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Category: Savings

Nearer Thy Financial Numbers to Thee: January is the Best Month for Updating Your Understanding of What the Numbers in Your Financial Life Look Like

In a piece I wrote last week, I mentioned that lots of people have at best only a vague idea about what the numbers in their lives look like. I also added that this I-see-nothing approach to one’s financial life is, to say the least, not optimal, and then I […]

Financial Planning Does Not Have to Be Investing-Centric

We start with this:         <>    Do you know what that means? If not, then please allow me to take you back to yesteryear, and to little-you sitting in your little chair in arithmetic class, so that I can re-introduce you to your dear old friends, […]

Top 10 Financial Decisions that Most People Take a Powder On — and Shouldn’t

According to The Free Dictionary, to take a powder means, “To leave a place suddenly, especially in order to avoid an unpleasant situation, as in, He saw the police coming and took a powder.” Lots of folks take lots of powders on lots of financial decisions. Doing so is never as effective […]

Putting Your Savings on Auto-Pilot Can Be a Great Idea (but Usually Not Via Complicated Life Insurance)

I’ve often said that your savings rate is the primary numeric fact underlying your overall financial health. See here, here, here and here, to just link a few. In the next breath, though, I usually have to add that, quite unfortunately, many of us are quite rotten at saving money, while just […]

15-Year vs. 30-Year Mortgages (Part 1): Fun with Pix and Historic Data

A few days ago I wrote about the difference between tax-deferred retirement accounts and tax-paid retirement accounts, and commented about how the difference between the two is akin to a choice between instant gratification (for TDAs) and delayed gratification (for TPAs). So how about taking that same framework to mortgages? […]