Abnormal Returns

JUNE 19, 2024

apexmoney.com) Retirement Lessons from a 'faux retirement' including 'Balance is hard!' morningstar.com) On the math of early Social Security claiming. (podcasts.apple.com) The C Word What matters when your mortality stares you in the face. humbledollar.com) An appreciation of Jonathan Clements' work. Why you need a plan.

Math 259

Math Retirement Taxes Insurance 259

Abnormal Returns

APRIL 1, 2024

wiredplanning.com) Retirement Spending guardrails are important in retirement, but the details matter. thinkadvisor.com) Not everyone is happier in retirement. thinkadvisor.com) Moving states in retirement requires some careful planning. thinkadvisor.com) Solo 401(k) contribution math can be tricky.

Wealth Management 258

Wealth Management Math Retirement Retirement Planning 258

Abnormal Returns

FEBRUARY 25, 2024

humbledollar.com) Why planning in retirement is so challenging. humbledollar.com) Doing the math on a hybrid vs. conventional ICE. (downtownjoshbrown.com) What's driving stock market returns? awealthofcommonsense.com) 11 financial mistakes to avoid including 'Not carrying umbrella coverage.'

Math 283

Math Wealth Management Retirement Planning 283

Abnormal Returns

APRIL 24, 2024

whitecoatinvestor.com) Retirement Retirement is filled with all sort of irreversible decisions. nytimes.com) How time feels more precious in retirement. advisorpedia.com) Retirement accounts Just because you can contribute to an IRA doesn't mean you should. humbledollar.com) Don't be ashamed to take senior discounts.

Insurance 263

Insurance Math Retirement Education 263

Abnormal Returns

OCTOBER 18, 2023

open.spotify.com) Retirement Nine things to consider in retirement. tonyisola.com) Retirement is, in part, about saying no to obligations you don't like. marketwatch.com) The retirement savings system is still way too complex. humbledollar.com) How to find abandoned retirement accounts.

Insurance 264

Insurance Math Retirement Taxes 264

Abnormal Returns

APRIL 3, 2024

podcasts.apple.com) Dan Haylett talks with financial advisor Ed Combs about the relationship challenges in retirement. awealthofcommonsense.com) On the math of a 0% line of credit. (ritholtz.com) Jesse Cramer talks with Peter Lazaroff about how to hang in there for the long run. realsmartica.com) Better investors make fewer decisions.

Math 262

Math Financial Advisor Retirement Taxes 262

Integrity Financial Planning

JULY 6, 2022

When taking out your retirement income, it’s important to consider the source. New statements may make it easier to see what you have, but what should you focus on when making a retirement income plan? Having an income plan is key for your retirement planning. Look at the math to understand and believe it.

Retirement 95

Retirement Retirement Planning Math Financial Planning 95

Abnormal Returns

MAY 10, 2023

financialducksinarow.com) Retirement The math behind savings rates and retiring early. ofdollarsanddata.com) Make sure you know what you are retiring to. (techcrunch.com) Medicare Nothing about Medicare is simple. humbledollar.com) The ABCs of Medigap policies. tawcan.com) Behavior Can money buy happiness?

Math 246

Math Estate Planning Retirement Banking 246

Abnormal Returns

JUNE 7, 2023

awealthofcommonsense.com) Home buying math is bad right now, but will it be any better a year from now? bloomberg.com) Personal finance Things to do before pulling the plug on your job and retiring. finance.yahoo.com) The case for semi-retirement. humbledollar.com) Financial planning means always adjusting your plan.

Math 245

Math Retirement Food Financial Planning 245

Abnormal Returns

SEPTEMBER 18, 2023

wiredplanning.com) Christine Benz and Jeff Ptak talk retirement income with Kelli Hueler, CEO and founder of Hueler Companies. riaintel.com) How to think about the math of entering a continuing care retirement community or CCRC. morningstar.com) The biz Charles Schwab ($SCHW) is proclaiming the TDA integration a success.

