https://fischfinancial.org/ https://fischfinancial.org/home/ 2017-06-11T14:19:49Z https://fischfinancial.org/about/ 2024-12-02T15:37:58Z https://fischfinancial.org/contact/ 2024-12-02T15:38:23Z https://fischfinancial.org/blog/ 2017-06-11T15:46:06Z https://fischfinancial.org/2017/06/09/who-should-use/ 2024-12-02T15:33:58Z https://fischfinancial.org/2017/06/09/pera/ 2017-06-24T19:12:06Z https://fischfinancial.org/2017/06/09/lps-health-insurance/ 2021-03-24T19:20:36Z https://fischfinancial.org/resources/ 2025-04-29T23:53:16Z https://fischfinancial.org/2017/06/15/what-keeps-me-up-at-night/ 2019-02-21T20:46:44Z https://fischfinancial.org/2017/06/21/focus-on-dcsd-health-insurance/ 2017-06-24T19:04:32Z https://fischfinancial.org/2017/06/25/how-do-you-measure-investment-risk/ 2017-06-25T22:07:03Z https://fischfinancial.org/2017/06/26/why-you-should-go-solar/ 2017-07-31T23:33:59Z https://fischfinancial.org/2017/07/06/section-125-plans/ 2025-01-31T05:13:48Z https://fischfinancial.org/2017/07/11/focus-on-lps-retirement-plans-401k403b457-plans/ 2017-07-15T15:45:09Z https://fischfinancial.org/2017/07/15/your-next-car-should-be-electric/ 2025-06-14T03:24:56Z https://fischfinancial.org/2017/07/16/pera-transition-year/ 2017-07-16T21:03:23Z https://fischfinancial.org/2017/07/18/working-teens-and-roth-iras/ 2025-01-24T02:38:03Z https://fischfinancial.org/2017/07/21/credit-cards-evil-or-good/ 2017-07-21T14:33:55Z https://fischfinancial.org/2017/07/25/saving-for-college-529-plans/ 2023-10-06T19:56:15Z https://fischfinancial.org/2017/07/31/focus-on-dcsd-retirement-plans-401k403b457-plans/ 2017-08-01T01:44:12Z https://fischfinancial.org/2019/02/21/financial-independence-for-colorado-teachers-part-1-the-concept/ 2024-07-27T00:46:15Z https://fischfinancial.org/2019/02/21/fi-for-colorado-teachers-part-2-the-process/ 2019-04-03T20:31:36Z https://fischfinancial.org/2019/02/22/fi-for-colorado-teachers-part-3-the-what-ifs-and-the-yeah-buts/ 2019-04-03T20:31:17Z https://fischfinancial.org/2019/02/22/fi-for-colorado-teachers-part-4-tax-optimization/ 2021-03-24T19:20:08Z https://fischfinancial.org/2019/02/23/fi-for-colorado-teachers-part-5-case-study-1-teacher-married-to-a-teacher/ 2021-09-07T18:22:47Z https://fischfinancial.org/2019/03/06/fi-for-colorado-teachers-part-6-case-study-2-teacher-married-to-a-non-teacher/ 2021-03-24T19:19:34Z https://fischfinancial.org/2019/04/03/fi-for-colorado-teachers-part-7-case-study-3-single-teacher/ 2021-04-02T17:10:55Z https://fischfinancial.org/2021/02/17/blockfi-a-possible-alternative-to-low-yield-savings-accounts/ 2022-11-22T16:50:57Z https://fischfinancial.org/2021/03/24/pera-votes-to-switch-from-voya-to-empower/ 2021-03-24T19:21:16Z https://fischfinancial.org/2021/04/02/interviewed-on-the-teach-and-retire-rich-podcast/ 2021-04-02T17:11:34Z https://fischfinancial.org/2021/04/03/free-for-federal-taxes-alternative-to-turbotax/ 2026-02-16T15:08:45Z https://fischfinancial.org/2021/04/10/fees-matter-vanguard-pera-tiaa-and-metlife-comparison/ 2024-08-06T22:27:47Z https://fischfinancial.org/2021/04/11/salary-schedule-lanes-how-much-difference-do-they-really-make/ 2024-06-16T19:04:36Z https://fischfinancial.org/2021/05/27/health-insurance-and-using-your-hsa-as-a-stealth-retirement-account/ 2024-11-28T18:02:17Z https://fischfinancial.org/2021/06/11/are-the-wep-and-gpo-fair/ 2024-12-21T19:18:41Z https://fischfinancial.org/2021/06/18/health-insurance-peracare-vs-the-aca-marketplace/ 2022-11-22T16:35:01Z https://fischfinancial.org/2021/10/17/colorado-pera-retirement-options-1-2-and-3/ 2023-11-21T17:50:02Z https://fischfinancial.org/2021/11/01/peraplus-401k-457-dc-new-recordkeeper-same-fees-almost/ 2021-11-01T16:44:25Z https://fischfinancial.org/2021/11/05/colorado-pera-retirement-considerations-presentation/ 2021-11-23T20:27:05Z https://fischfinancial.org/2021/11/13/some-2022-tax-changes/ 2021-11-13T20:00:42Z https://fischfinancial.org/2021/11/14/i-bonds-a-safe-short-term-investment-with-some-yield/ 2022-04-18T15:23:52Z https://fischfinancial.org/2021/11/20/medicare-and-peracare-premium-changes-for-2022/ 2021-11-20T17:21:08Z https://fischfinancial.org/2021/11/28/illinois-trs-ssp-a-good-but-not-great-457-plan/ 2023-06-09T20:50:22Z https://fischfinancial.org/2021/12/09/colorados-first-step-program-for-college-savings/ 2023-10-06T19:55:40Z https://fischfinancial.org/2021/12/19/time-to-buy-buy-buy-service-credit/ 