An Offer You Can’t Refuse
When investments are too guaranteed, their returns (quite literally) must be small. This is a fundamental truth of investing.
The Best Interest »
Investing & Retirement
Should you be hand-picking stocks? Timing the market? Or taking the “lazy portfolio” way out?
Investing and Retirement are complicated and consequential topics. The articles below address these complex ideas.
I hope you enjoy them! And let me know what other questions you’d like me to dig into.
You Can’t Control The Waves…
“You can’t control the waves, but you can learn to surf.” Investors needs to learn to “surf” whatever the market throws at them.
Dear Parents: Follow The 50/50 Rule for College Saving
After a few real-life conversations and my running the math, I’ve decided that a “50/50” rule for college saving achieves the best of both worlds.… Read More »Dear Parents: Follow The 50/50 Rule for College Saving
The Powerful Benefits of Roth Conversions
After I wrote a simple primer on Roth conversions a couple weeks ago, several readers reached out asking for more details. A few specific snippets… Read More »The Powerful Benefits of Roth Conversions
Should You Consider Roth Conversions?
I grew up east of Rochester, in Upstate New York’s apple country. New York produces ~30 million bushels of apples per year, second among the… Read More »Should You Consider Roth Conversions?
Fundamentals Of Retirement: Is the Summit “Good Enough?”
The Adirondack Mountains are a gorgeous outdoor wonderland, attracting tourists from all over the world. The park covers 20% of New York state (3x larger… Read More »Fundamentals Of Retirement: Is the Summit “Good Enough?”
“I Wouldn’t Know Where to Start” – 16 Questions to Ask A Financial Advisor
True story. I taught finance to school teachers last week. And one of their questions was so good, I had to write this article in response.
Accounting for Inflation in Retirement and FIRE Planning
Let’s discuss the proper way to account for inflation in retirement and FIRE planning. I lurk in some online personal finance forums, and what I… Read More »Accounting for Inflation in Retirement and FIRE Planning
Winning the Game: Retiring at 57 with $4.2M
I want to share a fantastic Q&A from this past week. A reader, “Vince,” wrote in and said: Hi Jesse. I just reread your best… Read More »Winning the Game: Retiring at 57 with $4.2M
The Important Details Behind 529-to-Roth Conversions
The SECURE 2.0 Act, passed in 2022, featured many new tax and investing rules. Perhaps the most publicized change is that people can convert 529… Read More »The Important Details Behind 529-to-Roth Conversions