Estate Planning Is About Life (Not Death)

Quite a few of the folks I talk with don't have an estate plan (which, at a minimum, I define as a will, power of attorney, and health care directive). I think there are two main reasons for this. First, lots of folks don't think they are "rich" enough or "old" enough to need one … Continue reading Estate Planning Is About Life (Not Death) →

New Book: TL;DR: Financial Literacy for Indiana Public School Teachers

I just wanted to share my latest book, this one written with Nick Ivy for Teachers in Indiana Public Schools, focusing on financial literacy and making the most of their INPRS pension benefits. Please consider sharing with any teachers you know in Indiana. This is the latest in the TL;DR Financial Literacy series. If you … Continue reading New Book: TL;DR: Financial Literacy for Indiana Public School Teachers →

New Book: TL;DR: Financial Literacy for Employees of New Jersey Public Schools

I just wanted to share my latest book, this one written with Diane Mondoro for educators in New Jersey Public Schools, focusing on financial literacy and making the most of their TPAF/PERS pension benefits. Please consider sharing with any educators you know in New Jersey. This is the latest in the TL;DR Financial Literacy series. … Continue reading New Book: TL;DR: Financial Literacy for Employees of New Jersey Public Schools →

FSAs: Use It Or Lose It (Except Not All Of It)

I've written before about Health Savings Accounts (HSAs), and how they are great to pay for medical expenses pre-tax but even better if you use them as a stealth retirement account. I've also written about Section 125 Plans, which includes your insurance premiums and Flexible Spending Accounts (FSAs). But in recent discussions in a class … Continue reading FSAs: Use It Or Lose It (Except Not All Of It) →

Investing, Volatility and Asset Allocation

I've written a bit before about investing, volatility and asset allocation (here, here, and here, as well as in my books). Individual circumstances matter a lot, including - but not limited to - your goals, your risk tolerance and your investment horizon. But, in general, I think that many people are not invested enough in … Continue reading Investing, Volatility and Asset Allocation →