2025-02-16T14:42:20Z https://fischfinancial.org/2021/12/26/how-to-make-2000-in-30-minutes-for-real/ 2026-04-11T19:40:42Z https://fischfinancial.org/2022/01/07/how-to-help-your-savings-keep-up-with-inflation/ 2026-05-08T15:33:47Z https://fischfinancial.org/2022/01/23/a-penny-saved-is-1-62-pennies-earned/ 2024-04-07T09:42:49Z https://fischfinancial.org/2022/01/31/filing-taxes-for-free-with-freetaxusa/ 2026-02-16T15:08:11Z https://fischfinancial.org/2022/02/12/403bwise-presentation-colorado-educator-retirement-strategies/ 2022-02-12T23:13:32Z https://fischfinancial.org/2022/02/13/three-things-colorado-school-districts-should-do-asap/ 2026-05-22T19:11:06Z https://fischfinancial.org/2022/02/15/how-much-did-i-spend-at-amazon/ 2023-05-10T18:00:31Z https://fischfinancial.org/2022/03/05/turn-30-minutes-into-15000-no-smoke-and-mirrors-just-math/ 2025-08-28T03:51:09Z https://fischfinancial.org/2022/03/15/new-book-tldr-financial-literacy-for-employees-of-washington-public-schools/ 2022-03-15T14:59:51Z https://fischfinancial.org/2022/03/18/pera-related-bills-before-the-colorado-legislature-your-action-needed/ 2022-03-18T22:37:01Z https://fischfinancial.org/2022/03/20/are-target-date-funds-the-best-choice-for-educators/ 2025-02-07T00:39:58Z https://fischfinancial.org/2022/03/23/home-buyer-assistance/ 2022-03-23T21:55:15Z https://fischfinancial.org/2022/03/29/spending-matters-calculating-how-many-days-earlier-you-can-retire/ 2022-03-29T20:42:14Z https://fischfinancial.org/2022/04/03/a-tale-of-two-songs/ 2022-04-03T16:00:32Z https://fischfinancial.org/2022/04/06/whats-in-my-portfolio/ 2023-02-05T22:47:41Z https://fischfinancial.org/2022/04/11/401ks-and-403bs-and-457bs-oh-my/ 2025-02-11T04:10:57Z https://fischfinancial.org/2022/04/12/do-you-feel-lucky/ 2024-07-09T23:16:42Z https://fischfinancial.org/2022/04/13/musings-on-inflation/ 2022-04-13T15:59:36Z https://fischfinancial.org/2022/04/19/more-on-purchasing-service-credit/ 2025-02-16T14:41:47Z https://fischfinancial.org/2022/04/28/why-im-writing-the-personal-financial-literacy-for-educators-series-of-books/ 2022-04-28T19:57:47Z https://fischfinancial.org/2022/04/30/increase-in-2023-hsa-contribution-limits/ 2022-05-01T02:17:16Z https://fischfinancial.org/2022/05/06/new-book-tldr-financial-literacy-for-new-york-city-public-school-teachers/ 2022-05-08T14:16:41Z https://fischfinancial.org/2022/05/08/new-book-tldr-financial-literacy-for-employees-of-arizona-public-schools/ 2022-05-08T14:16:14Z https://fischfinancial.org/2022/06/08/new-book-tldr-financial-literacy-for-massachusetts-public-school-teachers/ 2022-06-08T13:27:31Z https://fischfinancial.org/2022/06/11/new-book-tldr-financial-literacy-for-missouri-public-school-educators/ 2022-06-11T15:04:31Z https://fischfinancial.org/2022/06/12/new-book-tldr-financial-literacy-for-new-york-state-teachers-retirement-system/ 2022-06-12T13:25:30Z https://fischfinancial.org/2022/06/18/new-book-tldr-financial-literacy-for-employees-of-oregon-public-schools/ 2022-06-18T14:46:18Z https://fischfinancial.org/2022/08/01/taking-another-look-at-t-bills/ 2023-01-16T17:04:34Z https://fischfinancial.org/2022/08/08/new-book-tldr-financial-literacy-for-minnesota-public-school-teachers/ 2022-08-08T14:16:34Z https://fischfinancial.org/2022/08/28/redesigning-your-life-map/ 2022-08-28T21:58:59Z https://fischfinancial.org/2022/09/09/some-nuances-of-the-wep-and-gpo/ 2024-12-21T19:17:31Z https://fischfinancial.org/2022/09/12/how-much-will-you-spend-on-health-care-in-retirement/ 2022-09-12T16:46:19Z https://fischfinancial.org/2022/09/24/how-we-organize-and-track-our-finances/ 2022-09-24T19:52:14Z https://fischfinancial.org/2022/09/24/book-recommendation-mom-and-dad-we-need-to-talk/ 2022-09-25T00:41:07Z https://fischfinancial.org/2022/09/25/colorado-peras-funded-status-the-signal-light-report-and-the-aap/ 2024-04-19T14:49:43Z https://fischfinancial.org/2022/09/27/new-book-tldr-financial-literacy-for-st-paul-public-school-teachers/ 2022-09-27T15:22:45Z https://fischfinancial.org/2022/10/09/comparing-teacher-pension-plans/ 2022-10-09T23:02:41Z https://fischfinancial.org/2022/11/01/investing-volatility-and-asset-allocation/ 2022-11-01T23:21:07Z https://fischfinancial.org/2022/11/13/fsas-use-it-or-lose-it-except-not-all-of-it/ 2022-11-13T20:39:24Z https://fischfinancial.org/2022/12/07/new-book-tldr-financial-literacy-for-employees-of-new-jersey-public-schools/ 