The negotiation advice about timing the ask after a major win is underrated. Context matters as much as the script.
Following this thread for updates
Respectfully disagree. Here's my experience: Honestly it changed how I think about the whole hobby
The 401k plan document reading guide is something everyone should do once a year and almost nobody does.
Running the rent vs buy numbers for my market this weekend. This methodology is exactly what I was looking for.
The backdoor Roth is way simpler than people make it sound. Done it three years running.
I used the exact same rent-to-own calculation for my city and reached the same conclusion. Renting wins at a 7-year horizon.
The compound interest early vs late investor example never stops being shocking even when you've seen it before.
Great point about the HSA investment account. Most people just leave it in cash and waste the triple tax advantage.
Great point about dividend. I'd add that invest in quality over quantity
Saving this for later
Realizing that 'boring' is exactly what a good investment portfolio should be was genuinely liberating for me.
The disability insurance vs life insurance imbalance is incredibly common, especially among younger workers.
Three months emergency fund vs six months is a reasonable compromise when you're still building it.
The HSA triple tax advantage blew my mind when I first understood it. It should be the second account most people open after the 401k match.
The point about the AUM fee compounding over 20 years really clarifies why fee-only advice is almost always better value.
The 'pay yourself first' automation is the single highest-leverage change most people can make.
I bonds were a great deal at 9.62%. As an ongoing strategy now, less compelling.
This is exactly why I left my AUM financial advisor after two years. The fee drag was too real.
Create an account to continue.
The negotiation advice about timing the ask after a major win is underrated. Context matters as much as the script.
Following this thread for updates
Respectfully disagree. Here's my experience: Honestly it changed how I think about the whole hobby
The 401k plan document reading guide is something everyone should do once a year and almost nobody does.
Running the rent vs buy numbers for my market this weekend. This methodology is exactly what I was looking for.
The backdoor Roth is way simpler than people make it sound. Done it three years running.
I used the exact same rent-to-own calculation for my city and reached the same conclusion. Renting wins at a 7-year horizon.
The compound interest early vs late investor example never stops being shocking even when you've seen it before.
Great point about the HSA investment account. Most people just leave it in cash and waste the triple tax advantage.
Great point about dividend. I'd add that invest in quality over quantity
Saving this for later
Realizing that 'boring' is exactly what a good investment portfolio should be was genuinely liberating for me.
The disability insurance vs life insurance imbalance is incredibly common, especially among younger workers.
Three months emergency fund vs six months is a reasonable compromise when you're still building it.
The HSA triple tax advantage blew my mind when I first understood it. It should be the second account most people open after the 401k match.
The point about the AUM fee compounding over 20 years really clarifies why fee-only advice is almost always better value.
The 'pay yourself first' automation is the single highest-leverage change most people can make.
I bonds were a great deal at 9.62%. As an ongoing strategy now, less compelling.
This is exactly why I left my AUM financial advisor after two years. The fee drag was too real.