year of An All-Electric House →

Where Do I Put Short-Term Money for College Savings?

Someone had a question in a financial meetup group I attended today about where they should put a lump sum of money for future college expenses for their current 8th grader and 6th grader. Simplifying a bit, they are probably going to sell a rental real estate property and want to set aside the proceeds … Continue reading Where Do I Put Short-Term Money for College Savings? →

Three 90-Minute Presentations Every School District Should Give To Their Employees (and here are the resources to do it)

I've (actually, we've) been offering my Personal Financial Literacy for Colorado Educators course for four years now. I decided to offer this initially because, based on my interactions with fellow Colorado educators, there seemed to be a large percentage of them who didn't know some key aspects of financial literacy (and, specifically, how their defined … Continue reading Three 90-Minute Presentations Every School District Should Give To Their Employees (and here are the resources to do it) →

Colorado House Prices and Rent (Don’t) Always Go Up

I live in Colorado. A frequent financial topic that comes up in discussions with other folks and in my class is the cost of housing. It is certainly true that housing in Colorado is above the median for the U.S., but as I mentioned in that post I think many Coloradan's have a skewed view … Continue reading Colorado House Prices and Rent (Don’t) Always Go Up →

Our Current Portfolio and Recent Returns as of January 2026

Each year I'm sharing what our current portfolio looks like. This is what it looks like as of January 1, 2026. (Here is April 2022, January 2024, January 2025). Asset Location Like many people, by necessity we have our investments in multiple places due to past employers, HSAs, and different types of taxable accounts. Taxable … Continue reading Our Current Portfolio and Recent Returns as of January 2026 →