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The Ugly Truth Behind the RE in FIRE

What does it mean to retire early? Social Security defines full retirement age as 67, but it allows one to claim benefits as early as 62....

FIRE and Retirement Plans

The majority of workers today do not have a pension plan. Instead, we have either a retirement plan sponsored by our workplace (401k or...

Options Are Not a Panacea

Under the current market conditions, I could see a FIRE saver being able to earn an additional 20% - 25% over and above their normal...

No Really, this Time it's Different

Usually, there is a decent gap between big news events. However, on February 21, after the market closed, Kraft Heinz (ticker KHC)...

Finding Winners Using the News and Dead Cats

If you are willing to take big risks on a single stock, big winners can make a real difference in achieving your goal of financial...

Math vs. Emotion

Most investing is driven by two emotions: fear and greed. Math, on the other hand, has no relation to emotion. Math exists. It is a...

Don't Let the Tail Wag the Dog

Please remember that the goal of trading options was to enhance the gains from owning stocks. At the cost of accepting more risk, you...

The Rich Have More Options

An old Roman playwright, Plautus, is credited with the saying “You must spend money to make money.” A little thought reveals that the...

Growing vs. Spending

Saving for financial independence has two phases: growing and spending. During the growing phase, you are just trying to accumulate as...

A Tax Deferred is a Tax Avoided?

There are a lot of tax deferred retirement plans available, but in order to participate, your employer has to offer them. Money put into...

How do I get started?

Unfortunately, there is no magic formula to accumulating money. You have to save, and that means spending less than what you earn minus...

Mo' Money, Mo' Money, Mo' Money

More money seems to be the universal answer to our problems. How do you reduce the risk in your savings? Save more money. How do...

Buy High, Sell Low?

Everyone knows that in order to make money in the stock market, you need to buy low and sell high. But, during a downturn, you will be...

The Government is our Silent Partner

All of the money that we spend on our lifestyle is after tax money. Thanks to the income tax, the Government (both Federal and State) is...

Risk vs. Return

If you have talked with a professional money manager, you were almost certainly introduced to the 60/40 portfolio. This is an investment...

Inflation: The Hidden Killer

Albert Einstein once said “Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays...

What is Financial Independence?

The Financial Independence Retire Early (FIRE) movement has been getting a fair amount of press lately, but I think most of it has been...

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