Are High-Yield Savings Account Rates About to Crater? Yes. If the Federal Reserve follows through on the two additional rate cuts widely expected in Q2 and Q3 ...
My friend Marcus Rivera called me on a Sunday — always a bad sign — and asked whether his employer's new health plan offered an HSA or an FSA. "Does it matt...
Let me tell you about the most expensive math mistake of my career. April 2025. I am sitting in Jennifer Kowalski's office — she is a CPA in Portland who char...
Last April, I sat in my accountant's office at 9:30 AM on April 14th — literally the day before the IRA contribution deadline — and watched her face do th...
Last April, I sat in my accountant's office while she explained the backdoor Roth IRA to me. Fifteen minutes. Four hundred dollars. And honestly? She could have...
I will never forget the look on my dad's face at Thanksgiving 2023 when he realized he had been contributing to his traditional IRA for three years without actu...
My sister called me on a Tuesday evening in February, the kind of call that starts with "I have a quick question" and ends forty-five minutes later with both of...
My Dad Put Everything in His 401k for 30 Years — Then His Financial Advisor Said He Should Have Split It With an IRA Last Thanksgiving, my dad dropped a bom...
A post hit the top of Hacker News yesterday with the title “Create value for others and don’t worry about the returns.” It generated over 300 ...
On January 2nd, 2026, I did something that my friends called "unhinged" and my financial advisor called "actually kind of brilliant": I cut up my debit card, de...
I remember staring at my bank account with exactly $127 to my name, thinking investing was something only people in suits with six-figure salaries did. That was...
Every personal finance article about Roth vs Traditional IRA ends the same way: "It depends on your situation." Which is technically true and practically useles...