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...
You Can Outlive Your Money Key take-aways: Planning the first few years of retirement might be easy. What will the last five years (or ten years) look like? You CAN outlive your money - the risk is real. Today, retirees may live into their 90s or even 100, increasing...
Avoid This Costly Retirement Account Mistake Key Take-aways from Avoid This Costly Retirement Account Mistake: Pre-tax savings help more when in higher tax brackets. Withdrawing early can cost dearly in penalties and taxes. Try to avoid this costly retirement account...
Trump Savings Account Key take-aways: No tax deduction for contributions Cash only (no appreciated stock deposits) Contributions: before age 18: only parents, guardians, or employers can contribute (up to $5,000/year) Contributions: after 18 ? only the account owner...
Trump Accounts Are Coming. Now What? Key take-aways: Ownership Structure: Trump Accounts are owned by the child, similar to a 529 college savings plan, emphasizing that they are primarily for retirement, not for college or home purchases. Account Features: These...
