Random Roger's Retirement Planning

DECEMBER 17, 2023

Food, various utilities (a lot of things lumped in here), other insurances, what else? These items for us include things like propane delivery (we could pay monthly), property tax and so on. Simple math is that this person needs to save $23/yr to come up with that additional $350,000. 5000 per for 15 years is $75,000.

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Retirement Math Insurance Taxes 75

Clever Girl Finance

SEPTEMBER 11, 2023

And don’t worry if math isn’t your thing because we’ve included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. You start off with your after-tax income, which represents 100% of what you have to work with, and then you work out the different spending groups from there.

Budgeting 94

Budgeting Taxes Transportation Healthcare 94

Good Financial Cents

SEPTEMBER 29, 2022

However, by doing a little math, you can easily determine your hourly wage from your annual salary. represents your gross hourly rate before taxes or other deductions. every two weeks, before taxes and other deductions like health insurance premiums, FICA, or insurance. How Much Is $55000 a Year After Taxes? Biweekly Pay.

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Budgeting Taxes Transportation Insurance 64

The Big Picture

AUGUST 20, 2024

00:03:14 [Mike Greene] So that was actually an outgrowth from my experience coming out of Wharton and you mentioned the, the, you know, the transition of people who tended to be skilled at math or physics into finance. People earn wages, whether it’s a retirement account or a tax deferred account or just an investment account.

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Assets Management Portfolio Taxes 173

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. So that's quite a bit to chew on even if it isn't a new idea. Is he right? Is he wrong?

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Retirement Math Management Taxes 66

Clever Girl Finance

JULY 13, 2024

These might include food or frugal meals , rent or mortgage payments, utilities, healthcare, and transportation like car payments. The math may not work for your income right away Unless you have a very large income, this budget could be challenging without some major lifestyle and financial changes.

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Budgeting Transportation Retirement Food 77

The Big Picture

JANUARY 16, 2024

I was always good at math, but I really, I just didn’t relate to things that were more esoteric bonds options. As it did, I worked for a very large syndicator right out of school, which was right around the time the tax laws changed. But in those days, there were very tax driven investment. I have no family history.

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Assets Investments Investing Management 264

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Part of the math that determines options premiums is the risk free rate of return from T-bills. Retire, move to Spain, enjoy food and excellent healthcare. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Retirement Accounting Math Healthcare 75

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. You can use a gross figure or your actual take-home pay (aka net income) after taxes. Just include the things you can’t live without (housing, utilities, food, health insurance, etc).

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Assets Numbers Math Retirement 89

Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. You can choose whether to use a gross figure or your actual take-home pay after taxes. Just think about the things you can’t live without (housing, utilities, food, health insurance, etc). Okay, you’ve just gone through a lot of math—take a breath!

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Numbers Assets Retirement Budgeting 83

The Big Picture

SEPTEMBER 12, 2022

I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. BITTERLY MICHELL: The food, we could talk about the food for a long period of time. there’s a big focus on how do we optimize for tax efficiency, too. I love statistics.

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Clients Wealth Management Banking Investments 299

Clever Girl Finance

OCTOBER 17, 2023

What about after taxes and benefits? How much an hour is 45000 a year after taxes? Some fall under different tax situations that can affect your take-home amounts. How much an hour is 45000 a year…after taxes? How much an hour is 45000 a year after taxes? So, 45,000 a year is how much an hour?

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Taxes Numbers Math Budgeting 52

Clever Girl Finance

JANUARY 29, 2023

Any medical debt, personal loans, or back taxes are also considered liabilities. Best net worth calculator by age Why not make the math simpler when finding net worth? While net worth and savings are not the same, savings are a big contributor to net worth so it's worth mentioning. Your liabilities are your debts.

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Budgeting Retirement Assets Education 119

Clever Girl Finance

SEPTEMBER 25, 2023

After all, taxes and expenses can eat into your income before you even have a chance to make a budget! Calculating $15 an hour per year after tax Expert tip: You can stretch your income by investing! It’s important to remember that there is a difference between pre-tax income and after-tax income.

Budgeting 52

Budgeting Taxes Accounting Transportation 52

Good Financial Cents

DECEMBER 19, 2022

When you actually do the math, traditional braces or Invisalign can easily cost $24,000 or more for four kids! One of the benefits of an FSA is that it can help people save money on taxes. And, because the money in your HSA grows tax-free, it can really add up over time.