2022-12-07T15:59:56Z https://fischfinancial.org/2022/12/21/new-book-tldr-financial-literacy-for-indiana-public-school-teachers/ 2022-12-21T15:43:35Z https://fischfinancial.org/2022/12/26/2023-new-year-new-limits/ 2022-12-26T16:16:41Z https://fischfinancial.org/2022/12/27/estate-planning-is-about-life-not-death/ 2022-12-27T20:09:21Z https://fischfinancial.org/2022/12/28/some-notable-retirement-account-changes/ 2023-01-25T15:57:14Z https://fischfinancial.org/2023/01/01/my-2022-financial-literacy-year-in-review/ 2023-01-01T22:30:47Z https://fischfinancial.org/2023/01/01/taking-advantage-of-the-enhanced-ev-tax-credit/ 2023-02-03T16:07:50Z https://fischfinancial.org/2023/01/19/new-book-tldr-financial-literacy-for-california-public-school-teachers/ 2023-01-19T15:24:32Z https://fischfinancial.org/2023/01/19/savers-credit-an-overlooked-tax-credit-for-many-beginning-teachers/ 2023-01-21T15:21:59Z https://fischfinancial.org/2023/01/25/529-to-roth-conversions-some-possibilities/ 2023-01-25T17:22:16Z https://fischfinancial.org/2023/01/31/do-you-know-a-first-year-medical-or-dental-student/ 2023-01-31T16:19:47Z https://fischfinancial.org/2023/02/09/colorado-educator-loan-forgiveness/ 2024-01-21T21:48:23Z https://fischfinancial.org/2023/02/14/new-book-tldr-financial-literacy-for-new-hampshire-public-school-employees/ 2023-02-14T15:43:06Z https://fischfinancial.org/2023/02/22/the-new-student-loan-repaye-plan-almost-free-college-for-most/ 2023-07-01T00:34:40Z https://fischfinancial.org/2023/03/03/choose-your-own-inflation/ 2025-04-01T00:28:09Z https://fischfinancial.org/2023/03/05/taxes-for-teachers-101/ 2026-01-28T16:29:51Z https://fischfinancial.org/2023/03/11/a-not-so-modest-proposal-teach-my-financial-literacy-for-educators-class/ 2024-05-21T13:51:20Z https://fischfinancial.org/2023/03/15/inherited-iras-and-the-sidedoor-401k-403b-457b-ira-hsa/ 2023-03-16T23:20:48Z https://fischfinancial.org/2023/03/26/why-you-should-leave-wells-fargo-and-chase-and-probably-your-bank/ 2025-06-27T20:50:34Z https://fischfinancial.org/2023/03/29/new-book-tldr-financial-literacy-for-alaska-public-school-teachers-optimizing-financial-decisions-based-on-your-trs-benefits/ 2023-03-29T15:04:11Z https://fischfinancial.org/2023/03/28/why-you-should-leave-verizon-and-t-mobile-and-probably-your-cell-phone-carrier/ 2026-01-23T19:47:46Z https://fischfinancial.org/2023/04/21/chase-sapphire-preferred-increases-their-bonus/ 2025-08-28T04:04:18Z https://fischfinancial.org/2023/04/22/free-student-loan-help-for-nea-members/ 2023-04-22T21:33:12Z https://fischfinancial.org/2023/04/30/student-loan-idr-waiver-extended-to-december-31st-2023/ 2023-07-01T00:35:12Z https://fischfinancial.org/2023/05/03/series-i-bond-arbitrage/ 2023-05-04T01:01:41Z https://fischfinancial.org/2023/05/06/my-financial-mistakes-so-far/ 2024-10-11T22:56:21Z https://fischfinancial.org/2023/05/09/coloradans-should-buy-an-ev-but-maybe-wait-a-few-months/ 2023-10-23T18:57:14Z https://fischfinancial.org/2023/05/18/new-book-tldr-financial-literacy-for-employees-of-texas-public-schools-optimizing-financial-decisions-based-on-your-trs-benefits/ 2023-05-18T14:28:29Z https://fischfinancial.org/2023/05/25/some-musings-on-housing-renting-wages-and-perspective/ 2023-05-25T16:59:22Z https://fischfinancial.org/2023/05/26/denver-public-schools-single-vendor-403b-plan-is-it-the-best-choice/ 2025-03-14T03:05:33Z https://fischfinancial.org/2023/05/28/colorado-teachers-just-got-a-big-raise-now-what/ 2023-05-28T18:56:34Z https://fischfinancial.org/2023/06/25/new-book-tldr-financial-literacy-for-district-of-columbia-public-school-teachers-optimizing-financial-decisions-based-on-your-dcrb-benefits/ 2023-06-25T15:03:21Z https://fischfinancial.org/2023/06/26/most-unexpected-expenses-arent/ 2023-06-26T19:09:39Z https://fischfinancial.org/2023/06/30/saving-on-a-valuable-education-save-plan-important-and-huge-for-many-changes-to-student-loan-repayment/ 2023-07-01T02:03:24Z https://fischfinancial.org/2023/07/03/educators-with-student-loans-do-this-now/ 2023-07-08T15:07:40Z https://fischfinancial.org/2023/07/05/tldr-financial-literacy-for-employees-of-south-carolina-public-schools-optimizing-financial-decisions-based-on-your-peba-benefits/ 2023-07-05T14:45:50Z https://fischfinancial.org/2023/07/09/tldr-financial-literacy-for-georgia-public-school-teachers-optimizing-financial-decisions-based-on-your-tr-benefits/ 