Random Roger's Retirement Planning

JUNE 3, 2024

Part of the equation is that he is convinced that tax rates have to go up to pay for out debt and so converting to a Roth now before tax rates do go up will result in people ending up with more after tax dollars versus just going the RMD route at what is now 73 on its way to 75. I have no goal, no number in the normal context.

Numbers 98

Numbers Taxes Retirement Accounting 98

The Big Picture

JANUARY 21, 2025

Barry Ritholtz : The the funny thing is, the behavioral aspect of mutual funds seems to have been when people finally learn about a manager who’s put up great numbers, by the time it makes to make makes it to Forbes, hey, most of that run is probably over and a little mean reversion is about to kick in. Right, right.

Investing 147

Investing Investments Management Retirement 147

Random Roger's Retirement Planning

NOVEMBER 6, 2023

My process here for the notional values was that the multiplier is 100 so a put struck at 4100 would hedge $410,000 worth of stock, so then I just multiplied the dollar amount by the number of puts. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Math 105

Math Education Management Taxes 105

Cornerstone Financial Advisory

JANUARY 8, 2024

The interactive tax assistant tool can also help to determine your filing status and any relevant credits you should (or should not) claim. Math errors: Simple addition and subtraction mistakes can delay your return. Consider using electronic filing software that does the math automatically to avoid mistakes. What is it?

Marketing 98

Marketing Marketing Taxes Economics 98

Carson Wealth

FEBRUARY 22, 2023

Matt Kory, Vice President, Retirement Programs As a retirement income vehicle, the 401(k) is second in popularity only to Social Security – and as CNBC reported in 2019 the number of 401(k) millionaires is at an all-time high. Just think of the numbers. People are living longer these days, and that number is only going up.

Retirement 98

Retirement Taxes Planning Math 98

Random Roger's Retirement Planning

JANUARY 6, 2025

My 64 and 2 month number is $3049 which is where I get the $1524.50 number for her. 6300 in today's dollars goes a long way for us, that's quite a bit more than our fixed monthly expenses but might be about equal to regular monthly expenses plus once or twice a year type expenses like property tax, home owners insurance and so on.

Retirement 52

Retirement Retirement Planning Insurance Medical 52

Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. In mathematical terms, a ratio is essentially a way to compare two numbers to each other. Since personal finance is all about numbers, that can come in handy in many ways! However, their value tends to fluctuate more so it’s not a stable number).

Numbers 97

Numbers Assets Retirement Budgeting 97

The Big Picture

MAY 9, 2023

He co-chairs a number of the asset management investment committees. So how do you then go from tax and audit practice to finance and investing? So I interviewed with a bunch of banks, got a number of job offers by the end of the week, and joined Goldman Sachs in October 1998. What can I say about Julian Salisbury?

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Assets Clients Investing Investments 299

Random Roger's Retirement Planning

JUNE 30, 2024

We've gone over the math before that starting as late as 55 can catch a lot of the way up if they can afford to save a very high percentage of their income. Smart Asset calculates $70,000 gross income working out to $57,187 after tax. Obviously you can discount those numbers if you expect lower returns going forward.

Retirement 75

Retirement Math Taxes Accounting 75

Random Roger's Retirement Planning

FEBRUARY 29, 2024

The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. That just isn't the reality.

Marketing 95

Marketing Marketing Math Portfolio 95

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. In mathematical terms, a ratio is essentially a way to compare two numbers. Since finance is all about numbers, that can come in handy in many ways especially when making financial calculations!

Assets 98

Assets Numbers Math Retirement 98

Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. Keep in mind that this calculation represents the gross annual salary, not accounting for taxes, insurance, 401K, or deductions.

Budgeting 73

Budgeting Taxes Numbers Retirement 73

Clever Girl Finance

AUGUST 14, 2022

Self-employment tax. Another sinking fund example would be a fund you set up for your taxes. If you run your own profitable business, you can expect to owe money to the IRS in the form of self-employment tax. Divide the amount needed by the number of months. What number of sinking funds? Omni calculator.

Budgeting 105

Budgeting Accounting Medical Math 105

Carson Wealth

MARCH 2, 2023

Run Your Numbers You need to get a handle on your various sources of income and where they are housed — as in, how easily you can access them when you need them. After you’ve done this math, you might be wondering if you have “enough,” and certainly that’s hard to assess when there are so many unknowns.

Retirement 98

Retirement Taxes Accounting Financial Advisor 98

Clever Girl Finance

FEBRUARY 10, 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 98

Budgeting Taxes Transportation Healthcare 98

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing.

Banking 204

Banking Government Insurance Taxes 204

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 104

Budgeting Taxes Transportation Healthcare 104

Random Roger's Retirement Planning

DECEMBER 17, 2023

These items for us include things like propane delivery (we could pay monthly), property tax and so on. Do the bottom up work, it won't take long, to figure out some real numbers. Simple math is that this person needs to save $23/yr to come up with that additional $350,000. BTW, I mean that literally, it is all on a spreadsheet.

Retirement 75

Retirement Math Insurance Taxes 75

The Big Picture

OCTOBER 21, 2024

I’m good at math and science and you know, I always had an idea what go into business, but I felt that electrical engineering would be a good foundation. And so there was a number of less liquid markets that made for quite wide spreads. And you know, I think ultimately there was a number of opportunities that came out.

