• Weird Name for a Financial Blog

    August 1, 2019 by

    When I decided to start a blog, it wasn’t the idea of writing that was most daunting to me.  It was the idea of naming the blog that almost gave me hives.  If you know me personally, you know that creativity, in this vein, isn’t a strong suit of mine.  Fortunately, I managed to come… Read more

  • How to Use The Mega Backdoor Roth Strategy

    August 12, 2020 by

    The Mega Backdoor Roth is a common planning strategy for high income earners looking to allocate money to Roth accounts. In most cases, their income exceeds the contribution threshold, which disqualifies them from making Roth IRA contributions. High-income earners can circumvent the income limitations by utilizing the Backdoor Roth strategy. While the backdoor Roth gets… Read more

  • 3 Reasons to Consider a Roth Conversion

    August 5, 2020 by

    Since marginal tax rates are at a historical low, Roth conversions are all the hype right now. Many investors are doing their research to decide if they should jump on the conversion train. If you’re in this group or are just learning about the strategy, here are three reasons to consider a Roth conversion. You… Read more

  • The Trojan Horse of IRAs – The Backdoor Roth

    July 29, 2020 by

    In RCs and I Ain’t Talking Cars, I explained what a Roth conversion is, how to complete the process, and why you may want to consider it. But I didn’t talk about the backdoor Roth. While it’s technically a Roth conversion, the execution is slightly different. If you’re unfamiliar with the differences between Traditional IRAs… Read more

  • Traditional or Roth – Which Should I Choose?

    July 15, 2020 by

    One of the most frequent questions I hear from investors is ‘should I contribute to tax-deferred accounts, like a Traditional -401k, Individual Retirement Account (IRA), or Simplified Employee Pension (SEP) or should I contribute to my Roth -401k or IRA?’ Before we get there, let’s do a quick refresher on both options. Tax-Deferred Accounts You… Read more

  • Life Isn’t a Marathon, It’s an Ultra

    July 8, 2020 by

    Early this year, I signed up for my first two ultramarathons, a 50k (31miles) and a 50-mile race. An ultramarathon (ultra) is any race over the traditional marathon distance of 26.2 miles. In the process of training, I’ve discovered that these longer races are the perfect length of time to let my mind wander. This… Read more

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