Investing Caffeine

MAY 1, 2025

Dot-Com Bubble: The Hottest Market Ever (2000) In March 2000, at the peak of the tech bubble, Money magazine ran a cover story: How to Invest in the Hottest Market Ever. Are you near retirement? Dont jeopardize your retirement goals – de-risk accordingly. Weeks later, the bubble burst. Suboptimal timing once again.

Media 52

Media Economy Investing Investments 52

Random Roger's Retirement Planning

JUNE 18, 2025

If you're 85 and very fit but out of money, whether you outperformed from 1990 to 2000 means nothing. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Portfolio 52

Portfolio Clients Retail Taxes 52

The Big Picture

JANUARY 21, 2025

You, you wrote at the journal through the.com implosion as well as the whole runup to 2000 September 11th, the great financial Crisis. I did it in 2000, 2002. I realized I had enough to retire if I wanted to. But learning how to spend in retirement. What era of finance did you find the most intriguing as a journalist?

Investing 144

Investing Investments Retirement Management 144

Random Roger's Retirement Planning

DECEMBER 23, 2024

10,000 invested on November 30, 2000 would have grown to $50,820 according to testfol.io. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Going back 24 years, VBAIX compounded at 6.99%.

Sales 52

Sales Asset Allocation Portfolio Assets 52

The Big Picture

APRIL 7, 2025

Most corporate executives thought we would be getting tax cuts, deregulation, and a business-friendly environment. Liberation Day is now threatening to liberate Americans from robust real wage growth, low unemployment, and a good chunk of their retirement savings. Instead, we have gotten April 2nd Liberation Day tariff announcements.

Taxes 328

Taxes Communication Media Retirement 328

The Big Picture

APRIL 8, 2025

Barry Ritholtz : Well, that was sweet of them to do it that way… You know, I have a vivid recollection from the people I, we, we were talking about Josh Frankel and Dave Rosenberg, and I know a lot of Rich Bernstein, all these people I know from the 2000 Era Merrill Lynch. You guys offer the full suite of services. I can work with that.

Asset Allocation 144

Asset Allocation Wealth Management Clients Assets 144

Random Roger's Retirement Planning

FEBRUARY 28, 2025

If you have a taxable portfolio of at least $1 million where selling or rebalancing would hit very hard tax-wise, you can exchange your portfolio for shares in a 351 ETF. Most of us of course lived through that from 2000 through to 2009. 351's are kind of like 1031 exchanges in real estate.

Portfolio 52

Portfolio Asset Allocation Taxes Assets 52

Random Roger's Retirement Planning

DECEMBER 2, 2024

If you put 3% into Ariba Networks into a diversified portfolio in 2000 or bought a house you could comfortably afford in 2007 then you had a setback but weren't blown up. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Taxes 52

Taxes Portfolio Investing Investments 52

The Big Picture

MARCH 17, 2025

You sit in a room all day doing tax returns or something, it’s just not, you know, that it seemed antisocial. A massive buildup in military, you know, couple of huge tax cuts deficits were increasing, the debt was increasing very rapidly. A third was a temporary tax cut. And I thought, what do you do? I do $200 billion.

Economy 144

Economy Taxes Budgeting Government 144

The Big Picture

JUNE 16, 2025

And if you just continued to dollar cost average for those 16 years, or from 2000 to 2013, when the market finally got over all its previous highs, that’s when you start to make a ton of money. So even in retirement, I should have plenty of stocks. The challenge is, what happens if you’re retiring in 25, 26, 27, right.

Math 130

Math Numbers Investing Investments 130

Random Roger's Retirement Planning

JULY 11, 2025

Sidebar, if you were in markets in the late 90's into the early 2000's, that last line might remind you of Alberto Vilar saying that Yahoo was going to be the next Yahoo. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Valuation 45

Valuation Clients Taxes Marketing 45

Random Roger's Retirement Planning

NOVEMBER 12, 2024

PKW has been about 2000 basis points better than SYLD. In the context of retirement or a lifetime of spending, $104,000 is a drop in the ocean. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Numbers 59

Numbers Assets Marketing Marketing 59

Random Roger's Retirement Planning

JUNE 9, 2025

From March, 2000-March, 2003 the S&P 500 negatively compounded at 13.95%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Knowing what to avoid can be more important than knowing what to include.

