Spending Matters: Calculating How Many Days Earlier You Can Retire

This is going to be very long (first rationale, then step-by-step instructions). I think it's going to be worth it, but we'll see. Ask just about any math teacher and they'll tell you that humans don't have a very good intuitive sense of exponential growth (e.g., see the response to the pandemic). Humans are pretty … Continue reading Spending Matters: Calculating How Many Days Earlier You Can Retire →

Are Target Date Funds The Best Choice for Educators?

One of the most helpful innovations in both investing and retirement planning has been the Target Date Fund. If you're not a familiar, a Target Date Fund is one investment that allows you to pick the date at which you anticipate needing your money (typically when you expect to retire), and the fund is setup … Continue reading Are Target Date Funds The Best Choice for Educators? →

PERA-Related Bills Before the Colorado Legislature: Your Action Needed

Every year when the Colorado legislature meets in the spring, there are typically several bills related to Colorado PERA that are proposed and sometimes passed. Sometimes those bills are very minor and sometimes very major. When they are major, they typically get a ton of attention, but when they are minor (or at least perceived … Continue reading PERA-Related Bills Before the Colorado Legislature: Your Action Needed →

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

I Just wanted to share my latest book (along with co-author Adam Skarr), this one for Washington (state) educators, focusing on financial literacy and making the most of their Washington TRS pension benefits. Please consider sharing with any educators you know in the state of Washington. This is the latest in the TL;DR Financial Literacy … Continue reading New Book: TL;DR: Financial Literacy for Employees of Washington Public Schools →