2023-09-18T18:36:11Z https://fischfinancial.org/2023/07/12/cherry-creek-public-schools-single-vendor-403b-plan-is-it-the-best-choice/ 2023-07-12T22:17:18Z https://fischfinancial.org/2023/07/17/is-colorados-cost-of-living-really-so-high/ 2024-06-19T18:10:00Z https://fischfinancial.org/2023/07/23/financial-literacy-in-one-sentence/ 2023-07-23T18:40:20Z https://fischfinancial.org/2023/07/27/harvesting-capital-gains/ 2023-09-09T21:23:00Z https://fischfinancial.org/2023/08/03/colorado-ece-educator-loan-forgiveness/ 2023-08-03T19:12:17Z https://fischfinancial.org/2023/08/09/why-you-should-and-how-to-transfer-your-hsa-to-fidelity/ 2023-08-09T21:41:23Z https://fischfinancial.org/2023/08/12/fidelity-one-account-to-rule-them-all-including-checking-and-savings/ 2026-05-08T15:36:16Z https://fischfinancial.org/2023/08/18/colorado-statewide-e-bike-rebate-program/ 2023-08-18T16:21:49Z https://fischfinancial.org/2023/08/20/book-recommendation-financial-feminist/ 2023-08-20T22:08:52Z https://fischfinancial.org/2023/08/29/colorados-cash-for-clunkers-program/ 2023-08-30T22:25:20Z https://fischfinancial.org/2023/08/30/new-round-of-colorado-temporary-educator-loan-forgiveness-opens-september-1st/ 2023-08-31T01:45:22Z https://fischfinancial.org/2023/08/30/california-educators-take-this-class/ 2023-08-30T22:06:57Z https://fischfinancial.org/2023/09/19/tldr-financial-literacy-for-employees-of-florida-public-schools-optimizing-financial-decisions-based-on-your-frs-benefits/ 2023-11-29T17:29:01Z https://fischfinancial.org/2023/09/24/colorado-property-taxes-are-outrageous-outrageously-low/ 2023-09-24T19:24:47Z https://fischfinancial.org/2023/09/29/switch-your-checking-account-to-ally-bank-and-get-200/ 2024-08-07T18:22:59Z https://fischfinancial.org/2023/10/04/colorado-college-invest-529-matching-grant-program/ 2023-10-06T19:54:35Z https://fischfinancial.org/2023/10/06/updated-college-invest-first-step-and-matching-grant-program-information/ 2023-10-06T19:51:05Z https://fischfinancial.org/2023/10/14/can-i-interest-you-in-a-combination-can-opener-wi-fi-hotspot/ 2023-10-14T18:28:19Z https://fischfinancial.org/2023/10/23/coloradans-should-buy-an-ev-part-2/ 2023-10-24T15:28:21Z https://fischfinancial.org/2023/11/02/peracare-vs-aca-marketplace-2024-edition/ 2023-11-02T18:07:11Z https://fischfinancial.org/2023/11/15/two-colorado-pera-bill-proposals-an-open-letter-to-my-state-representatives/ 2023-11-16T15:15:19Z https://fischfinancial.org/2023/12/07/nea-investmyself-403b-option-with-security-benefit/ 2024-07-30T19:34:14Z https://fischfinancial.org/2023/12/12/colorado-educator-loan-forgiveness-implementation-an-open-letter-to-my-state-representatives/ 2023-12-12T20:19:34Z https://fischfinancial.org/2023/12/15/teach-and-retire-rich-podcast-teaching-finlit-to-teachers/ 2023-12-15T22:23:52Z https://fischfinancial.org/2023/12/16/2024-new-year-new-limits/ 2024-07-12T17:37:51Z https://fischfinancial.org/2023/12/31/coloradans-buy-a-new-chevy-bolt-for-as-low-as-15000-today-while-they-last/ 2024-01-01T15:57:22Z https://fischfinancial.org/2024/01/11/our-current-portfolio-and-recent-returns/ 2024-12-29T16:58:27Z https://fischfinancial.org/2024/01/25/colorados-529-to-roth-ira-rollover-now-available/ 2025-01-28T19:57:55Z https://fischfinancial.org/2024/02/02/an-ev-might-be-more-affordable-than-you-think/ 2024-02-02T20:05:52Z https://fischfinancial.org/2024/02/07/reading-interpreting-and-understanding-peras-highest-average-salary-has-tables/ 2024-12-13T19:06:29Z https://fischfinancial.org/2024/02/15/the-future-is-never-guaranteed-yes-and/ 2024-03-30T12:45:03Z https://fischfinancial.org/2024/02/20/our-new-secondary-solar-panel-system-and-battery-backup/ 2024-02-21T00:57:47Z https://fischfinancial.org/2024/02/24/spend-now-or-spend-more-later/ 2024-03-13T16:42:05Z https://fischfinancial.org/2024/03/11/tldr-financial-literacy-for-employees-of-michigan-public-schools-optimizing-financial-decisions-based-on-your-mpsers-benefits/ 2024-03-11T15:09:47Z https://fischfinancial.org/2024/03/07/my-yearly-income-tax-planning-spreadsheet/ 2024-06-28T15:48:15Z https://fischfinancial.org/2024/03/15/colorado-educator-loan-forgiveness-application-open/ 2024-04-01T22:53:58Z https://fischfinancial.org/2024/03/16/new-teacher-financial-orientation/ 2024-03-16T18:37:19Z