Random Roger's Retirement Planning

OCTOBER 26, 2024

That number is from a Bankrate article I found on a Google search. First, is the math right based on my numbers? That roughly two million Bitcoin is actually more than 10% because approximately 3.8 million Bitcoin are lost forever due to lost hardware or passwords. How much Bitcoin, if any, do you own.

Math 52

Math Portfolio Numbers Taxes 52

The Big Picture

MAY 7, 2025

And so I realized I was going to have to invest and save for my own retirement. I couldnt figure out where it came from; so I worked out the canonical math. I mean, there was a, I saw a wonderful article in the journal a couple of weeks ago. (I I think it’s the same article you’re talking about. I saw that.

Asset Allocation 143

Asset Allocation Medical Assets Management 143

Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. You may agree with Jack about not needing those things, that's valid, my point is that owning an index fund isn't a proxy for them.

Math 75

Math Portfolio Marketing Marketing 75

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

Mr. Money Mustache

FEBRUARY 25, 2025

The value of the S&P 500 index of stocks, where most of us hopefully have a good chunk of our retirement savings stashed into index funds, is up about fifty seven percent in just the past two years. Does this make it more vulnerable to a huge crash in the future, and will it affect my retirement? Its just basic math.

Marketing 66

Marketing Marketing Sales Portfolio 66

Random Roger's Retirement Planning

DECEMBER 3, 2024

There was an article on LinkedIn (via Abnormal Returns) by Victor Haghani that dug into the math working against leveraged ETFs. Eric Balchunas from Bloomberg was baffled because the 1x version only has $60 million in AUM and trades about $1 million per day.

Math 52

Math Portfolio Retail Clients 52

Clever Girl Finance

JANUARY 29, 2023

This is very important for retirement, and knowing what your target net worth by age should be will help you better understand how to reach your personal financial goals. If you are curious about how much savings you should have by what age , you'll find references to this throughout the article. Your liabilities are your debts.

Budgeting 119

Budgeting Retirement Assets Education 119

Harness Wealth

APRIL 30, 2025

This article will explore how to navigate complex tax situations arising from multiple income sources, examining various income types, reporting requirements, self-employment obligations, and strategic approaches to record-keeping and tax planning that can help protect your financial interests. This article is a product of Harness Tax LLC.

Taxes 52

Taxes Tax Planning Compliance Planning 52

Harness Wealth

APRIL 30, 2025

In this article, well examine the nature of IRS audits, the common audit red flags that result in IRS scrutiny, and how professional tax advisors can help reduce the risk of you being audited. Taking early withdrawals from retirement accounts Withdrawals before age 59 are scrutinized due to the potential complexity of penalty exceptions.

Compliance 52

Compliance Taxes Accounting Consulting 52

Random Roger's Retirement Planning

APRIL 22, 2024

Jason Zweig wrote an article titled How Not to Invest in the Bond Market. The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. The title of course piqued my interest. This quote from Jason surprised me.

Marketing 98

Marketing Marketing Financial Advising Math 98

Random Roger's Retirement Planning

NOVEMBER 22, 2024

As I read the FT article, I had a thought about how to try to make the fund work as part of diversified portfolio, not the entire portfolio. The way Portfolios 1 and 2 are weighted, the math works for being a 60/40 portfolio and then from there we add portable alpha/capital efficiency/return stacking.

Portfolio 52

Portfolio Math Assets Clients 52

Random Roger's Retirement Planning

FEBRUARY 29, 2024

I am less interested int he fund than this excerpt from the beginning of the article. The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. Barron's had a quick profile on the Blackrock Flexible Income Fund (BINC) which is an active ETF managed by Rick Reider.

Marketing 95

Marketing Marketing Math Portfolio 95

Clever Girl Finance

JULY 13, 2024

More articles related to budgeting Save more money with the 60/30/10 budget! With this system, you will use 60% of your take-home pay to build your savings or even an early retirement account , invest, save up for a down payment, or repay debt. Another example is anyone interested in achieving FIRE; Financial Independence Retire Early.

