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One of the most common questions I get is “should I invest in a permanent life insurance policy?” (or one of the many other names given to life insurance policies that carry a “cash value”). 100% of the time I am asked that question, it is coming from a young investor who has been recommended […]

Sometimes I hear from people who are so concerned about taxes, they’re missing the bigger point. You want your investments to actually make money!‎ ‎ For example, let’s say you can’t contribute any more to a Roth IRA because you’ve maxed out the $6,000/year contribution limit. Is it still worth it to invest in a […]

‎ The budget deficit is a relatively simple metric. You take all the revenue the federal government brings in, then subtract all the spending. What you’re left with is the budget surplus… or if we spent more than we brought in, the deficit. As you can see the federal government almost always spends more than […]

I was a renter my entire adult life. Then a year ago I finally decided to upgrade to the two bedroom condo shown in this picture. (It looks like a house, but I share my back wall with two other units, so it’s technically a condo). ‎ ‎ I honestly wrestled with the decision about […]

I haven’t posted about this before because I didn’t think it was all that interesting. But I think a lot of people who are eyeing early retirement have a lot of anxiety around what they’ll do about health insurance.‎ ‎ First of all, I think it’s really weird that in our country our ability to […]

One of the questions I get most is how to invest for a child’s future. When I ask some follow up questions, I often find out that the parent is in debt, has little money, and hasn’t invested yet for their own future. I honor and respect the motivation. The parent didn’t get a financial […]

Becoming a millionaire really is this simple. Live on less than you make. Invest the difference. Let compound growth do the work over time. Why doesn’t everyone do this? Well as Warren Buffet says, “because nobody wants to get rich slowly”.⁣⁣ ⁣⁣ The math in this example assumes a 10% return on your investment. That’s […]

The most valuable 10 minutes of your life might be the 10 minutes where you set up an auto investment into your Roth IRA. That one step can make you a millionaire over time.⁣⁣ ⁣⁣ The math above assumes a 9% return over the course of 40 years. As a point of reference, the US […]

I have a vision of the power of buying and holding index funds. When you buy a single target date index fund (like VTTSX), you’re owning a piece of over 10,000 US and global companies contained within. Every day those companies are working, innovating, growing, becoming more efficient, and profiting. And as an owner of […]

I often get questions like “Hey Jeremy, I have $5,000 what do I do with it?”. This is the logic I usually walk them through. ⁣ ⁣ I think focus is important. I wouldn’t work on more than one of these steps at a time. I most often see people feeling stuck when they’re doing […]