Retirement investing is the process of setting aside money during your working years with the goal of generating income to support you during retirement. It's important to start saving for retirement as early as possible, because the earlier you start, the more time your money has to grow through compound interest.
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A financial plan is designed to adapt to life changes, not market changes, helping with how assets are distributed and how withdrawals can reduce taxes.
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Each of the questions Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing today on Your Money, ...
In general, you should buy an individual disability insurance policy. More than a decade ago, I bought a group policy as well. Here's why. The post Why I Bought a Group Disability Insurance Policy app...
New EBRI research finds health savings account balances continue to grow as longtime accountholders save and invest more, yet just 18% invested any of their HSA assets outside of cash
For decades, my emergency physician group has let the market decide the worth of a night shift. Recently, that's changed—and it seems unfair. The post What’s a Night Shift Worth? appeared first on The...
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/9fc86c ======================= Your portfoli...
I'm not a camping guy, and I'm not really a hiking guy. Why, then, did I go on a two-week backpacking trip? And what lessons did I learn? The post What I Learned About Myself, Finance, and Adventuring...
Tuesday, August 11 - Monday, August 17, 2026 Most Commented score comments title & link 31 257 comments Do you pay off the mort or invest Top Comments score comment 31 /u/atropear said Russian proverb...
More than half of eligible children (and many widows and widowers) are missing out on Social Security survivor benefits. Here's what to know. The post Why Many Young Widows and Widowers Leave Social S...
When it comes to building wealth, Gen Z is more focused on investment apps and their retirement accounts than they are in building equity in a home.
After publishing The Untold Burden Of Being Your Family's Financial Provider, I got this comment from a reader named Brian: “I can identify with this post as I am the family CFO / CIO. I think you are...
Recently, a bunch of WCIers got very interested in cash balance plans. Let's talk about them today, particularly the downsides of a CBP. The post Why You Might Not Want to Make Huge Cash Balance Plan ...
Answering listener questions about the most effective levers for catching up after a late start to retirement saving, tax-loss harvesting, and when added investment complexity may or may not be worth ...
One of the most powerful tools in a physician’s financial plan—and life design—isn’t a fund, account, or asset class. It’s margin. The post Margin: The Most Underrated Tool in a Physician’s Financial ...
Money can be scary, and the first time you do a financial task, it can be intimidating. Here's how you can overcome that fear. The post 8 Financial Tasks That Are Intimidating . . . Until You Do Them ...
Do retirees actually run out of money? After reading hundreds of real retirement stories from people who did, one pattern became clear: it usually wasn't poor investing that caused the problem. In thi...
For years, tax-optimizing investing strategies were confined to hedge funds and ultrawealthy families with access to specialized financial planning. Now, ... Read more
I am 9 years from retirement. Trying to figure out if I should pay off the mortgage ($360k) or invest the money. Sources show I should invest it. $200k to something like bonds and that should be my sa...
Yes, pediatricians have disadvantages to building wealth and getting rich, but it's certainly not an impossible task to do so. The post Become a Pediatrician, Get Rich appeared first on The White Coat...
In this episode, Laura Stover, RFC® and Michael Wallin, CFP®, discuss the concept of a cookie-cutter retirement portfolio and its implications for retirees. They start by addressing the recent news of...
Every investor, whether you do it yourself or have professional help, needs to understand the fees they are paying because this is one of the most important factors attributing to investment performan...
We're more than halfway through 2023 and we've already seen the impact SECURE Act 2.0 has on retirement planning. These first six months have given the financial industry time to identify some of the ...
Being flexible with spending absolutely matters in financial planning and it often gets overlooked when people step into retirement. Most people look at their budget and the assets that they've accumu...
We work with people that have investing questions all the time but there are two that investors often boil it down to. They want to know how long they need to be invested to be sure they don't lose mo...
We spend most of our life saving and investing to accumulate as much wealth as possible before retirement, but there's not nearly as much thought and research given to how you take that money out once...
Investors use rate of return to make decisions and evaluate performance all the time, but they often get misled by the average return. With the market showing some positive signs to start the new year...