Numbers 147

Numbers Banking Investing Investments 147

Mr. Money Mustache

FEBRUARY 25, 2025

Its just basic math. Theres one common theme in the big tech company boom right now: recent advances in AI have surprised the business world as software is suddenly able to display human-like reasoning in a rapidly growing number of fields. What if the Earnings are Rising? 4.3% – 5.3% bonds: 4.3% – 5.3% Wow look at that.

Marketing 66

Marketing Marketing Sales Portfolio 66

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.

Assets 173

Assets Management Portfolio Marketing 173

Clever Girl Finance

JANUARY 29, 2023

Any medical debt, personal loans, or back taxes are also considered liabilities. Staying away from debt is also encouraged so you can keep your net worth number positive. Many things can make your net worth higher, but keeping low liabilities (debt) and growing your assets will determine your net worth number.

Budgeting 119

Budgeting Retirement Assets Education 119

Clever Girl Finance

JULY 13, 2024

The numbers in the 60/30/10 each represent a percentage of your financial plan. 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. It includes the money you earn after you account for taxes.

Budgeting 98

Budgeting Transportation Retirement Food 98

Clever Girl Finance

OCTOBER 17, 2023

When it comes to your financial health, your income is one of the most important numbers in the equation. 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?

Taxes 52

Taxes Numbers Math Budgeting 52

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. Numbers vary but we all know the numbers in aggregate are too low to provide sustainable retirements. So that's quite a bit to chew on even if it isn't a new idea. Is he right? Is he wrong? That makes for a great topic to explore.

Retirement 66

Retirement Math Management Taxes 66

Walkner Condon Financial Advisors

JUNE 2, 2023

CFP Board certificant data makes one thing clear: “the issue of the low number of women CFP® professionals is primarily a problem of attraction, and not one of retention. The first being an increase in the number of women actually filling those professional roles, which I previously discussed.

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

The Irrelevant Investor

SEPTEMBER 19, 2020

We basically partnered with them and were fully transparent with the numbers. Once they earn their first taxable income you impose a “Dad Tax” and extract a small amount, and then demonstrate your love by funding it to the maximum allowable with “Dad Dollars”. Teaching your kids about compound interest Open a Roth IRA for your kids.

Retirement 52

Retirement Math Education Planning 52

Zajac Group

AUGUST 11, 2022

However, a down stock price might mean that you could score some tax breaks if you exercise and hold some of those ISOs. When the price is down, the move might help minimize alternative minimum tax (AMT). Controlling additional shares bought outright, coupled with a disqualified ISO sale, may result in a higher after-tax value.

Taxes 52

Taxes Sales Numbers Investing 52

Good Financial Cents

SEPTEMBER 29, 2022

However, by doing a little math, you can easily determine your hourly wage from your annual salary. Calculate the number of hours you work in a year: 40 Hours per week X 52 weeks = 2080 Hours per year. represents your gross hourly rate before taxes or other deductions. How Much Is $55000 a Year After Taxes? Biweekly Pay.

Budgeting 64

Budgeting Taxes Transportation Insurance 64

The Big Picture

SEPTEMBER 12, 2022

I wasn’t that typical person that did a number of, you know, internships during the summer, had that …. I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. there’s a big focus on how do we optimize for tax efficiency, too.

Clients 299

Clients Wealth Management Banking Investing 299

Random Roger's Retirement Planning

NOVEMBER 21, 2023

The way my new firm is set up, I could outsource everything, for a fee, and the way this was positioned, I think there might be a decent number of advisors who do just that. So using simple math, the total return is 34% versus 72% for the common. They talked about how outsourcing model construction can save advisors a lot of time.

Portfolio 75

Portfolio Asset Allocation Math Management 75

Clever Girl Finance

DECEMBER 16, 2023

Figure out how much money you make in after-tax income. More accurately, 70% of your take-home pay, or net income after taxes, not pre-tax income. Once you know your weekly or monthly income, you can do the simple math of calculating how much 70% would be. 401(k)s offer the opportunity to save for retirement before taxes.

Budgeting 96

Budgeting Retirement Accounting Taxes 96

The Big Picture

JANUARY 16, 2024

She has had a number of different positions within PIM, including managing their flagship core real estate fund. She has lived and invested through not just the great financial crisis, but the SNL crisis and a number of other fascinating experiences in real estate. But in those days, there were very tax driven investment.

Assets 264

Assets Investing Investments Management 264

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. New York is number one. Two reasons.

Assets 147

Assets Management Investing Investments 147

Good Financial Cents

AUGUST 10, 2023

Suddenly, you find yourself entering a world where numbers come alive, swirling and dancing to the beat of hourly wages and annual salaries. Paid Time Off for Hourly Employees Earning $35 per Hour How Much Is $35 An Hour After Taxes? It doesn’t include deductions like taxes, insurance, 401K contributions, etc.

Budgeting 52

Budgeting Taxes Numbers Management 52

Random Roger's Retirement Planning

DECEMBER 1, 2023

Part of the math that determines options premiums is the risk free rate of return from T-bills. If it can generate that sort of total return which is yet to be proven, and if, I say if, it delivers that sort of number with less volatility than the broad market then its attractiveness improves.

Math 74

Math Retirement Numbers Portfolio 74

Random Roger's Retirement Planning

DECEMBER 15, 2024

If at 35 or 40 some sort of financial calculator told you your "number" is $1,300,000 at age 65 and at 55 you have $275,000, there's a low probability of hitting your number. If you have $900,000 with ten years to go, odds are pretty good of hitting that number. Still though, the odds of any reductions are incredibly remote.

Retirement 52

Retirement Retirement Planning Numbers Planning 52