I sent the following to the bill sponsors (Pelton, Kolker, Garcia Sander, Lukens) as well as my district representatives (Carson, Marshall). If you have an opinion on this bill, you should consider sending something (or calling) the bill sponsors and your representatives. Senators Pelton, Kolker, and Carson, and Representatives Garcia Sander, Lukens and Marshall: I … Continue reading An Open Letter in Opposition to Colorado SB25-147 (Modify Board Management Public Employees’ Retirement Association)
Appeared on the Teach and Retire Rich Podcast
Dan and Scott had me back on the Teach and Retire Rich podcast for those who might be interested. Apple Podcasts Direct link to the podcast on their site 403bwise 403bwise state 457 ratings Items mentioned in the podcast. Time to Buy! Buy! Buy! (Service Credit, 2025 Edition) (purchasing service credit) Our Current Portfolio and … Continue reading Appeared on the Teach and Retire Rich Podcast
My EV Decision Tree
It's been a while since I've written something about EVs, so I figured I needed a post or folks would think I've decided to stop badgering people about them. Well, actually, the genesis of this post was that I listened to the recent ChooseFI podcast episode titled The FI Case for Electric Vehicles. I thought … Continue reading My EV Decision Tree
Should I Do a Transition Year?
Note: This post is specifically for members of Colorado PERA. If you are in a different pension system, you may have a similar option, but every pension system is different. Each pension has unique "return to work" requirements, so make sure you understand those before considering returning to a work for an employer that is … Continue reading Should I Do a Transition Year?
Vanguard Increasing 403b Administrative Fee to $80 a Year
I've written previously about fees associated with tax-advantaged accounts like 401ks, 403bs, and 457bs. For those of you in Colorado PERA, you're lucky enough to have access to PERA's 401k (and, if your district has opted in, to PERA's 457b). Unfortunately, many of the 403b vendors that districts also allow you to sign up with … Continue reading Vanguard Increasing 403b Administrative Fee to $80 a Year
TL;DR: Financial Literacy for Kentucky Public School Teachers: Optimizing Financial Decisions Based on Your TRS Benefits
I just wanted to share my latest book, this one for teachers in Kentucky Public Schools, focusing on financial literacy and making the most of their TRS pension benefits. Please consider sharing with any educators you know in Kentucky. This is the latest in the TL;DR Financial Literacy series. If you know educators in the … Continue reading TL;DR: Financial Literacy for Kentucky Public School Teachers: Optimizing Financial Decisions Based on Your TRS Benefits
Fisch Financial 