Category: Roth IRA

2026: New Year, New Limits

As we are about to turn the page (click the arrow?) on the calendar to move into 2026, there are many changes that happen around taxes. These include tax bracket changes, changes in the limits of what you can contribute to various retirement accounts, and a variety of other changes. The following is by no … Continue reading 2026: New Year, New Limits →

The Extraordinary Opportunity of Starting Early (and Privilege)

compound interest

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) →

Roth Conversions and Filling Up Tax Brackets

The topic of Roth conversions and filling up your tax bracket came up at this month's meeting of the Southern Colorado Mustachian group. While I've previously written about the related topic of capital gains harvesting, this is a bit different and has some interesting nuances. What is a Roth Conversion? A Roth conversion is when … Continue reading Roth Conversions and Filling Up Tax Brackets →

Our Current Portfolio and Recent Returns

Each year I'm sharing what our current portfolio looks like. This is what it looks like as of January 1, 2025. (Here is April 2022 and January 2024). 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 Investments: … Continue reading Our Current Portfolio and Recent Returns →

Should I Invest in My Traditional, Roth, or Taxable Account?

IT DEPENDS! Okay, I really wanted to just leave this as a two-word blog post, but I decided that probably wasn't all that helpful. The genesis of this post was a discussion on Facebook where people were giving advice about what account someone should invest money in. Often these folks are really big fans of … Continue reading Should I Invest in My Traditional, Roth, or Taxable Account? →