Retirement

Phew! We made it! What a year 2020 has been. I’m absolutely exhausted from taking care of my two young kids, experiencing so much uncertainty, and writing so much. Unfortunately, the first half of 2021 likely won’t be much different. Many cities and counties will still be under shelter-in-place. Most of us still won’t get […]

I’m bullish on real estate for the next several years. With multiple efficacious vaccines, high inflation, continued low and negative real mortgage rates, plenty of stimulus, work from home here to stay, and the desire to own income-producing assets, real estate has a bright future. Here is the latest Fundrise overview. Fundrise is a leading

One of the keys to being a successful landlord is finding good tenants. At some point in your landlord journey, you may come across a situation where you have to decide between better tenants or higher rent. Of course, in an ideal situation, you would love to have both. This post will share my latest

The more money you have, ironically, the more worries you might have too. Empower (Personal Capital), a digital wealth advisor with free financial tools, released its latest Affluent Investor report. Among other things, it highlights the biggest financial concerns of affluent investors. The biggest surprise from one of its surveys is that folks with more

If there’s a car in your blind spot and you swerve suddenly, there’s a good chance you’ll get into an accident. Your accident will not only cost time and money to fix, you might also suffer an injury or even die. If you have financial blind spots, the consequences can be just as severe. I can’t teach you

I’m not sure if homebuyers truly realize how much concentrated risk they are taking when they buy property. Most middle-class homeowners have a majority of their net worth in their primary residence (~80%). This can be dangerous during a downturn. Therefore, I want to use this post to discuss the main types of investment risk

Although the Roth IRA is an important tax-advantaged retirement account, there are also disadvantages of the Roth IRA that are seldom discussed. For years I’ve been an opponent of the Roth IRA. After the government came out with its tricky way to let us all do a “one-time” Roth IRA conversion from our traditional IRAs,

There are good times to retire early and then there are bad times to retire early. I’d like to highlight the worst times to retire early to prevent you from living a suboptimal life. As someone who retired in 2012 and mentally un-retired by 2014, I feel it’s my duty to share all the landmines

There are three retirement goals to shoot for in order to comfortably walk away from your day job and remain retired. They are: Accumulate 25X your annual expenses Accumulate 20X your annual household income Be able to live off a 0.5% annual withdrawal rate Instead of viewing these retirement goals as at odds with each