Clicky

The Best Options for Investing an HSA

The vast majority of people with Health Savings Accounts (HSA) use them as pass through accounts for the tax advantages they provide. Most people defer taxation on their earnings by contributing to the HSA, place the money in a savings account, and later take it out tax-free for qualified medical expenses. The standard use of …

[Continue reading]

February 2018–Best of the Web

It’s time to explore the best items from the internet from the past month that will help you save more, invest smarter, and retire sooner. Volatility has made a return to the markets, which has a lot of people thinking about risk management. Risk management is easy to underestimate when planning your retirement. Yet poor …

[Continue reading]

A Closer Look at Using a Health Savings Account (HSA) to Save for Retirement

My initial introduction to Health Savings Accounts (HSA) came a few years ago. The Mad Fientist published an article titled “HSA – The Ultimate Retirement Account”. After reading his article I filed it away in the back of my mind. I didn’t have access to an HSA while working. Fortunately, I had highly subsidized medical …

[Continue reading]

What If You Can’t Retire Yet?

Can I Retire Yet? It is pretty safe to assume that if you are reading this blog you have an interest in answering that question. There are common themes that cause people to start asking. Many of us feel the tension of never having enough time for the things we want to do while working. …

[Continue reading]

January 2018–Best of the Web

I hope your year is off to a great start. We received some major publicity to start the year. Glen Ruffenach of the Wall Street Journal included Darrow among his favorite writers on retirement planning, placing him in very impressive company. Also, MarketWatch ran an edited version of my first post. Welcome new readers finding …

[Continue reading]

The Fundamental Problem With Retirement Planning

I recently read “The Personal MBA” by Josh Kaufman. The book describes universal principles that can be applied to any business. As a student of personal finance and retirement planning, I saw many parallels between business principles described in the book and principles of managing my own personal finances. I kept thinking of JD Roth’s …

[Continue reading]

5 Factors To Consider Before You Roll Over Your 401(k) To An IRA

During my working years, I invested regularly into my 401(k).  I chose to use my 401(k) to take advantage of the considerable tax benefits available to an early retiree. This consistent saving, combined with an incredible bull market over the last decade of my career, left me with a substantial balance in my 401(k) when …

[Continue reading]

Hello, I’m Not Mr. Money Mustache

I recently had the opportunity to sit down to dinner with a group of writers who focus on real estate investing and entrepreneurship. At dinner, I shared that I wrote about early retirement planning. I revealed that, at the time, I was a few weeks away from my own early retirement at the age of 41. After …

[Continue reading]

A Flexible Plan For Health Insurance In Early Retirement

Health care costs present a major planning challenge for a pending retiree. The earlier one would like to retire, the more daunting the challenge of bridging the gap to Medicare eligibility. America has the most expensive health care system in the world. Costs continue to increase far faster than the overall inflation rate. Retirees buying …

[Continue reading]

Conquer 3 Critical Early Retirement Challenges by Redefining ‘Retirement’

For the first decade of my adult life I was saving diligently while coasting through life with vague ideas that someday I could retire early. As my wife and I reached our mid 30’s, we paid off our home and saw our investment balances building. We realized early retirement may actually be a possibility. I …

[Continue reading]