https://fischfinancial.org/2024/03/20/should-colorado-school-districts-get-more-flexible-with-their-benefits/ 2024-03-20T16:31:27Z https://fischfinancial.org/2024/03/26/we-should-stop-using-the-term-emergency-savings/ 2025-04-07T17:28:10Z https://fischfinancial.org/2024/03/29/the-financial-advantages-of-living-at-home/ 2024-03-30T11:39:05Z https://fischfinancial.org/2024/03/31/inflation-inflation-inflation/ 2024-04-03T21:14:36Z https://fischfinancial.org/2024/03/31/colorados-e-bike-tax-credit-begins/ 2024-03-31T20:57:22Z https://fischfinancial.org/2024/04/30/tldr-financial-literacy-for-employees-of-idaho-public-schools-optimizing-financial-decisions-based-on-your-persi-benefits/ 2024-04-30T15:25:53Z https://fischfinancial.org/2024/04/26/low-income-coloradans-can-save-up-to-26500-on-a-new-ev/ 2024-07-24T16:08:20Z https://fischfinancial.org/2024/05/03/paying-your-property-taxes-with-a-credit-card/ 2026-01-26T17:42:54Z https://fischfinancial.org/2024/05/09/interest-rate-matters/ 2024-05-10T00:39:09Z https://fischfinancial.org/2024/05/25/aurora-public-schools-single-vendor-403b-plan-is-it-the-best-choice/ 2024-05-25T15:41:50Z https://fischfinancial.org/2024/05/28/rebooking-southwest-when-the-fare-decreases/ 2024-05-28T20:25:31Z https://fischfinancial.org/2024/06/14/coloradans-can-buy-a-used-tesla-model-3-for-as-low-as-13000/ 2024-07-24T16:02:41Z https://fischfinancial.org/2024/06/16/invest-half-your-raises/ 2024-06-16T19:03:10Z https://fischfinancial.org/2024/06/16/salary-schedule-lanes-your-million-dollar-or-two-or-three-decision/ 2024-09-25T19:16:05Z https://fischfinancial.org/2024/07/16/tldr-financial-literacy-for-employees-of-utah-public-schools-optimizing-financial-decisions-based-on-your-urs-benefits/ 2024-07-16T14:42:55Z https://fischfinancial.org/2024/07/17/colorado-pera-substitute-teachers-and-independent-contractors/ 2024-07-17T17:57:45Z https://fischfinancial.org/2024/07/24/tldr-financial-literacy-for-employees-of-kansas-public-schools-optimizing-financial-decisions-based-on-your-kpers-benefits/ 2024-07-24T15:36:33Z https://fischfinancial.org/2024/08/07/colorado-peras-signal-light-report/ 2024-09-22T21:30:30Z https://fischfinancial.org/2024/08/26/inflation-again/ 2024-08-26T19:27:29Z https://fischfinancial.org/2024/08/27/taxing-capital-gains-current-law-and-some-interesting-proposals/ 2024-09-05T14:39:35Z https://fischfinancial.org/2024/10/16/appeared-on-the-teacher-money-show-podcast/ 2024-10-16T16:45:33Z https://fischfinancial.org/2024/11/02/peracare-vs-aca-marketplace-2025-edition/ 2024-11-02T20:50:15Z https://fischfinancial.org/2024/11/09/2025-new-year-new-limits/ 2025-07-12T16:18:57Z https://fischfinancial.org/2024/11/15/tldr-financial-literacy-for-connecticut-public-school-teachers-optimizing-financial-decisions-based-on-your-ctrb-benefits/ 2024-11-15T15:22:26Z https://fischfinancial.org/2024/11/17/colorado-pera-lowers-fees-for-401k-and-457b-plans/ 2024-11-17T16:02:13Z https://fischfinancial.org/2024/12/01/you-can-contribute-directly-to-your-hsa/ 2025-01-01T17:24:25Z https://fischfinancial.org/2024/12/05/tldr-financial-literacy-for-north-carolina-public-school-teachers-optimizing-financial-decisions-based-on-your-tsers-benefits/ 2024-12-05T15:44:59Z https://fischfinancial.org/2024/12/06/coloradans-should-buy-an-ev-this-month/ 2024-12-07T15:01:04Z https://fischfinancial.org/2024/12/09/tldr-financial-literacy-for-tennessee-public-school-teachers-optimizing-financial-decisions-based-on-your-tcrs-benefits/ 2024-12-12T00:20:10Z https://fischfinancial.org/2024/12/12/tldr-financial-literacy-for-wisconsin-public-school-teachers-optimizing-financial-decisions-based-on-your-wrs-benefits/ 2024-12-28T18:07:48Z https://fischfinancial.org/2024/12/20/wep-and-gpo-repealed/ 2025-01-05T23:12:26Z https://fischfinancial.org/2024/12/21/knock-on-effects-of-the-wep-and-the-gpo-repeal/ 2025-01-01T23:57:43Z https://fischfinancial.org/2024/12/23/who-has-the-best-pension/ 2025-10-25T22:24:24Z https://fischfinancial.org/2024/12/26/our-2024-credit-card-rewards/ 2025-08-28T03:59:48Z https://fischfinancial.org/2024/12/29/tldr-financial-literacy-for-maryland-public-school-teachers-optimizing-financial-decisions-based-on-your-srps-benefits/ 2024-12-29T15:10:27Z https://fischfinancial.org/2025/01/02/running-for-pera-board-of-trustees-signatures-needed/ 2025-02-01T02:33:05Z https://fischfinancial.org/2025/01/11/asset-allocation-and-rebalancing-spreadsheet/ 