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…