Tag: retirement

The (Financial) Advantages of Living at Home

You have probably noticed a plethora of stories lately about how young people today are not moving out of the house very quickly after high school/college. There are many, many reasons for this (financial, emotional, and other). The stories you read typically take one of two approaches, depending on the focus of the author. The … Continue reading The (Financial) Advantages of Living at Home →

Colorado’s 529-to-Roth IRA Rollover Now Available

I've written previously about how the Consolidation and Appropriations Act of 2023 now allows account holders to transfer money from 529 plans to the beneficiary's Roth IRA beginning in 2024. Now that we're in 2024, Colorado's CollegeInvest 529 Plan (Direct Portfolio plan) has now posted the necessary form. While hopefully you are in the Direct … Continue reading Colorado’s 529-to-Roth IRA Rollover Now Available →

Our Current Portfolio and Recent Returns

Last April I shared our portfolio and some of the different ways we look at it. I thought it might be nice to update it each January. That previous post has a bit more descriptive verbiage, so refer back to it if you need to. Asset Location Like many people, by necessity we have our … Continue reading Our Current Portfolio and Recent Returns →

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? →