Financial Education for Colorado Educators (and those they love). Absolutely Free.
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
Back in 2023 I wrote a post about some suggested legislation I would like to see regarding Colorado PERA. I'm excited to share that this legislation has now been proposed as part of the 2026 Colorado General Assembly. It is House Bill 26-1026 sponsored by Representative Bob Marshall, Representative Eliza Hamrick, and Senator Chris Kolker. … Continue reading Please Consider Supporting Colorado HB26-1026
Roth Conversions are a topic that comes up occasionally so I thought I'd talk a bit about how we currently think about this. For those who aren't familiar, a Roth Conversion is when you take some of (or all) the money that is currently sitting in a pre-tax IRA/401k/403b/457b and move it to a Roth … Continue reading Our BETR Roth Conversion Decision Spreadsheet
While not the most important thing in your personal finances by any means, credit card rewards can be a nice add-on. Some folks really get into this for travel hacking, but we just dabble in it. Last year was the first year I actually added it all up and I thought I'd do it again … Continue reading Our 2025 Credit Card Rewards
Some people are hesitant to use Ally Bank* (*referral link) because there is no way to deposit cash. This always surprises me because using cash is something we very rarely do and is generally not recommended anyway (not as secure, loses money to inflation, no rewards on spending, etc.). Well, for the first time ever, … Continue reading Depositing Cash to Your Ally Account
Ever since the passage of the so-called Social Security Fairness Act I've been receiving a lot of questions from Colorado PERA members (and occasionally from educators in other states who have non-covered pensions) about decisions they should make around Social Security benefits. To be perfectly clear, I'm not an expert on Social Security. I highly … Continue reading Social Security Considerations for Members of Colorado PERA (and other non-covered pension systems)
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