Mortgage Math: Why You Pay So Much in Interest Up Front Mortgage Math: Why You Pay So Much Interest Up Front. Why does mortgage math feel so expensive? Why does it take so long to build equity? In this video, we break down mortgage math, amortization, and the real...
$1 Trillion in Credit Card Debt. Is the US Consumer OK? Is the US Consumer OK? Five key points: 1. Large-bank consumer credit card balances are approaching $1 trillion, but delinquency rates remain within long-term historical ranges. 2. Minimum-payment behavior has...
Transfer 529 to Roth IRA? Is this even possible? This is so new, it took over a year for the IRS to translate what this means. While the ink is not even dry (always subject to IRS changes), this could be a useful tool - for some! Key points: Up to $35,000 can be...
Invert - Always Invert! Key points: Invert your thinking: Look backward to identify risks and potential problems in your financial plan. Case study exposes gaps: High earners may lack essentials like life insurance, disability coverage, emergency funds. Avoid big...
2 Rules About Emergency Funds Are you trying to "maximize" your emergency funds? Why? In this video, we explain why a high-yield savings account is still one of the best places to keep your emergency savings — even as interest rates fluctuate in 2025. Short-term...
The Representative Payee and Social Security Why Social Security Won’t Accept Your Power of Attorney Key take-aways: Use the SSA-4547 form to designate a Representative Payee for Social Security benefits. The Social Security Administration does not recognize...
The Illiquid Millionaire: Retirement Reality in New Jersey How Can You Be Rich - But Still Broke In 2025? Takeaways: 1. Significant appreciation in New Jersey property values has created the illiquid millionaire. It's not very easy to turn into cash. 2. Likewise, 401k...
Is the S&P 500 in a bubble? Key Takeaways: The very same top 8 mega-cap tech stocks dominate both NASDAQ 100 and S&P 500 Market concentration is high - but not unprecedented, or necessarily a bubble Sector leadership shifts over time: industrials, energy,...
Optimal Social Security Claiming Strategy Key takeaways from the video: 1. An optimal Social Security Claiming Strategy depends on balancing breakeven analysis, longevity risk, and lifestyle goals. 2. Claiming Social Security at 62 vs 70 has major implications for...
Timing the Market, or time IN the markets? Key Takeaways from Timing the Market: 1. Missing just one day off the bottom can reduce returns by nearly 10% 2. Sharp market recoveries are more common than most investors think 3. Active managers often tend to underperform...
