Full Resource List
We write on practical, thoughtful, well-sourced topics that apply to our clients written by David, Alishia and other humans--not AI.
Below is our full list of resources. Click on the tags in each post to see more on that topic.
A Better Way to Manage Your Emergency Fund
The question I get the most is, ‘Should I invest my emergency fund in the stock market?’ Your bank account has never been great at making money. For most of the 2000s, inflation has beat CD rates, which are usually a bit higher than regular bank account rates. The late 80s and 90s were the last time one could reliably make a little money after inflation in a bank account.
Pursuing "Enough" is Harder Than Pursuing "More"
Imagine you pass away and leave $75,000 in a bank account (approximately the median inheritance for the 50th-90th percentile of total wealth.) That sum represents money you didn't you didn't need to earn, right? Effectively, says author of 'Die with Zero' Bill Perkins, you worked for 'free'. I would add you might have missed out on experiences. You could have taken an amazing safari or two with that money!
Including I Bonds in Your Financial Strategy
I love I Bonds and have had them since 1999. If you can wait a year to get your money back a bit like a CD, they are an incredible choice for your ‘safe’ money. However, they are not as easy to use as one would hope and I think they fit best in a long-term strategy.
Do You Have a SARSA?
Have you heard of the SARSA? The ‘Super Awesome Retirement Savings Account?’ No, you haven’t because it doesn’t exist. Instead, it’s stupidly called a ‘Healthcare Savings Account’. Do you have one? Are you maxing it out ($3,600 single, $7,200 family) and not spending it? You should.