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I am writing this post for one reason – to debunk a terrible, bullsh** study which concludes that: “The later you retire, the earlier you die.” 

Let’s spell out an example of how tax-gain harvesting actually works in practice.

In the purest mathematical way, mortgages eventually hit an asymptote. Long-duration mortgages become identical to infinite mortgages.

If we think that the stock market is overvalued right now, doesn’t it make sense to sell some stocks and move that money to cash?

Should I use an annuity to execute a tax-free Roth Conversion? That’s what they told me at the free steak dinner…

Should you assume 10% returns from the stock market – or something else – when projecting out your retirement plan?