2025-02-09T21:00:46Z https://fischfinancial.org/2025/01/13/should-i-invest-in-my-traditional-roth-or-taxable-account/ 2025-01-22T00:17:47Z https://fischfinancial.org/2025/01/14/our-current-portfolio-and-recent-returns-2/ 2025-01-15T14:01:21Z https://fischfinancial.org/2025/01/16/time-to-buy-buy-buy-service-credit-2025-edition/ 2025-01-16T16:03:04Z https://fischfinancial.org/2025/01/17/colorado-pera-automatic-adjustment-provision-trigger-coming-soon/ 2025-01-18T00:53:25Z https://fischfinancial.org/2025/01/22/tldr-financial-literacy-for-alabama-public-school-teachers-optimizing-financial-decisions-based-on-your-trs-benefits/ 2025-01-22T15:42:01Z https://fischfinancial.org/2025/01/23/tldr-financial-literacy-for-lousiana-public-school-teachers-optimizing-financial-decisions-based-on-your-trsl-benefits/ 2025-01-23T14:16:36Z https://fischfinancial.org/2025/01/24/tldr-financial-literacy-for-kentucky-public-school-teachers-optimizing-financial-decisions-based-on-your-trs-benefits/ 2025-01-27T16:08:31Z https://fischfinancial.org/2025/01/24/vanguard-increasing-403b-administrative-fee-to-80-a-year/ 2025-01-24T18:03:07Z https://fischfinancial.org/2025/01/29/should-i-do-a-transition-year/ 2025-01-30T17:23:44Z https://fischfinancial.org/2025/01/30/my-ev-decision-tree/ 2025-01-31T00:47:28Z https://fischfinancial.org/2025/01/31/appeared-on-the-teach-and-retire-rich-podcast/ 2025-01-31T17:56:12Z https://fischfinancial.org/2025/02/08/an-open-letter-in-opposition-to-colorado-sb25-147-modify-board-management-public-employees-retirement-association/ 2025-02-15T22:39:04Z https://fischfinancial.org/2025/02/10/tldr-financial-literacy-for-oklahoma-public-school-teachers-optimizing-financial-decisions-based-on-your-trs-benefits/ 2025-02-10T14:10:41Z https://fischfinancial.org/2025/02/11/tldr-financial-literacy-for-nevada-public-school-teachers-optimizing-financial-decisions-based-on-your-nvpers-benefits/ 2025-02-12T00:59:42Z https://fischfinancial.org/2025/02/12/tldr-financial-literacy-for-arkansas-public-school-teachers-optimizing-financial-decisions-based-on-your-artrs-benefits/ 2025-02-12T15:21:12Z https://fischfinancial.org/2025/02/13/the-driving-to-a-cheaper-gas-station-problem/ 2026-03-20T19:32:36Z https://fischfinancial.org/2025/02/22/you-are-being-a-bad-parent-if/ 2025-02-22T17:00:36Z https://fischfinancial.org/2025/03/04/tldr-financial-literacy-for-mississippi-public-school-teachers-optimizing-financial-decisions-based-on-your-pers-benefits/ 2025-03-04T15:16:51Z https://fischfinancial.org/2025/03/03/2025-colorado-educator-loan-forgiveness-application-open/ 2025-03-03T15:51:17Z https://fischfinancial.org/2025/03/03/climate-is-coming-for-the-value-of-your-home-and-your-region/ 2025-03-03T20:58:53Z https://fischfinancial.org/2025/03/10/tldr-financial-literacy-for-new-mexico-public-school-teachers-optimizing-financial-decisions-based-on-your-nmerb-benefits/ 2025-03-10T14:29:09Z https://fischfinancial.org/2025/03/11/tldr-financial-literacy-for-west-virginia-public-school-teachers-optimizing-financial-decisions-based-on-your-trs-benefits/ 2025-03-11T14:27:40Z https://fischfinancial.org/2025/03/13/the-not-so-nifty-fifty/ 2025-04-02T14:13:03Z https://fischfinancial.org/2025/03/22/not-just-march-madness/ 2025-03-22T18:27:39Z https://fischfinancial.org/2025/03/31/tldr-financial-literacy-for-hawaii-public-school-teachers-optimizing-financial-decisions-based-on-your-ers-benefits/ 2025-03-31T16:05:23Z https://fischfinancial.org/2025/04/01/tldr-financial-literacy-for-delaware-public-school-teachers-optimizing-financial-decisions-based-on-your-sepp-benefits/ 2025-04-01T14:47:10Z https://fischfinancial.org/2025/04/03/tldr-financial-literacy-for-montana-public-school-teachers-optimizing-financial-decisions-based-on-your-trs-benefits/ 2025-04-03T14:54:41Z https://fischfinancial.org/2025/04/02/announcing-my-new-podcast-teaching-you-to-fisch/ 2025-04-02T14:52:38Z https://fischfinancial.org/2025/04/05/tldr-financial-literacy-for-south-dakota-public-school-teachers-optimizing-financial-decisions-based-on-your-sdrs-benefits/ 2025-04-05T13:45:27Z https://fischfinancial.org/2025/04/07/tldr-financial-literacy-for-north-dakota-public-school-teachers-optimizing-financial-decisions-based-on-your-tffr-benefits/ 2025-04-07T14:19:52Z https://fischfinancial.org/2025/04/05/some-possible-upsides-of-a-down-market/ 2025-04-05T22:17:34Z