How ACA Subsidies Can Benefit Early Retirees

In a recent post, I discussed some of the tremendous tax advantages associated with early retirement. This follow-up discusses another aspect of the tax code that is very favorable to early retirees: ACA subsidies. It’s often a low-cost lifestyle that enables people to retire early and benefit from low taxes in retirement. Well, this also […]


DIY Investing Is the Only Way to Avoid Conflicts of Interest

I have become a personal finance junkie and proponent of do-it yourself (DIY) investing over the past few years. However, this was not always the case. My wife and I used a financial advisor for the first decade of our careers. In retrospect, we learned that we were paying far more than we realized. In […]


How to Get Out of a Bad Variable Annuity

In a recent post, I explained the basics of variable annuities (VAs) and their components. I also shared how we were sold a variable annuity that we later realized was not in our best interest. Hopefully, that post will prevent others from repeating our mistake. As mentioned in the previous article, our experience is (unfortunately) […]


Variable Annuities: What They Are and Why They’re a Bad Idea for Most Investors

I received my initial financial education, particularly as it relates to investing, courtesy of the school of hard knocks. My wife and I spent the first decade of our careers investing with an advisor, one who was paid by commissions on the products we were sold. In the process, we made many massive and expensive […]


3 Lessons You’ll Find in the Four Percent Rule

If you’ve spent any time on retirement planning, you’ve probably heard mention of the 4% rule. It was developed to help determine how much money retirees could safely take from retirement accounts annually, without depleting their funds. Summarizing the rule quickly, you can withdraw 4% of your portfolio on day 1 of your retirement. You […]


How to Save Money on Taxes By Retiring Early

Early retirement offers many benefits. The obvious benefit, of course, is . . . well, retiring early. But perhaps a less obvious benefit would be the tax advantages available to early retirees. The advantages are often hidden behind the complexity of the tax code. A quick Google search claims that the U.S. tax code is […]