Portfolio 59

Portfolio Distribution Management Taxes 59

The Big Picture

JUNE 15, 2025

More than 35,000 people have descended on Las Vegas in the final week of May for the conference: bitcoin miners, bitcoin dealers, several retired athletes, three U.S. Arguably the most famous and recognizable Roman battle sequence in film: the iconic opening battle from Gladiator (2000).1 senators, two Trump children, one U.S.

License 175

License Media Retirement Retail 175

Random Roger's Retirement Planning

JANUARY 1, 2025

The second backtest also cuts out the lost decade of the 2000's. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Actually, the lost decade up until the end of 2007 was pretty good for this concept using 25% into ULPIX instead of SSO.

Retirement 52

Retirement Portfolio Clients Assets 52

Trade Brains

JULY 9, 2025

Utilities & Home Services Average monthly charges for a 2 BHK would include electricity, water, gas, internet, mobile, and DTH, where each one of them would be as follows- Electricity, water, gas: ₹3000–₹5000 Internet & mobile: ₹1000–₹2000 DTH/streaming/subscriptions: ₹700–₹1.5000 Sum: ₹6,000– ₹8,500/month 3.

Transportation 59

Transportation Healthcare Budgeting Food 59

Random Roger's Retirement Planning

JULY 13, 2025

We'll start with a couple of different links on the same topic of having enough money or better put, figuring out how much you need to have for whatever your idea of a successful retirement is. If this couple planned it out well, maybe their $2000/mo mortgage gets paid off right as they are retiring.

Retirement 59

Retirement Math Numbers Taxes 59

Random Roger's Retirement Planning

JUNE 8, 2025

But if it is true, it would explain our only fair income growth and the implication that our retirement account balances are lower on age and inflation adjusted bases. Citing Joe Moglia, no one will care more about our retirements than us. don't know about that.

Wealth Accumulation 45

Wealth Accumulation Retirement Accounting Taxes 45

Random Roger's Retirement Planning

AUGUST 18, 2022

At 50 though, you do need to have some context for how viable your idea of retirement is. My reasoning is as it has always been, my income is levered to the ups and downs of the stock market, I don't ever want to retire, we have been living below our means for ages and now all the more so having just paid off our mortgage.

Retirement Planning 92

Retirement Planning Retirement Planning Asset Allocation 92

Random Roger's Retirement Planning

JULY 20, 2023

Marketwatch posted an advice type of column where a reader asked about his retirement readiness as he just got laid off and now would like to be done with working. They have a combined $350,000 in qualified retirement accounts and $200,000 in taxable accounts. So are they really spending $25,680 ex-property tax?

Retirement 75

Retirement Budgeting Taxes Accounting 75

Random Roger's Retirement Planning

JANUARY 27, 2023

Lending Tree posted a study showing how much people need saved to retire in/near 384 cities in the US. The averages you see from various reports are typically more akin to emergency funds than retirement funds. One note about their process is the effective tax rate for the Prescott Valley numbers would be well under 22%.

Retirement 75

Retirement Numbers Taxes Portfolio 75

Good Financial Cents

APRIL 1, 2023

It’s one of the best strategies to supercharge your retirement savings, especially for early retirement. That will give you a combined contribution of $13,000, which will also be fully tax-deductible. There's no time like the present to begin preparing for your retirement. Ads by Money.

Planning 95

Planning Distribution Taxes Retirement Planning 95

Cordant Wealth Partners

SEPTEMBER 8, 2022

As you would expect from an outstanding organization like Microsoft, it offers a very robust 401(k) to help employees save for retirement. Lower Taxes : Reduce taxes today via pre-tax contributions that reduce your taxable income. The traditional 401(k) option offers the ability to make pre-tax contributions to the plan.

Retirement Planning 52

Retirement Planning Retirement Planning Taxes 52

Mr. Money Mustache

APRIL 27, 2023

The total net cost of this thing to me after all the taxes and tax credits* will be about $52,000, which is just a stunning amount higher than the Honda van it is replacing. After all, it was this overall life philosophy that earned me an early retirement 18 years ago, which provides all of the glorious freedom I enjoy now.

