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Category: Balance Sheet Design

The Decades Leading up to Retirement: Where Should You Be?

Recently I’ve had several conversations with 30-somethings looking to me for help in improving their overall financial health. Happy feelings ensued. It’s every financial planners’ delight, I say to them, to see people your age smart enough to be getting into action on improving their overall financial health with the help of […]

On Shelter Comings and Goings, and Refinancings: The Certainty of Uncertainty

One week off from writing, and I felt at a loss for a topic, until listening to Dave Ramsey on the radio this morning and then . . . I listened to Dave answer an emailed question along the lines of, “Dave, I can re-fi my mortgage, which is at 5.125%, […]

The JFF Blog Q’nD Generic Answer Series re: Hanging on to Asset’y Liabilities

Here’s the setting: Fictional Terry is nearing retirement.  Fictional Terry has a mortgage and is wondering whether, given the lousy returns in the bond market these days, it makes sense for Fictional Terry to reduce Fictional Terry’s cash and/or sell some of Fictional Terry’s bond holdings to pay off Fictional […]

Of Hockey Players and Home Buyers: The Luck of the (Birth) Draw

Not long ago (15 years, say) you could buy a decent house in San Francisco for $40k down and $2.5k a month. For many, that was doable, especially since it cost $2.5k to rent that same house. And, as icing on the cake, you got the appreciation ride — an […]