Retirement

As someone who has been writing about financial independence and escaping corporate America since 2009, I’ve developed several rules that serve as the backbone for achieving FIRE and staying free. They are simple, but not easy. Ignoring any one of them can set you back years. Below are the first two rules as a reminder, […]

About 10 years ago, I tried logging onto SSA.gov to check my Social Security benefits. You would think after decades of paying FICA taxes (6.2% for SS, 1.45% for Medicare), the government might make it easy to see what you’re entitled to. Nope. Instead, the system demanded to physically mail me a PIN. I tried three times

At our core, we all just want a fair chance to compete. We don’t want handouts, and we certainly don’t want to rely on the Bank of Mom & Dad to prop us up as adults. They have their own retirement to worry about. The real satisfaction comes from seeing what we can build through

The maximum employee 401(k) contribution limit for 2026 is increasing by $1,000 to $24,500 according to the IRS. For workers over 50, the catch-up contribution rises to $8,000, bringing the total to $32,500. With the median household income of roughly $80,000 today (employee 401(k) max = 30% of income), that’s a substantial amount of money to shelter in

A poor millionaire sounds like an oxymoron, but they definitely exist. Roughly 6% of U.S. households are millionaires, yet many of them still don’t feel rich. A poor millionaire is someone worth over $1 million but unable to access much of their wealth. In other words, their net worth is highly illiquid. A layoff, bear market, or

I love Halloween, especially seeing how much fun the kids have. But for financially aware adults, the real chills don’t come from ghosts or goblins. They come from spreadsheets, surprise bills, and market meltdowns that turn your net worth chart into a horror movie graph. After over three decades of studying, working through, and writing

Despite finally having the permission to live it up in retirement, I still find it hard to spend money on things I don’t truly need. A big part of building wealth has always been about endurance and suffering. The more we can withstand—long hours, delayed gratification, and the occasional investment blowup—the greater our odds of

One of the key conclusions from getting a free financial consultation with Empower is that I should be able to live it up more in retirement. In fact, we should all be able to live it up more in retirement based on a higher recommended safe withdrawal rate by Bill Bengen, one of America’s best retirement

After doing my first free Empower financial professional review back in 2014, I decided to do another investment portfolio review with them. Given the portfolio review is free for anyone with over $100,000 in investable assets, and my financial situation has changed so dramatically since then, I figured, why not spend a little time uncovering potential

On October 8, 2025, we decided to go on a family vacation I was decidedly unexcited about. That entire week was supposed to be my time to attend the Fairfield Challenger tennis tournament every day with my buddy Richard. September and October are tennis paradise months in the Bay Area, with multiple tournaments and ideal