Budgeting 98

Budgeting Transportation Retirement Food 98

Clever Girl Finance

APRIL 22, 2025

Demand is likely to continue as more and more people in the Boomer generation reach retirement. If you’re good with math, then turning to financial planning or accounting or opening up a similar company could be one of the best recession proof businesses to start!

Economy 68

Economy Food Healthcare Economics 68

Random Roger's Retirement Planning

DECEMBER 15, 2024

Bloomberg had an article titled As Gen-X Nears Retirement, Many Fear They Can't Afford It-Now or Ever. The article profiled a half dozen Gen-Xers ranging from 45-60. You're gonna want to retire some day and your 401k is how do it. Generally they all plan to work to 70 or beyond out of necessity. Probably not. Probably so.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

Random Roger's Retirement Planning

JULY 8, 2023

Barron's had a fun article that looked at some ideas from William Bernstein titled The Trick To A Bullet Proof Portfolio? I'm a sucker for this sort of article. That is difficult to pull off but if you do the math on that it shows long term outperformance. Invest For The Very Worst Of The Worst.

Asset Allocation 74

Asset Allocation Math Portfolio Assets 74

Clever Girl Finance

DECEMBER 16, 2023

Articles related to budgeting methods Give the 70-20-10 budget a try! Once you know your weekly or monthly income, you can do the simple math of calculating how much 70% would be. We all need an emergency fund, and to save more long-term (think: retirement). Time is one of the most powerful tools in retirement savings.

Budgeting 98

Budgeting Retirement Accounting Taxes 98

Trade Brains

DECEMBER 7, 2023

In this article, we guide you through the list of top personal finance courses designed for beginner to intermediate-level learners. By enrolling in this course you will learn to manage your finances more effectively by mastering budgeting and portfolio creating for a healthy retirement corpus. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. A commenter on a Yahoo article in italics and my reply if he'd have asked me in regular font. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal.

Math 74

Math Retirement Numbers Portfolio 74

Clever Girl Finance

SEPTEMBER 11, 2023

Articles related to the 50-30-20 budget Leverage the 50-30-20 budget today! And don’t worry if math isn’t your thing because we’ve included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. Beyond that, focus on your retirement savings. Is the 50-30-20 budget gross or net?

Budgeting 105

Budgeting Taxes Transportation Healthcare 105

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.

Retirement 45

Retirement Math Portfolio Investing 45

Yardley Wealth Management

OCTOBER 26, 2020

Social Security Retirement Planning . I had the opportunity to share my thoughts on Social Security with Tracey Longo at Financial Advisor Magazine for her article Advisors Concerned As Covid Speeds Projected Social Security Shortfall. You really do get the extra 8% per year after you’ve reached your full retirement age.

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Midstream Marketing

SEPTEMBER 24, 2019

They spend hours writing articles and finally hit that “Submit” button… only to not get anywhere near the number of leads that they thought they would. Other times, it’s because those articles were created without a real SEO strategy behind them. If, of course, they were even able to generate leads at all.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. Let’s do math again! Retirement/Savings $832.00 . $30 an Hour Is How Much a Year? Utilities $300.00 Groceries $300.00

Budgeting 73

Budgeting Taxes Numbers Retirement 73

Clever Girl Finance

OCTOBER 20, 2022

We've got you covered in this article. Retirement accounts. Figuring out how to calculate liquid net worth is as simple as doing a quick math equation: Liquid assets - liabilities = liquid net worth. Don't worry—there is an answer to the question, "What is my liquid net worth" that doesn't involve solving math equations.

Assets 59

Assets Accounting Math Portfolio 59

Clever Girl Finance

JUNE 5, 2023

Articles related to leaving a job Leverage these tips for leaving a job the right way! Make sure you have done the math. Or perhaps you want to work fewer hours to spend time with your family, or maybe your retirement savings is well-funded , and you find that a part-time job would be a better choice.

