Abnormal Returns

OCTOBER 18, 2023

open.spotify.com) Retirement Nine things to consider in retirement. tonyisola.com) Retirement is, in part, about saying no to obligations you don't like. marketwatch.com) The retirement savings system is still way too complex. humbledollar.com) How to find abandoned retirement accounts.

Insurance 261

Insurance Math Retirement Taxes 261

Abnormal Returns

APRIL 1, 2024

wiredplanning.com) Retirement Spending guardrails are important in retirement, but the details matter. thinkadvisor.com) Not everyone is happier in retirement. thinkadvisor.com) Moving states in retirement requires some careful planning. thinkadvisor.com) Solo 401(k) contribution math can be tricky.

Wealth Management 255

Wealth Management Math Retirement Retirement Planning 255

Abnormal Returns

APRIL 24, 2024

whitecoatinvestor.com) Retirement Retirement is filled with all sort of irreversible decisions. nytimes.com) How time feels more precious in retirement. advisorpedia.com) Retirement accounts Just because you can contribute to an IRA doesn't mean you should. humbledollar.com) Don't be ashamed to take senior discounts.

Insurance 259

Insurance Math Retirement Education 259

Abnormal Returns

JUNE 7, 2023

awealthofcommonsense.com) Home buying math is bad right now, but will it be any better a year from now? bloomberg.com) Personal finance Things to do before pulling the plug on your job and retiring. finance.yahoo.com) The case for semi-retirement. humbledollar.com) Financial planning means always adjusting your plan.

Math 245

Math Retirement Food Financial Planning 245

Abnormal Returns

SEPTEMBER 18, 2023

wiredplanning.com) Christine Benz and Jeff Ptak talk retirement income with Kelli Hueler, CEO and founder of Hueler Companies. riaintel.com) How to think about the math of entering a continuing care retirement community or CCRC. morningstar.com) The biz Charles Schwab ($SCHW) is proclaiming the TDA integration a success.

Planning 261

Planning Financial Advice Wealth Management Math 261

The Big Picture

MARCH 24, 2025

As Paul Krugman recently wrote on his excellent Substack , using a chart identical to the one immediately above (Paul used FRED ): “People may imagine that government is a bigger part of the economy than it is because of all the money we spend supporting retired Americans, covering their health bills, and so on [Chart 1].

Government 310

Government Investing Investments Economy 310

Abnormal Returns

APRIL 3, 2024

podcasts.apple.com) Dan Haylett talks with financial advisor Ed Combs about the relationship challenges in retirement. awealthofcommonsense.com) On the math of a 0% line of credit. (ritholtz.com) Jesse Cramer talks with Peter Lazaroff about how to hang in there for the long run. realsmartica.com) Better investors make fewer decisions.

Math 259

Math Financial Advisor Retirement Banking 259

The Big Picture

APRIL 17, 2025

My buddy could pay off his mortgage and car loans, pre-pay the kids colleges, fully fund retirement accounts, and still have cash left over. These two possibilities a 10-fold increase versus a 90% drop are roughly symmetrical in terms of math (but probably not probabilities). Torn about what to do, he asked my opinion.

Investing 268

Investing Investments Accounting Startup 268

Million Dollar Round Table (MDRT)

MAY 28, 2024

Scott Brennan The difficult part of retirement for a lot of successful people isn’t about the money; it’s about the perceived loss of importance. Some of these relationships are with people who want to retire or who are already retired. Math has no emotion, but people do. It’s a blow to their ego.

Retirement 101

Retirement Math Financial Advisor Clients 101

Random Roger's Retirement Planning

JANUARY 6, 2025

If that money is in an IRA, that is going to change your math considerably due to having to withdraw all of that inherited IRA within 10 years. Maybe you have very few moving parts or have many more moving parts but it is important to realize that no one's retirement plan will be done in by everything going exactly as planned.

Retirement 52

Retirement Retirement Planning Insurance Medical 52

Integrity Financial Planning

JULY 6, 2022

When taking out your retirement income, it’s important to consider the source. New statements may make it easier to see what you have, but what should you focus on when making a retirement income plan? Having an income plan is key for your retirement planning. Look at the math to understand and believe it.

