How to Decide When to Buy a House There are two major factors in buying a house. One is the market and the other is whether or not you’re financially ready to make the leap. Interest rates on mortgages are at an all-time low, but no one wants a repeat of the subprime...
Roth 401k & Roth IRA: Tax-free retirement funds When it comes to your retirement, a Roth 401k and a Roth IRA are both funded with post-tax dollars. The money you put into them is taxed at the time you contribute. That’s the opposite of a traditional 401k and IRA,...
Can You Buy a House Outright With Cash? Yes, you can buy a house with cash, as long as you have the money to do it. The mortgage industry has changed since the subprime housing bubble exploded in 2007. It’s gotten harder to get a mortgage. The buying lifecycle...
What Makes a Good Stock Good? A good stock appreciates in value over time. A good stock is one that has more value than more than it costs. If you don’t have a crystal ball, how do you figure it out? The stock market is like a foreign language. You see all the...
No Stupid Questions, Plenty of Dumb Mistakes If you think all doctors are rich – ask one. They aren’t. Most physicians have no more financial training than a Uber driver. Far too many doctors make avoidable mistakes that cost them money. Whether it’s personal...
Become Financially Independent. Then Retire Early. The FIRE (Financial Independence, Retire Early) movement was founded almost 2 decades ago. It premiered in a book called, “Your Money or Your Life.” The 1992 best seller said that working until age 65 wasn’t an...