Planning 98

Planning Math Management Business Planning 98

Clever Girl Finance

JANUARY 29, 2023

The math for this adds up over years of work and can cost quite a bit of income. Needless to say, the ability of black women to achieve financial goals like homeownership and retirement is extremely difficult. The gender wage gap is much wider than average for people of color. The student debt crisis is part of that.

Budgeting 105

Budgeting Education Planning Government 105

Good Financial Cents

FEBRUARY 10, 2023

You may only earn about $50 per article when you start, but you can increase that to $200, $300, and more as you gain experience, depending on the subject. If you’re interested in freelance writing, check out Holly Johnson’s article on this site, How to Become a Freelance Writer (from 0 to $30,000+ per month).

Advertising 102

Advertising Media Food Management 102

Clever Girl Finance

AUGUST 2, 2022

Let’s look at one tried-and-true way of multiplying your assets: retirement accounts. How to turn 10K into 100K through investing in retirement accounts. Although it may not sound glamorous, retirement accounts are a solid means of increasing your money. IRAs or Roth IRAs. without penalties. Similar to the 401(k) is a 403(b).

Education 59

Education Retirement Investing Investments 59

Harness Wealth

MAY 13, 2025

This article aims to provide detailed insights into the various tax forms used in Idaho, who needs to file them, and how to approach the filing process efficiently. Common deductions include those for property taxes, education expenses, and retirement contributions. This article is a product of Harness Tax LLC.

Taxes 52

Taxes Electronics Compliance Commission 52

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. So I applied to Maryland State retirement.

Assets 143

Assets Management Portfolio Investing 143

Harness Wealth

MAY 17, 2025

This article aims to provide detailed insights into the various tax forms used in Delaware, who needs to file them, and how to approach the filing process efficiently. Common deductions include those for retirement income, medical expenses, and charitable contributions. This article is a product of Harness Tax LLC.

Taxes 52

Taxes Tax Planning Electronics Compliance 52

Harness Wealth

MAY 18, 2025

Common deductions include those for retirement income, medical expenses, and certain business expenses. Popular Deductions Ohio allows deductions for certain types of income, such as retirement income deductions for Social Security and public pensions. This article is a product of Harness Tax LLC.

Taxes 52

Taxes Compliance Electronics Tax Planning 52

Good Financial Cents

APRIL 14, 2023

Somebody had to write each and every one of those articles and posts. You can easily make $1,000 or more each month writing just a few articles. I write online content for a living, earning an average of $20,000 to $30,000 per month writing articles, book chapters, and slideshows for a variety of websites and individuals.

Accounting 91

Accounting Communication Investing Investments 91

Harness Wealth

MAY 19, 2025

Additionally, Minnesota allows deductions for certain retirement contributions and education-related expenses. Common Tax Filing Errors Errors such as incorrect Social Security numbers, math mistakes, missing signatures, or failing to attach required schedules are frequent causes of processing delays.

Taxes 52

Taxes Tax Planning Compliance Education 52

Random Roger's Retirement Planning

JULY 1, 2022

We dove in on the math at my old URL (sad story, no longer exists) and the math checks out. InvestmentNews threw its hat in the ring on the Morningstar article about alts that we've mentioned a couple of times this week. A long time ago I wrote about a portfolio concept derived by John Serrapere called 75/50.

Portfolio 40

Portfolio Math Clients Management 40

Good Financial Cents

JUNE 25, 2023

If you are brand new to the world of investing and have never bought stocks, mutual funds, exchange-traded funds, or other types of investments—for instance, a retirement account through your workplace—you may want to skip Bitcoin for now and start investing with the stock market. Can Beginners Invest in Bitcoin?

Investing 76

Investing Investments Accounting Commission 76