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I've written previously that people with defined benefit pensions who have the option to purchase service credit should seriously consider doing so now. I first wrote about it back in December of 2021, added some more context in April of 2022, and then reiterated in January of this year. Well, stop me if you've heard … Continue reading Diversifying by Purchasing Service Credit
I've written previously comparing our options for health insurance in retirement (2024, 2025). In both years insurance through the ACA Marketplace was easily the better choice. But for 2026 there are big changes to both PERACare and the ACA Marketplace that are going to make the comparison much closer (and more complicated). The big change … Continue reading PERACare vs. ACA Marketplace: 2026 Edition
Note: This post is going to assume a lot of privilege. It's not going to address the very real issues of income inequality and systemic disadvantage, as those are a bit beyond my wheelhouse (although I do have pretty strong opinions about policy changes we should make that could at least help address those issues). … Continue reading The Extraordinary Opportunity of Starting Early (and Privilege)
I've written about inflation previously, usually trying to put it in a broader context to try to help folks understand it more deeply (and accurately). I'm currently reading Barry Ritholtz's How Not to Invest and he gives a great example on page 150 of my hardcover copy from the library (Part 2, Section 1). He … Continue reading Inflation, Wages and Investments
I just released Episode 14 of the Teaching You To Fisch podcast. This episode looks at the advantages of using a 529 College Savings Plan to save and invest for postsecondary education. Slides Transcript It's available on Spotify, Apple Podcasts, and YouTube, and I've also embedded it below. As always, feedback is appreciated. https://www.youtube.com/watch?v=sxb1ZdlB7oo All … Continue reading Podcast Episode 14: Investing Part 4: Saving and Investing for College with a 529 College Savings Plan
Some of the episodes in my new podcast series Teaching You to Fisch (Spotify, Apple Podcasts, YouTube) include spreadsheets I've created to illustrate particular topics. Some of them are modifications of spreadsheets I've used before and some are newly created. Because not everyone is going to choose to watch/listen to the podcasts (they are really … Continue reading Spreadsheet: Asset Allocation, Compound Interest, and Fees
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