Category: Growing Your Money

Easy Data: Your Blindspot When It Comes to Investing Advice

  Reading Time: 7 Min   Today’s post is about how data, as powerful as it is, limits the dialogues you see for how to invest your money and, more importantly, what to do about it. No one needs a post about how awesome data is. The most convincing argument for where to invest your...

Why Real Estate Advice Is Dangerous: Hyperlocality

Reading Time: 3 Min Everyone seems to have a gut reaction about real estate as an investment, and those opinions clash violently. I used to wonder about this – at family gatherings, my intelligent cousin would try and convince my equally intelligent uncle from across the country why real estate was an excellent bet, and...

What Retirees Can Do About Today’s Low Interest Rate Environment

Reading Time: 8 Min    If you’ve read my last post, you understand why today’s environment is so difficult for aspiring retirees. Retirees want steady cash flow options, and that often means parking a big chunk of change in bonds. However, bonds are paying a ridiculously tiny 2-3% interest compared to the 7-10%+ interest rates...

Interest Rates: A Breakdown in Your Retirement Strategy

Reading Time: 4 Minutes   The name of the game as a retiree is cash flow. Because you are no longer generating annual income to pay your bills, investments that provide consistent cash flow start to look more appealing than their long-term, appreciation-based counterparts.   This is why a lot of advice focuses on buying...

Teardown: The Only Two Ways To Grow Your Money

Reading Time: 7 Minutes   When I was just starting out, I read pretty voraciously about how to invest and where I should put my money. The advice is varied and often piecemeal. For a few years, I dumped my money into a Fidelity target fund. It gave me an allocation of stocks and bonds...

Mortgage or All Cash For a House?

Reading Time: 12 Minutes   Owning a house is a central part of the American Dream. It is a bastion of security in a wild world to know your family will have a roof over its head no matter what may come.   Somewhere along the way, though, particularly in the early retirement community, the...

Four-Step Blueprint to Retirement: Part 2

Reading Time: 8 Minutes   This is part two of a two part series on achieving retirement. As we already know from part one, there are two universal equations that govern our retirement progress. The savings equation and the nest egg equation.   Universal Retirement Equations   1)   Income – Spending = Savings 2)   Savings x...

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