Category: Personal Finance
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How Progressive Taxation Flips the Script on Investment Decision Making
I started reading Sean Mullaney and Cody Garrett’s Tax Planning To and Through Early Retirement recently. I was happy to see Mullaney and Garrett break down the math behind Roth vs. Traditional accounts. Far too many financial planners and influencers use overly simplistic math, stoke fear about impending tax timebombs, or just cheerlead for “tax…
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How a Water Heater Can Increase Your Wealth
Energy efficiency may be boring, but it can be an incredibly lucrative investment What if I told you there is a way to make a 20 percent annual return on your investment over the next 13 years? What if I also told you that you could make that return with the same low risk associated…
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Here’s How Much You Really Need to Save for Retirement
Planning for retirement spending is one of the more nuanced parts of financial planning. The Financial Independence community commonly follows the “4% rule,” which was first developed by Bill Bengen in a 1994 paper and later expounded upon in the Trinity Study. The 4% rule dictates that a properly designed portfolio should last at least…
Fictitious Capitalist 