Planning 264

Planning Financial Advice Wealth Management Math 264

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Yahoo Finance had kind of a long read recapping an update from Morningstar about safe retirement withdrawal rates. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Retirement 75

Retirement Accounting Math Healthcare 75

Random Roger's Retirement Planning

DECEMBER 17, 2023

change at retirement. Hopefully a mortgage is paid off, hopefully there are no car payments to make and health insurance at 65, if retired, should go down quite a bit on Medicare, especially if income goes way down. Once someone is retired, saving for retirement is one less expense too.

Retirement 75

Retirement Math Insurance Taxes 75

Abnormal Returns

NOVEMBER 23, 2022

peterlazaroff.com) Retirement 'Work longer' as retirement advice doesn't work for everyone. marketwatch.com) Doing the math on an annuity in retirement. (monevator.com) You can't invest if you don't save. awealthofcommonsense.com) Why active management fails.

Math 147

Math Retirement Investments Investing 147

Abnormal Returns

MAY 14, 2023

wealthmanagement.com) The math behind savings rates and retiring early. (humbledollar.com) Some lessons from the 2023 Berkshire Hathaway ($BRK.A) annual meeting. novelinvestor.com) The banking crisis isn't over. aswathdamodaran.blogspot.com) Inside Vanguard's bond indexing money machine.

Math 162

Math Portfolio Retirement Banking 162

Carson Wealth

MARCH 2, 2023

Tom Fridrich, JD, CLU, ChFC ® , Senior Wealth Planner We’ve all asked ourselves whether it’s too early to retire (usually after a particularly challenging commute or dealing with a difficult client). But even if you feel confident today, would it be reasonable to retire early? How Early Is Early?

Retirement 98

Retirement Taxes Accounting Financial Advisor 98

Darrow Wealth Management

OCTOBER 1, 2022

Is retiring with a mortgage a good idea? Retiring with a mortgage doesn’t typically pose a financial risk, and at times it’s the best financial decision. But paying off a mortgage before retirement has upsides also. Here’s when it may – and may not – make sense to pay off a mortgage before retiring.

Retirement 82

Retirement Taxes Math CFP 82

Nerd's Eye View

JUNE 21, 2024

million in assets to both retire and pass on a legacy interest (though many have yet to establish an estate plan), according to a recent survey. Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that affluent Americans believe they need an average of $5.5

Financial Planner 223

Financial Planner Financial Advisor Taxes Math 223

The Irrelevant Investor

SEPTEMBER 19, 2020

Yesterday Ben and I did a show on retirement. While the math of the former is easy, and the implementation of the latter takes a stick, even my two smart ass millennial offspring will now admit it created a solid foundation. We should have a sense of urgency about retirement because it's coming, and there are no do overs.

Retirement 52

Retirement Math Education Planning 52

The Big Picture

NOVEMBER 27, 2023

When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.

Marketing 304

Marketing Marketing Math Retirement Planning 304

Mullooly Asset Management

JULY 28, 2022

” In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions. In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions.

Distribution 52

Distribution Accounting Math Retirement 52

Getting Your Financial Ducks In A Row

OCTOBER 31, 2022

It has further been estimated that as we approach retirement, this ratio increases to a factor of five times more pain for a loss as opposed to the joy we experience for a gain. There’s no shame in admitting that factor – for a lot of us, math can be very tough.

Math 113

Math Investments Investing Retirement 113

Random Roger's Retirement Planning

JUNE 30, 2024

The latest retirement disaster article from Yahoo focuses on 55 year olds who have a "median savings of less than $50,000." Yahoo says it's "bleak" because this cohort is "only about a decade from retiring." A harsh reality is that $50,000 is not a retirement fund but it is a pretty robust emergency fund.

Retirement 75

Retirement Math Taxes Accounting 75

The Big Picture

MARCH 23, 2024

link] • Large language models, explained with a minimum of math and jargon : Want to really understand how large language models work? Now, in his most wide-ranging interview since his retirement, Federer reflects on his old rivals, his new passions, and the fresh sense of urgency that drives him: “I feel minutes matter more now than before.”

Math 189

Math Commission Insurance Government 189

The Big Picture

JULY 24, 2024

Morgan Housel Finance types tend to focus on attributes like intelligence, math skills and computer programming. You can know everything about math and data and markets, but if you don’t control your sense of greed and fear and you’re managing uncertainty in your behavior, none of it matters. None of it matters.

