Author: Financial Advisor
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The Moving Line in Financial Security: From “Never” to “Why Not”
Intro The goal of this note is not to tell you how to live, but to give you a framework to evaluate your own decisions.It is useful to balance the numbers when we talk about expenses in our life.There is a well-known discussion about avocado toast and lattes “ruining” your financial future, or not.Usually, the…
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Rebalancing 401k: Target 2030 vs S&P 500
Short illustration on how much impact a few minutes of 401(k) plan tweaking can bring. If you are near retirement, your target plan is probably too conservative, and here is another reminder for you to check it. For each $100K in the retirement account, you could have earned $8K more this year if you spent…
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Best time to start
The best time to start financial education was ten years ago. The second best time is now
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On the price of financial instruments
Eating in the restaurant instead of buying four in a grocery store is a waste of money Buying new car instead of used one is a waste of money Buying annuities or life insurance instead of stocks is a waste of money NOT At some point in life it is time to spend more and…
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Audience Disclaimer
Every note has its target audience Each note is tailored for a specific audience with distinct financial circumstances in mind. Analyzing financial situations relies greatly on context. If you do not belong to the intended group, applying these conclusions to your own case may lead to inappropriate results—this is expected and does not mean the…
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2025 December: It is time to rebalance Google stock
*** if you are heavily invested After years of tracking the Nasdaq 100 index (QQQ), Google has nearly doubled its performance. If you are heavily invested in Google and want to lock in these gains while moving toward a more secure retirement, now is an ideal time to take action. Consider rebalancing by arranging an…
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Financial basics. Definitions and labels
Investments Investment is a way to grow your money by lending it to a business. As the business expands and earns more, your investment increases in value. Ideally, investments never lose money and consistently generate returns higher than the initial amount invested.Historically, investing was a privilege reserved for the wealthy, requiring a broker to purchase…
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“Do You Really Love Your Job?”
Some people say they love their job. (While many others secretly count the days until Friday, but this is different story) Here’s a quick thought experiment for the first group. Imagine I make you an offer:You’ll never have to worry about money again.From today until the end of your life, everything you need is fully…
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Roth IRA and Roth 401K – start now
The thing is big. Especially if you are young and poor. You only allowed to put 7K/year per person to Roth IRA and only if you earn not a lot. And this is for a reason. It is so great that rich people would flood this account with money if given a chance. So do…