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Latest Articles
- 5 Best Retirement Calculators and Planners (#1 is Free)Retirement calculators can help us plan and prepare to retire. When we are years away, these online tools can help us determine how much we should be saving. As we approach our time to retire, they can help us understand how much we can spend each year and which accounts should fund that spending. Not […]
- 7 Best Mint Alternatives in 2021 (Free & Paid)Mint was one of the first free online budgeting apps when it launched in 2007. Intuit purchased Mint in 2009, and today many users are looking to replace Mint with a different personal finance app. Here are the 7 best Mint alternatives worth considering. Top Mint.com Alternative Picks Of all the options out there to […]
- 3 Ways Early Retirees Can Tap Retirement Accounts Without a 10% PenaltySummary: In most cases, distributions from a 401k, IRA or other retirement account before the account owner reaches the age of 59.5 are subject to a 10% penalty. There are, however, a number of exceptions. Some of the exceptions are unique to IRAs, while others are unique to 401k and other Workplace Retirement Plans. Hardship […]
- Fidelity ZERO Funds–Are They Worth the Cost?Fidelity launched its ZERO index funds in 2018 to much fanfare. As their names suggest, these funds carry no expense ratios, a first in the industry. As great as a “free” mutual fund may sound, however, many wonder whether there is a catch. Recently a subscribe to my YouTube channel asked the following questions: Could […]
- The 60/40 Portfolio for Retirees–Good, Bad or Ugly?The 60/40 portfolio has powered retirements for decades. With 60% stocks and 40% bonds, this balanced fund offers equity-fueled growth and fixed income stability. Today, however, many are calling into question the sustainability of the 60/40 portfolio. Some even argue that it’s dead and that retirees need take on more risk if they want to […]
- How Much Cash Should Retirees Keep On Hand?Moving from a regular paycheck to living off of your nest egg is not an easy transition. At least it hasn’t been for me. One of the many decisions retirees must make is how much cash should they have in the bank. For some it’s a question of budgeting. They keep enough to pay the […]
- How Investment Fees Affect WealthIt costs money to invest. We pay all types of fees, some obvious, some not so obvious. In this article I’m going to walk through the most common investing fees you are likely to encounter. Then we’ll examine just how destructive a seemingly small amount of fees can be to your wealth and retirement. Do […]
- Personal Capital Review and User’s Guide (Update for 2021)
Personal Capital is a financial tool that enables you to manage 100% of your finances from a single dashboard. I’ve used the app for years. In this Personal Capital review and user’s guide, I’ll walk through all of its features and how to leverage them to help you make the most of your money. This […]
