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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We asked 15 questions to determine how those who have retired got there. So far, about 125 people have responded. Here's what they said. The post ‘I Got Poor Advice from an Accountant . . . That’s a B...
An interview with FPL's Amanda Harrell, where we talk through how to handle a 401(k) rollover without blowing up your Backdoor Roth IRA, whether direct indexing is really worth it, and what to think a...
Preparing for a bear market is critical. Because we know that another one will be coming along at some point, whether we like it or not. The post Preparing for and Surviving the Next Bear Market appea...
Cheaper doesn’t always mean better when it comes to insurance quotes. Quotes can vary widely—not just in price, but in what they cover. The post Don’t Cheap Out When It Comes to Insurance: The Cheapes...
Afternoon all - A few days ago, I saw a video from a fianancial consultant who was advocating that if you own a home you should consider selling it when you retire, take the proceeds from the sell and...
Whether you think debt is a good tool for your future or if you're appalled by it, there's plenty of nuance about the idea of being in debt. The post A Rant About Nuance in Debt Management (Stupid Deb...
Let’s examine a few cases of people who had tons and tons of money and then lost it all and see what we can learn from their mistakes. The post How Mega-Rich People Lose All of Their Money — and How Y...
Starting in 2026, the Federal Thrift Savings Plan (TSP) began allowing in-plan Roth conversions. Here's what you should know. The post Yes, You Can Now Do Roth Conversions in Your Thrift Savings Plan ...
Some might feel this is a ridiculous premise, but it actually could make sense to use airline points to manage risk in early retirement. The post Using Airline Points to Manage Sequence of Returns Ris...
Talking in depth about index fund investing, and answering listener questions about handling inheritances from your parents and making smart tax moves around withholding, estimated payments, and capit...
Should medical residents be buying a house that they'll probably only live in for 3-5 years? I don't think it's a great idea. The post The Case Against Resident Homeowners appeared first on The White ...
Since we can actually start using Trump accounts, aka 530a accounts, on July 4, 2026, let's talk about what we actually know about them. The post What You Need to Know About Trump (530A) Baby Bonus Ac...
it's worth parsing Dave Ramsey's recent discussion of the Bogleheads and then talk about what both parties get right. The post Dave Ramsey vs. the Bogleheads appeared first on The White Coat Investor ...
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
Everyone should own their own business. It has so many awesome benefits and few downsides. Here are some of the benefits I've experienced. The post 10 Reasons You Should Own a Business appeared first ...
They say too much TV will rot your brain. I spent many hours watching television, and my brain is fine—and I learned plenty about finance. The post The Financial Lessons I’ve Learned from Watching My ...
On the scale of active to passive real estate investing, turnkey properties are in the middle. They could be a great spot for your portfolio. The post Why You Should Consider Turnkey Rentals appeared ...
Oil and gas investments can play a lasting role in a diversified portfolio, but be sure to consider how they fit into your broader strategy and estate plan.
Answering listener questions about how they can make smarter use of Roth accounts and tax-efficient retirement strategies and how they can think about reducing future RMDs. The post Roth Conversions f...
The hardships in medicine are many, and they contribute to an environment that can seem hostile to our jobs. Was there a better option? The post The Career You Should Pursue appeared first on The Whit...
In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. T...
Robert Skinner II emphasizes high-conviction investing, tax efficiency and disciplined decision-making during volatile markets.
Due to the outperformance of the Magnificent 7 stocks the last few years, are total stock market index funds no longer legally diversified? The post Is a Total Stock Market Fund No Longer Diversified?...
No matter what you think about previous generations, they just might have legit financial advice that can help you reach your goals. The post 5 Financial Lessons That Boomers Taught This Millennial Th...
Now that WCICON26 is officially over, let's go behind the scenes while I tell you some of my favorite stories from the conference. The post Talking to Mike Piper, Christine Benz About the Pressure of ...
Disability insurance is a must for a doctor, and plenty of options exist. Here's what to know about graded vs. level premium insurance. The post Graded vs. Level Premium Disability Insurance appeared ...
