Category: Teardowns

Teardown: How Much Are Your Stock Options Really Worth?

Reading Time: 10 Min If you are seeking your fortunes at a tech firm or as senior level management, odds are your offer letter comes with some allocation of stock options. This grant is supposed to buy your loyalty and entice you to stay in the long-term, but paradoxically employees are often given next to...

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...

Teardown: How to Build an Airtight Retirement Budget

Reading Time: 12 Minutes   Building a retirement budget can feel like an overwhelming exercise. You may want to move to a lower cost of living area or a state with no income tax post retirement. You must plan for a different stage of your live that will involve different needs around medical costs and...

Teardown: Metrics You Need To Track For Financial Takeoff

Reading Time: 7 Minutes You make what you measure. If you don’t have a constant metric you can monitor, you cannot be disciplined about what you do. Having a concrete target to track helps you prioritize, build momentum, and ultimately makes the whole thing fun. That means you need to start your journey with a clear...

Teardown: How Much Do You Need To Retire?

Reading Time: 12 Minutes What academic research suggests is a safe withdrawal rate to calculate your retirement needs and the three scenarios you should test to arrive at your target number. There are dozens of competing philosophies out there on how to calculate your required retirement nest egg. I have spent over a hundred hours...

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