Debt can be a complex and emotional topic. That is true even for mortgages and other “good debt” (a term sometimes used for money owed on an asset that is likely to increase in value). For many Americans, the mortgage…Read More
If you bet against the Golden State Warriors basketball team, and you watched their star, Steph Curry, make a game winning shot, it may have felt like you were losing money from the time the ball left his hand until…Read More
Do you have restricted stock units (RSUs) that have recently vested? If you work in the tech or financial sectors in 2022, that probably means that you have seen a decline in their value (energy sector folks have this in…Read More
Although the Health Savings Account (HSA) was created as part of the Medicare Modernization Act in 2003, we field questions almost daily from clients who don’t understand what an HSA account is or how to efficiently use it. During open…Read More
Tax considerations are a key part of a successful financial plan, and that’s true of minors as well as adults. A previous blog post explored Roth IRAs as investments to position young workers for future tax savings. However, a child’s…Read More
Dave Ramsey has been telling America for years on his financial radio show to keep an emergency fund that covers at least a few months of expenses. Thank you, Dave! You saved a lot of people from financial ruin with…Read More
How your teenager (or even younger child) can benefit from a Roth IRA You have a high-achieving teenager who balances high school studies, chores and extracurricular activities with part-time work. Or maybe your college student took a job to help…Read More
Concerned about inflation, perhaps for the first time in your lifetime? For many families we work with, it’s been decades since even the adults have seen inflation rising this quickly. But, the U.S. government has a nifty, old-school instrument available…Read More
I’ve heard financial markets described as “expectations machines”, and I think that’s about right. Asset prices are based on what people are willing to pay for them, which is based on what they expect to receive in return. Prices go…Read More
The Biden administration has announced it is extending the pause on federal student loan payments until May 1, 2022. If you have federal student loans, how can you take advantage of this relief measure? Add to your emergency fund. It is essential…Read More