Math 205

Math Retirement Investments Investing 205

Random Roger's Retirement Planning

JUNE 10, 2024

We've talked just a couple of times about the market becoming increasingly concentrated which just in terms of math means that a diversified strategy will lag for as long as the big names do well. I looked at the Vanguard Target Retirement 2025 (VTTVX) and the Vanguard Target Retirement 2030 (VTHRX).

Retirement 98

Retirement Asset Allocation Math Marketing 98

Sara Grillo

JUNE 24, 2024

The math behind Universal Life Insurance Interest Rates is a twisted web and most consumers are deceived. Know how the math works so you can see the potential risks that may exist with your policy. Request an additional report paying only until age 70, since in retirement you are on a fixed budget and do not want outgoing payments.

Insurance 59

Insurance Math Financial Advice Compliance 59

Integrity Financial Planning

JANUARY 23, 2023

For most, Social Security provides a solid foundation for retirement income. As you grow older and retirement looms on the horizon, the decisions you make start to have a more crucial impact on the amount of money you receive, so it’s important that you know what to expect.

Retirement 89

Retirement Math Retirement Planning Planning 89

Integrity Financial Planning

FEBRUARY 3, 2023

Next, let’s face it, not all of us are exceptional when it comes to math. Taxpayers should always confirm that their math is correct, as this is one of the most common mistakes made when filing. [1] 5] Avoid Early Retirement Account Withdrawals if You Can! 6] Double-Check!

Taxes 82

Taxes Math Accounting Medical 82

The Irrelevant Investor

SEPTEMBER 24, 2020

Ben and I spoke about this concept on a podcast we did about retirement. I understand all the reasons why it's hard to save money, but in this post I only want to look at the math. The post How Much Money Should You Have Saved For Retirement? If this makes you feel bad about yourself, you're not alone. 3x your income by 40?

Retirement 52

Retirement Numbers Math 52

Random Roger's Retirement Planning

JUNE 3, 2024

I haven't seen too many scenarios where Roth conversions were optimal as most people don't earn more after they retire. Do the math on your particulars like what your various sources of earned income will likely be, how much your RMDs will likely be and so on. How much are you likely to end up with in your retirement accounts?

Numbers 98

Numbers Taxes Retirement Accounting 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. But is a million dollars even enough for your retirement needs? Just think of the numbers.

Retirement 98

Retirement Taxes Planning Math 98

Random Roger's Retirement Planning

MAY 18, 2023

Bloomberg did a survey and found that Generation-X does not feel like it will be "financially prepared for retirement." Anyone closer to the younger edge of Gen-X could probably benefit by cutting expenses now, the impact of that could compound over the next 20+ years as they approach a normal retirement age.

Retirement 75

Retirement Wealth Advisor Math Medical 75

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 105

Math Education Management Taxes 105

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. The only pension I am remotely close to is the Arizona Public Safety Personnel Retirement System. The concept of pensions is that they provide a security net to retired workers. Is he right? Is he wrong?

Retirement 66

Retirement Math Management Taxes 66

The Big Picture

AUGUST 29, 2023

My Two-for-Tuesday morning train WFH reads: • Stock Pickers Never Had a Chance Against Hard Math of the Market : In years like this one, when just a few big companies outperform, it’s hard to assemble a winning portfolio. If you’re depending on income to fund your retirement, 5% rates are a blessing.

Insurance 130

Insurance Math Economics Economy 130

Sara Grillo

MAY 3, 2024

“ Let’s say you are doing a podcast about NJ Retirement and it isn’t creating any meaning response – no growth in subscribers, no leads, nobody in your NJ following mentions they are listening, etc. Is the topic of NJ Retirement well-suited for the audience? There is a science and math to it.

Marketing 52

Marketing Marketing Wealth Management Financial Advisor 52

Random Roger's Retirement Planning

SEPTEMBER 6, 2024

Barron's dusted off the retirement bucket playbook in an article while also arguing that a 5% withdrawal rate in retirement can now be considered safe versus the more common 4%. The way the math works out, 4% has a success rate in the low 90's based on simulations and has never failed looking backward. Always read the comments.

Retirement 45

Retirement Math Portfolio Investments 45