Many RBD followers are aware that I have a second brand/website/podcast called Access IPOs that initially spun out of RBD way back in 2016. Access IPOs helps ordinary retail investors find opportuniti...
Answering listener questions about whether it makes sense to sell a legacy investment for a lower-cost option and how to think through that tax tradeoff, how to choose tax lots in a taxable account, a...
Advances in predictive medicine are starting to raise a fascinating question: what if we could estimate our longevity with much greater accuracy? New blood tests and biomarkers are being developed tha...
We're making a big change in our lives. Here are all the reasons why we're packing up and moving on to somewhere else. The post We Moved to California! appeared first on The White Coat Investor - Inve...
“Only live off the dividends. Never touch the principal.” It sounds responsible. It feels safe. It may be one of the riskiest retirement strategies out there. In this episode, James breaks down why bu...
In my portfolio, I use a small value tilt—an overweighting toward stocks that are small and value-oriented. Is that still a good idea? The post Why the Small Value Tilt Works: A Psychological Perspect...
I recently had a somewhat painful international travel experience. And it made me start thinking about the costs of private jet travel. The post The Calculus Behind Private Jet Services (Should You Bu...
What are Passive Income Generators (PIGs) and Passive Activity Losses (PALs), and how do they interact with each other on your tax bill? The post Using Passive Income Generators (PIGs) to Offset Passi...
Here's my situation. I am 61 and currently employed and have a 403b that I am contributing to. I intend to work until I am 70 at least. I have an old pension plan which will give me $1200 if I wait un...
James Choi’s investing model suggests your stock allocation should depend on income, savings, and future earnings, not just age. The post How Much in Stocks? A Yale Formula Rethinks Allocation Rules a...
Here are some of the reasons I've spent time thinking about intentional vs. unintentional giving and why doing the former is important. The post Intentional vs. Unintentional Giving appeared first on ...
A conversation with Bill Bengen—the creator of the 4% rule—to discuss how retirement strategies have evolved, what high-income professionals should be thinking about now, and his current recommendatio...
After eight years of managing our funds and averaging over 9%, I was feeling confident. But if you change your mind, things can get messy. The post A Change of Plans About When I Took Social Security ...
You don't need to be the smartest doctor in the room to understand how to get more into your retirement accounts. But I'll explain it anyway. The post How to Get More Money in Your Retirement Accounts...
I always thought I could budget $1,000 for healthcare in early retirement and be totally fine. Turns out that was nowhere close to true. The post The Health Insurance Dilemma of Early Retirement appea...
Let's break down the disability insurance premium payment setups and show how each one could impact the tax status of disability checks. The post Are Disability Benefits Taxable? What Doctors Actually...
For physicians, the conversation about 1099 income and micro-corporations is about professional autonomy and financial acceleration. The post Should Physicians Form ‘Micro-Corporations?’ appeared firs...
Are you aware of just how much investing is costing you? Explore all the fees associated with your mutual funds and ETFs. The post Fees and Expenses on Mutual Funds and ETFs: A Complete Guide to the O...
Dr. Jim Dahle and Dr. Tyler Scott answer listener questions about 529 plans and Trump Accounts and how and if you should use them for your child's education. The post 529 Plans: How Much to Save and W...
Does medical school still make financial sense after OBBBA? Let's run the numbers and see how it all pans out. The post Helping a Pre-Med Run the Numbers on Medical School appeared first on The White ...
I graduated from dental school with $300,000 in student loans. Nearly two decades later, I'm financially independent. Well, sort of. The post Financially Independent but Trapped by My Assets appeared ...
The Actuarial Approach: Employs an easy-to-understand and robust financial metric (Household Funded Status) Permits adoption of easy-to-implement guardrails that suggest future spending changes Uses b...
See the end from the beginning and figure out how you're going to get out of real estate investing before you get into it. The post The 7 Ways to Get Out of a Real Estate Investment appeared first on ...
It’s incredibly common to assume that saving and investing are about becoming rich; building the biggest pile of money possible. ... Read more