Early Retirement: How Important Is It to Pay Off Your Mortgage First?

When you plan for early retirement, you’re not just planning for the last few years of your life. It’s more like preparing for the second half of your life. This time frame will likely span a number of decades. One of the best ways to successfully prepare is to get out of all debt, including […]

Published or Updated: October 23, 2016

How to Use a Health Savings Accounts to Save For Retirement

I‘ve recently received a couple of emails from readers about Health Savings Accounts. One comes from Robert, who writes: I would like you to cover HSAs in the future podcast. We just started using one, and we are getting confused and occasionally tripped up by some of the rules. And a podcast listener named Patrick […]

Published or Updated: October 24, 2016

Real Estate Versus Stocks: Where Should Your Nest Egg Go?

There is a debate that comes up often when discussing long-term investing. Are real estate ventures or stocks the better choice for investing, either for early retirement or financial freedom? Let’s take a look at the rates of return on investment in both stocks and real estate, and see how they compare. The Long-term Performance […]

Published or Updated: September 21, 2016

How to Access Traditional Funds In Early Retirement

Evan Gautier

Saving for retirement can be one of those things that is simple, but not easy. If you are like most people, you probably spend a lot of time and energy worrying about getting the money into your retirement accounts in the first place and haven’t considered how you’ll get it out. In practice, adequately funding […]

Published or Updated: September 20, 2016

3 Lessons You’ll Find in the Four Percent Rule

Chris Mamula

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 […]

Published or Updated: September 12, 2016

Early Retirement and Paying for Kids’ College: Are They Compatible?

Prioritization is the keystone of any successful financial plan. This is especially true with retirement planning, and even more so with early retirement. So, what happens if you would like to retire early, but have children slated to start college right around the same time? How do you prioritize both saving for your retirement AND […]

Published or Updated: September 6, 2016

How to Save Money on Taxes By Retiring Early

Chris Mamula

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 […]

Published or Updated: August 31, 2016

How to Determine Your 401(k) Fees

You are probably already figuring out how much money to contribute to your 401(k) plan every year. More than likely, you also spend time learning how best to invest the money. One thing many people neglect, however, are 401(k) fees. Small fee changes each year can make big differences in the performance of your plan […]

Published or Updated: August 24, 2016

Money In The Bank: Should You Take a Lump Sum for Your Pension?

Evan Gautier

You work hard. In fact, you have been working hard your entire career, and it is just about time to call it quits for good. Ah, retirement. You may even be one of the lucky few with an employer who offered a pension. Now it’s time to just sit back and collect monthly payments for […]

Published or Updated: August 26, 2016

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