Retirement 95

Retirement Retirement Planning Math Financial Planning 95

The Big Picture

NOVEMBER 27, 2023

When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.

Marketing 305

Marketing Marketing Math Retirement Planning 305

Nerd's Eye View

JUNE 21, 2024

million in assets to both retire and pass on a legacy interest (though many have yet to establish an estate plan), according to a recent survey. Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that affluent Americans believe they need an average of $5.5

Financial Planner 246

Financial Planner Financial Advisor Taxes Math 246

Darrow Wealth Management

APRIL 21, 2025

While a Roth conversion may never make sense for some individuals, for others, early retirement years may be the best time to convert pre-tax accounts to tax-free Roth. Converting a traditional IRA to a Roth doesnt make sense unless you have cash to pay taxes without dipping into your retirement savings.

Retirement 54

Retirement Retirement Planning Taxes Accounting 54

Abnormal Returns

NOVEMBER 23, 2022

peterlazaroff.com) Retirement 'Work longer' as retirement advice doesn't work for everyone. marketwatch.com) Doing the math on an annuity in retirement. (monevator.com) You can't invest if you don't save. awealthofcommonsense.com) Why active management fails.

Math 144

Math Retirement Investing Investments 144

Abnormal Returns

MAY 14, 2023

wealthmanagement.com) The math behind savings rates and retiring early. (humbledollar.com) Some lessons from the 2023 Berkshire Hathaway ($BRK.A) annual meeting. novelinvestor.com) The banking crisis isn't over. aswathdamodaran.blogspot.com) Inside Vanguard's bond indexing money machine.

Math 157

Math Portfolio Retirement Banking 157

Abnormal Returns

SEPTEMBER 13, 2023

(theirrelevantinvestor.com) Peter Lazaroff talks with Jesse Cramer about the math behind car ownership. peterlazaroff.com) Retirement How retirement can open you up to new possibilities. humbledollar.com) Some tips on how to boost your spending in retirement. barrons.com) When it doesn't make sense to move in retirement.

Math 144

Math Retirement Retail Banking 144

Darrow Wealth Management

OCTOBER 1, 2022

Is retiring with a mortgage a good idea? Retiring with a mortgage doesn’t typically pose a financial risk, and at times it’s the best financial decision. But paying off a mortgage before retirement has upsides also. Here’s when it may – and may not – make sense to pay off a mortgage before retiring.

Retirement 105

Retirement Taxes Math CFP 105

Financial Symmetry

JULY 30, 2024

Some problems are easily solved with a bit of reasoning, logic, or by using a bit of math. These issues require much deeper consideration and often cause … Continued The post Wild Retirement Problems, Ep #221 appeared first on Financial Symmetry, Inc. Other problems, however, go beyond quantitative thinking.

Retirement 67

Retirement Math Numbers 67

The Big Picture

JULY 24, 2024

Morgan Housel Finance types tend to focus on attributes like intelligence, math skills and computer programming. You can know everything about math and data and markets, but if you don’t control your sense of greed and fear and you’re managing uncertainty in your behavior, none of it matters. None of it matters.

Math 274

Math Retirement Investing Investments 274

Random Roger's Retirement Planning

OCTOBER 26, 2024

First, is the math right based on my numbers? If we guess just 2 billion people, and that is just a guess, and divide that into the 15.2 million Bitcoin, I think that works out to just under 1/100th of a Bitcoin per person, which works out to less than $100 per person at the current price. How can it solve anyone's problem?

Math 52

Math Portfolio Numbers Taxes 52

Random Roger's Retirement Planning

DECEMBER 17, 2023

change at retirement. Hopefully a mortgage is paid off, hopefully there are no car payments to make and health insurance at 65, if retired, should go down quite a bit on Medicare, especially if income goes way down. Once someone is retired, saving for retirement is one less expense too.

Retirement 75

Retirement Math Insurance Accounting 75

Getting Your Financial Ducks In A Row

OCTOBER 31, 2022

It has further been estimated that as we approach retirement, this ratio increases to a factor of five times more pain for a loss as opposed to the joy we experience for a gain. There’s no shame in admitting that factor – for a lot of us, math can be very tough.

