You’re Getting Warmer!
These guides to pensions, investments, and other personal finance topics give you the basics to build your knowledge and understanding.
Posts in this collection feature an orange hourglass icon that’s ‘halfway there.’
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Are You Ready For the Big One?
Financial independence is not easy. If it was, more people would be financially independent. We all know we’re going to get old(er). We all know we can and should save more — for emergencies, for college, for retirement.
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Artificial Affluence and Cash Flow
Understanding cash flow is essential to determining your financial health and determining if you are living in a state of artificial affluence.
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Artificial Affluence and Net Worth
In addition to the challenge of cash flow, artificial affluence can also impact saving and investing for the future. When monthly living expenses consume or exceed income, the willingness and ability to set aside money for retirement, college expenses, or emergencies suffers.
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How To Understand and Measure Net Worth
Speaking from experience, calculating your net worth is far funner when your assets are greater than your liabilities. But you cannot be financially independent without knowing, monitoring, and building your net worth. Period.
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Tax-Advantaged Investments for Educators
This post is about tax-advantaged investments which are defined contribution plans. Learn about 403(b) and 457(b) programs and why these should be part of every educator’s plan for financial independence and retirement.
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Three (Plus One) Magic Pots For Financial Independence
The bucket (or pot) strategy is traditionally associated with planning and living in retirement. But I personally think that conceiving personal finance in terms of these categories can also be very helpful.
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Why 59 1/2 Is the New 30
Between living in a society which persistently values and seeks to preserve youth and being surrounded by kiddoes in our schools, educators can be forgiven for living in a hallucination of youthfulness. But financial independence and retirement means we must accept and plan for a future in which we will, inevitably, be old(er).