https://fischfinancial.org/2025/04/09/tldr-financial-literacy-for-vermont-public-school-teachers-optimizing-financial-decisions-based-on-your-vstrs-benefits/ 2025-04-09T12:57:52Z https://fischfinancial.org/2025/04/06/podcast-episode-4-spending-and-saving-part-2-the-three-big-rocks-of-spending-food-housing-and-transportation/ 2025-04-06T17:01:28Z https://fischfinancial.org/2025/04/11/tldr-financial-literacy-for-rhode-island-public-school-teachers-optimizing-financial-decisions-based-on-your-ersri-benefits/ 2025-04-11T13:30:31Z https://fischfinancial.org/podcast/ 2025-04-08T14:37:21Z https://fischfinancial.org/2025/04/09/podcast-episode-5-bank-accounts/ 2025-04-09T18:09:27Z https://fischfinancial.org/2025/04/13/podcast-episode-6-employer-benefits/ 2025-04-13T18:28:20Z https://fischfinancial.org/2025/04/14/a-4-rule-for-america/ 2025-04-14T14:00:28Z https://fischfinancial.org/2025/04/16/podcast-episode-7-more-on-insurance/ 2025-04-16T17:08:37Z https://fischfinancial.org/2025/04/18/spreadsheet-growth-of-savings-calculator/ 2025-04-18T21:34:08Z https://fischfinancial.org/2025/04/19/spreadsheet-cost-of-car-ownership-calculator/ 2025-04-19T14:20:44Z https://fischfinancial.org/2025/04/21/spreadsheet-bank-accounts/ 2025-04-21T15:25:46Z https://fischfinancial.org/2025/04/22/spreadsheet-medical-and-dependent-care-fsas/ 2025-04-22T14:39:58Z https://fischfinancial.org/2025/04/24/spreadsheet-growth-of-hsa-over-time/ 2025-04-24T15:02:56Z https://fischfinancial.org/2025/04/20/podcast-episode-8-debt/ 2025-04-20T16:49:08Z https://fischfinancial.org/2025/04/23/podcast-episode-9-credit-card-rewards/ 2026-04-11T19:41:15Z https://fischfinancial.org/2025/04/26/tldr-financial-literacy-for-chicago-public-school-teachers-optimizing-financial-decisions-based-on-your-ctpf-benefits/ 2025-04-26T17:06:31Z https://fischfinancial.org/2025/04/25/spreadsheet-credit-card-compounding/ 2025-04-25T13:19:33Z https://fischfinancial.org/2025/04/28/spreadsheet-credit-card-rewards/ 2025-04-28T12:51:23Z https://fischfinancial.org/2025/04/27/podcast-episode-10-taxes-101/ 2025-04-27T15:45:08Z https://fischfinancial.org/2025/04/30/podcast-episode-11-investing-part-1-vocabulary/ 2025-04-30T15:41:03Z https://fischfinancial.org/2025/05/01/colorado-pera-board-elections-please-vote/ 2025-05-01T14:19:12Z https://fischfinancial.org/2025/05/02/transcript-investing-vocabulary/ 2025-05-02T14:34:55Z https://fischfinancial.org/2025/06/10/whats-missing-from-school-district-benefit-guides/ 2025-06-10T18:39:00Z https://fischfinancial.org/2025/05/04/podcast-episode-12-investing-part-2-asset-location-allocation-and-tax-status/ 2025-05-04T16:53:06Z https://fischfinancial.org/2025/05/05/spreadsheet-simple-rebalancing/ 2025-05-05T13:09:59Z https://fischfinancial.org/2025/05/07/podcast-episode-13-investing-part-3-compound-interest-and-the-secret-life-of-fees/ 2025-05-07T14:15:31Z https://fischfinancial.org/2025/05/08/spreadsheet-asset-allocation-compound-interest-and-fees/ 2025-05-08T13:04:25Z https://fischfinancial.org/2025/05/11/podcast-episode-14-investing-part-4-saving-and-investing-for-college-with-a-529-college-savings-plan/ 2025-05-11T13:33:31Z https://fischfinancial.org/2025/05/14/podcast-episode-15-cash-flow-in-retirement-social-security-pensions-and-safe-withdrawal-rates/ 2025-05-15T02:40:43Z https://fischfinancial.org/2025/05/15/spreadsheet-cash-flow-in-retirement/ 2025-05-15T16:31:08Z https://fischfinancial.org/2025/05/18/podcast-episode-16-health-insurance-in-retirement/ 2025-05-18T14:01:41Z https://fischfinancial.org/2025/05/21/podcast-episode-17-leaving-and-receiving-a-legacy/ 2025-05-21T13:30:36Z https://fischfinancial.org/2025/05/22/spreadsheet-gifting-an-employer-match/ 2025-05-22T21:33:15Z https://fischfinancial.org/2025/05/25/podcast-episode-18-creating-your-personal-financial-action-plan/ 2025-05-25T13:41:44Z https://fischfinancial.org/2025/05/26/spreadsheet-financial-inventory/ 2025-05-27T14:41:12Z https://fischfinancial.org/2025/05/27/spreadsheet-personal-financial-action-plan/ 2025-05-27T14:40:20Z https://fischfinancial.org/2025/06/03/new-book-financial-literacy-for-the-rest-of-us/ 2025-06-03T14:45:33Z https://fischfinancial.org/2025/06/15/inflation-wages-and-investments/ 2025-06-16T02:35:08Z https://fischfinancial.org/2025/07/27/our-heat-pump-and-heat-pump-water-heater/ 2025-07-27T16:14:10Z