Math 113

Math Investing Investments Retirement 113

The Irrelevant Investor

SEPTEMBER 19, 2020

Yesterday Ben and I did a show on retirement. While the math of the former is easy, and the implementation of the latter takes a stick, even my two smart ass millennial offspring will now admit it created a solid foundation. We should have a sense of urgency about retirement because it's coming, and there are no do overs.

Retirement 52

Retirement Math Education Planning 52

The Big Picture

DECEMBER 4, 2024

And the way math works, you end up with a stock that goes up a bunch. And you’re going to see a big sea change in the next three to five years of asset managers and RIAs optimizing taxable tax, and then non-taxable retirement accounts for various type of investments. And that’s the broad market.

Taxes 130

Taxes Portfolio Accounting Management 130

Carson Wealth

FEBRUARY 22, 2023

Matt Kory, Vice President, Retirement Programs As a retirement income vehicle, the 401(k) is second in popularity only to Social Security – and as CNBC reported in 2019 the number of 401(k) millionaires is at an all-time high. But is a million dollars even enough for your retirement needs? Just think of the numbers.

Retirement 98

Retirement Taxes Planning Math 98

Integrity Financial Planning

JANUARY 23, 2023

For most, Social Security provides a solid foundation for retirement income. As you grow older and retirement looms on the horizon, the decisions you make start to have a more crucial impact on the amount of money you receive, so it’s important that you know what to expect.

Retirement 89

Retirement Math Retirement Planning Planning 89

Mullooly Asset Management

JULY 28, 2022

” In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions. In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions.

Distribution 52

Distribution Accounting Math Retirement 52

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

Integrity Financial Planning

FEBRUARY 3, 2023

Next, let’s face it, not all of us are exceptional when it comes to math. Taxpayers should always confirm that their math is correct, as this is one of the most common mistakes made when filing. [1] 5] Avoid Early Retirement Account Withdrawals if You Can! 6] Double-Check!

Taxes 82

Taxes Math Accounting Medical 82

Random Roger's Retirement Planning

JUNE 3, 2024

I haven't seen too many scenarios where Roth conversions were optimal as most people don't earn more after they retire. Do the math on your particulars like what your various sources of earned income will likely be, how much your RMDs will likely be and so on. How much are you likely to end up with in your retirement accounts?

Numbers 98

Numbers Taxes Retirement Accounting 98

Discipline Funds

MARCH 1, 2023

If you adjust it for only the working age and retired population then inventory is even higher. And that’s where the math on renting comes into play. If we look at total housing units in the USA relative to the total population the story looks quite different from the one in the mainstream media.

Math 137

Math Numbers Sales Economy 137

The Big Picture

AUGUST 29, 2023

My Two-for-Tuesday morning train WFH reads: • Stock Pickers Never Had a Chance Against Hard Math of the Market : In years like this one, when just a few big companies outperform, it’s hard to assemble a winning portfolio. If you’re depending on income to fund your retirement, 5% rates are a blessing.

Insurance 130

Insurance Math Economics Economy 130

The Irrelevant Investor

SEPTEMBER 24, 2020

Ben and I spoke about this concept on a podcast we did about retirement. I understand all the reasons why it's hard to save money, but in this post I only want to look at the math. The post How Much Money Should You Have Saved For Retirement? If this makes you feel bad about yourself, you're not alone. 3x your income by 40?

Retirement 52

Retirement Numbers Math 52

Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to retirement and more. Money stored in retirement accounts also is illiquid, since withdrawals are subject to lots of rules and take time.

Numbers 105

Numbers Assets Retirement Budgeting 105

Clever Girl Finance

JULY 18, 2022

Do the math of your raise. Some quick math will reveal exactly how much extra income you’ll be working with in your monthly budget. The trap of short-term gratification in the form of luxury convenience can delay your plans to get out of debt, save for a down payment, or retire. Is it an essential item?

Budgeting 132

Budgeting Math Accounting Retirement 132

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 105

Math Education Management Accounting 105