Most 401Ks are Not Great. Here is How to Optimize Yours. 401Ks “suck”. But only in comparison to what they’ve replaced. And given that they are the standard today, …

The health care industry is almost one-fifth of the American economy, and massively restructuring it impacts all of us financially in a huge way. So, I felt it necessary …

A few years ago, my wife and I paid off our mortgage early. This is the first we’ve broadly shared it. We purchased our home for $185K and made …

My Credit Karma Review (From a Real User) This Credit Karma review has been updated for 2025. Ever since I first used and highlighted Credit Karma on this site, …

As outlined in my recent Safe Withdrawal Rate post, answering the “How much do I need to retire?” question is critically important for anyone who wants to retire some …

I’m excited to finally unleash my Safe Withdrawal Rate overview as I believe this financial concept can be life changing, when used properly. Note that the safe withdrawal rate …

If your employer allows it, should you front-load your HSA contributions to the maximum HSA contribution levels at the beginning of the year? To answer that, let’s first review …

This article on IRS EIN Numbers has been updated with information for the 2024 & 2025 tax years. Do you want to earn self-employment income without disclosing your Social …