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Insurance Planning Medical Accounting 84

Midstream Marketing

SEPTEMBER 24, 2019

As a financial advisor or other investment professional, you’re no doubt already well aware that the “math” side of the conversation is a large part of what your clients need help with every day. The Power of Financial Advisor Calculators. True Cost of Living Calculator. Mortgage Refinance Calculator.

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Financial Advisor Retirement Planning Retirement Planning 52

The Big Picture

JUNE 6, 2023

It’s not food. People smile because they go, wow, they never thought of it, most people when it comes to food. It’s much deeper than math. SETHI: Yes. RITHOLTZ: It’s clothes. RITHOLTZ: That sounds like fun. RITHOLTZ: Right. Non-judgmentally, but let’s talk about what’s going on.

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Accounting Numbers Budgeting Financial Counseling 130

Clever Girl Finance

JULY 6, 2023

Bookkeeping and accounting If you liked math in school and have a knack for numbers, you might make a great bookkeeper. A short-term rental business can help you cover the mortgage and taxes on a property and turn a profit, but it can also be risky during periods of travel uncertainty.

Clients 96

Clients Media License Advertising 96

The Big Picture

AUGUST 15, 2023

So for a taxable investor, hedge funds generally aren’t tax efficient. And when you look at the assets that are invested, the three trillion in hedge funds, I would guess that north of 90% of that are in institutions that don’t pay taxes. It’s part of their own tax planning. I like Buffett’s idea.

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Management Investments Investing Government 130

Good Financial Cents

AUGUST 19, 2023

EXPERT TIP That brings us back to simple math – multiplying your annual income times the number of years your family’s living expenses will need to be covered. The cash value of a whole life insurance policy also grows on a tax-deferred basis, and you can borrow against this amount if you need a loan.

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Insurance Insurance Coverage Medical Certified Financial Planner 97

Good Financial Cents

APRIL 19, 2023

Betterment is great at reducing any taxes you have to pay on your investments, and they work with you to give you the best financial advice through their algorithms. The math when paying down debt is simple – if your loan is currently at 7% and you refinance at 3%, that’s equivalent to a 4% return on your money!

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Accounting Investments Investing Media 105

The Irrelevant Investor

AUGUST 9, 2018

They cite a study that looked at share buybacks in the restaurant, retail, and food industries from 2015 to 2017. They'll cite the fact that companies are going to buy back $1 trillion in stock this year, due to the excess cash provided by the tax cuts. The S&P 500 price index has gained 156% over the same time.

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Economics Investments Investing Distribution 52

The Big Picture

MARCH 12, 2024

That includes all of its changes in its property taxes, it’s, it’s depreciable life for the improvements of the assets. In fact, Amazon began that when they bought Whole Foods. They cover the, the chance that the AC breaks, they don’t have to pay for that property taxes, insurance, the whole nine yards.

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Banking Investments Investing Marketing 147

The Big Picture

JULY 31, 2023

Burger King Tim Hortons, I remember very clearly because it was in the middle of those waves of kind of tax dodgy, those inversion deals. I mean, you’re talking about, I don’t, I could do the math, it’s like a 10,000% return in like three weeks. RITHOLTZ: It’s always food. HOFFMAN: It’s always food.

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Retail Government Economy Economics 130

The Big Picture

NOVEMBER 15, 2022

Hey, show me companies where the board has at least two women on it, or you could tilt towards value, or you could tilt towards small cap, or you can use it for tax loss harvesting or philanthropy. I read all those academic papers, I understand where the math comes from. It’s how math works. RITHOLTZ: Right. NADIG: Right.

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Management Assets Portfolio Investments 278

The Big Picture

APRIL 2, 2024

So when I was at this very fancy private school that I was at as a kid, I did math because it gave me a huge amount of free time to do the things I really cared about. But when I got to Cambridge, you know, the math was sort of serious there. So, you know, I took my math into statistics and things. Am I getting right?

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Healthcare Medicine Economics Numbers 147

The Big Picture

NOVEMBER 21, 2023

So here’s the math, Barry. If you start with a thousand and you only have an addition of $750 a year, okay, families can contribute to that, your 00:44:48 [Speaker Changed] Corporate tax free. Do the dogs want to eat the dog food? You take it out tax free as well. 00:44:49 [Speaker Changed] Correct? Completely.

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Investments Investing Startup Accounting 246

The Big Picture

SEPTEMBER 26, 2022

And health tech, sports tech, food and again, these are sectors where there’s some regulations, and entrepreneurs need to understand that, investors need to understand that. The math never seems to work out. RITHOLTZ: You raise an interesting policy question.

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Startup Investments Investing Numbers 173