Accounting 125

Accounting Budgeting Retirement Taxes 125

Tucker Advisors

APRIL 4, 2023

Forty years ago, the federal government lengthened Social Security’s full retirement age (FRA) from 65 to 67, and increased the delayed retirement credit. Since 1980 through 2014, workers with retirement plans that included a pension fell from 39% to 13%, a 200% decline. Is it the change we want?

Retirement 75

Retirement Accounting Budgeting Planning 75

Good Financial Cents

JANUARY 6, 2023

To help you figure out what to do, here are 17 of the best strategies for investing $2000 to $3000. Best Ways to Invest $2000 to $3000: Final Thoughts. If you have $2,000 to $3,000 to invest and want to use that money for retirement, you may want to consider opening a Roth IRA. High-Yield Savings Account. Hire a Robo-Advisor.

Investing 91

Investing Investments Accounting Certification 91

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

WiserAdvisor

JUNE 13, 2023

Retirement planning focuses on the steps you need to take to achieve your desired retired life, such as saving and investing wisely, creating a budget, and considering your healthcare needs. However, it is also essential to be aware of the potential pitfalls and things to avoid during the retirement planning process.

Retirement 40

Retirement Retirement Planning Healthcare Financial Advisor 40

Random Roger's Retirement Planning

NOVEMBER 15, 2023

Contributions can be deducted from your income and you can take money out without tax or penalty for qualified medical expenses. With the HSA contribution we save $2000 in taxes. We also save about $1000 in taxes for writing off a larger insurance expense, so factoring those in, it is now $1900 more expensive.

Insurance 81

Insurance Medical Taxes Accounting 81

The Irrelevant Investor

APRIL 22, 2020

On today’s show we discuss People aren't doing much tinkering in their retirement accounts Airlines have declared bankruptcy 66 times since 2000 Cullen Roche on the COVID-19 Aid package Stock picker's market Are Buffett and Munger slowing down? Will this recession destroy private equity?

Retirement 52

Retirement Economy Accounting Taxes 52

Random Roger's Retirement Planning

MAY 6, 2024

In 2000, BPLSX outperformed by 69%, in 2001 it outperformed by 37%, 22% in 2002 and 46% in 2009. The other day, an email came in pitching a tax lien fund. I'd take in information about any of these, including ones that are less interesting on their face, like tax liens and art.

Assets 98

Assets Portfolio Taxes Numbers 98

Mr. Money Mustache

OCTOBER 23, 2020

I was “The Man Who Retired at 30”, and it was so unusual that it would show up in news headlines all over the place. My story was a nine-year working career, and retirement at 30. This happens to be my personal definition of “retirement” , because the old definition of ceasing to work is obsolete.

Retirement 52

Retirement Taxes Investing Investments 52

The Big Picture

FEBRUARY 21, 2023

If you think about what Vanguard is all about, we sit there each and every day, figuring out how do we help people retire better, put their kids through college, afford that dream home? We were losing market share in the critical retirement, the 401(k) business. And everyone was talking about that ’99, 2000.

Clients 274

Clients Retirement Investing Investments 274

Random Roger's Retirement Planning

APRIL 17, 2024

That period ending in May 2000 was relatively bad for PRPFX. I'd argue it all worked out in the end but imagine how you might handle being that far behind in early 2000. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Portfolio 102

Portfolio Asset Allocation Advertising Numbers 102

Fortune Financial

JULY 12, 2023

While retirement should ideally be a time of relaxation and enjoyment, the financial implications of increasing expenses pose significant challenges for those in their golden years. Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4%

Healthcare 52

Healthcare Retirement Budgeting Retirement Planning 52

Fortune Financial

JULY 12, 2023

While retirement should ideally be a time of relaxation and enjoyment, the financial implications of increasing expenses pose significant challenges for those in their golden years. Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4%

Healthcare 52

Healthcare Retirement Budgeting Retirement Planning 52

Random Roger's Retirement Planning

OCTOBER 27, 2024

This has to do with taxes and RMDs but it is very generic. Let's say this person is 61, just retired, prefers to delay starting Social Security until age 70 and will take RMDs at 73 but could take IRA withdrawals earlier if the taxable account depletes. Frequently, they never get to the Roth and that can be part of the estate.

Portfolio 52

Portfolio Accounting Retirement Retirement Planning 52