https://fischfinancial.org/2025/07/28/roth-conversions-and-filling-up-tax-brackets/ 2025-08-03T13:32:21Z https://fischfinancial.org/2025/08/16/the-library-ask/ 2025-08-18T15:35:09Z https://fischfinancial.org/2025/08/25/self-driving-money/ 2025-08-25T16:15:35Z https://fischfinancial.org/2025/08/25/you-may-not-be-middle-class/ 2025-08-25T22:01:03Z https://fischfinancial.org/2025/09/02/using-empower-as-your-financial-aggregator/ 2025-09-02T19:00:20Z https://fischfinancial.org/2025/09/12/free-in-person-class-why-fi-financial-literacy-for-the-rest-of-us-and-a-path-to-financial-independence/ 2025-09-12T19:50:16Z https://fischfinancial.org/2025/09/19/peracare-premium-increases-and-the-impact-of-a-plan-design-change/ 2026-01-29T16:29:52Z https://fischfinancial.org/2025/10/06/colorados-e-bike-tax-credit-decreases-january-1-2026/ 2025-10-06T14:47:11Z https://fischfinancial.org/2025/10/24/the-extraordinary-opportunity-of-starting-early-and-privilege/ 2026-01-06T13:26:41Z https://fischfinancial.org/2025/11/05/peracare-vs-aca-marketplace-2026-edition/ 2026-01-29T16:28:14Z https://fischfinancial.org/2025/11/11/douglas-county-libraries-local-author-showcase/ 2025-11-11T15:16:54Z https://fischfinancial.org/2025/11/11/diversifying-by-purchasing-service-credit/ 2025-11-11T16:38:50Z https://fischfinancial.org/2025/11/18/2026-new-year-new-limits/ 2026-05-02T00:30:32Z https://fischfinancial.org/2025/11/29/car-less-in-colorado/ 2026-04-10T01:18:43Z https://fischfinancial.org/2025/12/01/investing-in-solar-through-energea/ 2026-05-01T16:20:39Z https://fischfinancial.org/2025/12/03/social-security-considerations-for-members-of-colorado-pera-and-other-non-covered-pension-systems/ 2025-12-03T22:15:20Z https://fischfinancial.org/2025/12/19/depositing-cash-to-your-ally-account/ 2025-12-19T19:24:47Z https://fischfinancial.org/2025/12/31/our-2025-credit-card-rewards/ 2026-04-11T19:39:22Z https://fischfinancial.org/2026/01/12/our-betr-roth-conversion-decision-spreadsheet/ 2026-04-21T23:25:10Z https://fischfinancial.org/2026/01/15/please-consider-supporting-colorado-hb26-1026/ 2026-01-15T16:22:05Z https://fischfinancial.org/2026/01/16/our-current-portfolio-and-recent-returns-as-of-january-2026/ 2026-01-16T23:59:10Z https://fischfinancial.org/2026/01/22/colorado-house-prices-and-rent-dont-always-go-up/ 2026-01-22T19:56:21Z https://fischfinancial.org/2026/02/13/how-colorado-pera-front-loads-service-credit-in-the-school-and-dps-divisions/ 2026-02-13T20:54:37Z https://fischfinancial.org/2026/02/20/three-90-minute-presentations-every-school-district-should-give-to-their-employees-and-here-are-the-resources-to-do-it/ 2026-02-20T21:24:11Z https://fischfinancial.org/2026/03/06/educational-session-tax-planning-safe-withdrawal-rates-and-withdrawal-strategies-in-retirement/ 2026-03-06T16:28:15Z https://fischfinancial.org/2026/03/08/where-do-i-put-short-term-money-for-college-savings/ 2026-03-09T01:14:05Z https://fischfinancial.org/2026/03/09/five-tailwinds-for-earlyier-retirement/ 2026-03-25T03:58:54Z https://fischfinancial.org/2026/03/21/tax-breaks-for-paying-for-continuing-education/ 2026-03-21T14:56:56Z https://fischfinancial.org/2026/03/21/2026-colorado-educator-loan-forgiveness-application-open/ 2026-03-21T15:09:26Z https://fischfinancial.org/2026/03/25/one-year-of-an-all-electric-house/ 2026-03-25T23:39:26Z https://fischfinancial.org/2026/03/28/leveraging-your-hsa-to-increase-your-roth-contributions/ 2026-03-28T16:50:31Z https://fischfinancial.org/2026/04/03/talking-evs-on-the-teach-and-retire-rich-podcast/ 2026-04-03T17:04:18Z https://fischfinancial.org/2026/04/06/planning-for-potential-long-term-care-costs-in-retirement/ 2026-04-06T20:06:01Z https://fischfinancial.org/2026/04/09/the-state-tax-deduction-many-people-miss/ 2026-04-11T18:59:56Z https://fischfinancial.org/2026/04/18/hsa-conversions-for-very-early-retirees/ 2026-04-21T22:52:46Z https://fischfinancial.org/2026/04/24/asset-allocation-for-tax-optimization/ 2026-04-24T21:53:32Z https://fischfinancial.org/2026/05/14/tax-aware-strategies-for-gifting-and-giving/ 2026-05-14T16:38:33Z https://fischfinancial.org/2026/05/06/exemplifi-conference-june-27-2026-free/ 2026-05-06T14:56:18Z https://fischfinancial.org/2026/05/18/two-strategies-to-help-you-be-more-intentional-with-your-spending/ 2026-05-18T15:56:16Z https://fischfinancial.org/2026/05/19/front-loading-a-529-plan-two-examples/ 2026-05-19T16:45:06Z