Use Accounts to Save and Budget

I talk a lot about the psychology of money. The reality is that no matter how much something makes sense mathematically, it just may not work for most people because money isn’t just something we move around on a spreadsheet. One of the most common questions I see are in …

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Basic Retirement Plan Simple

Retirement planning is actually incredibly simple and straightforward for most people. However, it can quickly sound complex because of all the edge cases, exceptions, and possibilities that really only affect a small number of people. If you eliminate all of that noise, however, there really isn’t much to the average …

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Financial Planners and Financial Advisors an Introduction

Listen to the book authors, newspaper and magazine columnists and many web sites, and you will hear that financial advisors or financial planners are nothing more than glorified snake oil salesmen out to separate you from your hard earned money. To listen to some in the finance industry and their …

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