Despite seeing a few positive days to begin the new year, investors are still in the midst of the longest bear market in nearly 15 years and plenty of economic doubt and uncertainty remains in 2023. T...
No matter how experienced you are with money, there's always room to grow and learn. It's a characteristic you'll find in the most successful people, including one of the greatest investors of all tim...
Umbrella insurance and medical malpractice insurance may seem similar, but they serve different purposes in your financial protection plan. The post Umbrella Insurance and Medical Malpractice: Do They...
I've been investing with DLP since 2019. Here's everything I like about DLP, everything I don't, and how my investments have performed. The post Should You Invest Your Real Estate Dollars with DLP? ap...
Dr. Tyler Scott answers listener questions about Trump accounts, gift taxes, HSAs, 457 plans, solo 401(k)s, and more. We also discuss an important distinction between financial moves that can meaningf...
Losing $70,000 during the 2008-09 Global Financial Crisis was the majority of our life savings. Here's what I learned from that bear market. The post What It Feels Like to Lose Money appeared first on...
As part of Roger’s summer replay series, he revisits a conversation with Peter Lazaroff about the value of elegant simplicity in retirement investing. They discuss why more sophisticated strategies ar...
Here are the financial tasks that first-year professional students need to be doing. You probably should complete most of them. The post 17 Things You Must Do as a First-Year Medical Student appeared ...
Retirement is no longer a date or a day you go from full-time to not working at all. It's squishy, and it's getting squishier all the time. The post Retirement Is Squishy appeared first on The White C...
What are the pros and cons of leaving your employee job and joining a concierge practice or direct primary care model? Here are some myths. The post The Benefits and Pitfalls of Entering the World of ...
Far too many investors take either too much or too little investing risk for their goals. Here's how to get to the right level for you. The post An Appropriate Amount of Investing Risk appeared first ...
Back on June 30, I published Summer YOLO Fund: Permission To Spend, giving myself explicit written permission to blow through $40,000 in Honolulu this summer. The $40,000 was originally earmarked for ...
It's a mess right now in the medical school private student loan space. Here's how WCI is trying to help—and what you can do as well. The post How to Get Private Medical School Loans (and a Rant About...
Answering listener questions about helping children buy their first homes, calculating financial independence, and navigating the tradeoffs between one-income and two-income households. The post Shoul...
I have never run a post on this blog specifically detailing the "11 Bogleheads Principles." Today is a good day to explain them all. The post The 11 Boglehead Principles appeared first on The White Co...
Episode 530 00:00 Introduction 00:19 S&P 500 is at record high 01:18 Inflation and Fed rate hike 06:20 Stagflation not a problem for USA 06:50 Disruption of Strait of Hormuz 08:28 AI Bubble and Circul...
Choosing a medical specialty is one of the most consequential financial decisions most physicians ever make. Here's how I think about it. The post What I Wish I Knew Before Choosing My Medical Special...
It can be hard to let go of stocks that have served you well, especially when a hefty tax bill results. What are the options when holding on becomes too risky?
I enjoy continued financial education. While this is generally good, there is a zone where you know enough to be dangerous but not prudent. The post Lessons Learned by a Moderate-Income Physician from...
The math behind the 60/40 split has changed, while options for investors have increased. Why not broaden your portfolio to move with the times?
The most important aspect of investing is not returns; it's risk management. And that is important to think about when investing in bonds. The post How to Invest in Bonds appeared first on The White C...
Here's a framework for judging popular tax strategies by their effort-adjusted return to help determine if a tax strategy is right for you. The post Which Tax Strategies Are Actually Worth Your Time? ...
Retirement investing is all about discipline. Pick a strategy that’s optimized for maximum returns and lowest cost, then deploy it, and let time compound your wealth. Many DIY investors choose a passi...
An interview with Jeff Wingate—president of Rate Insurance—where we discuss how home, auto, renters, and umbrella insurance work; why homeowners insurance premiums have risen so sharply; and how to ma...