June 2019 Best of the Web

New Reader? Get free regular updates from Can I Retire Yet? on saving, investing, retiring, and retirement income. New articles weekly. Join more than 18,000 subscribers. Unsubscribe at any time:

Each month we share the best resources we’ve found to help you save more, invest better, and retire sooner.

Popular topics are building wealth, DIY investing, creating retirement income, managing risk, and limiting your tax burden to enable you to use your money to build the life you want.

Early retirement frees up the time to ponder topics that tend to get neglected during careers. So while this is first and foremost a personal finance blog, we also share articles about traveling and seeking adventure, finding happiness, enhancing health, improving relationships, and finding meaning and purpose in life.

Before jumping into this month’s articles, I want to thank everyone who took the time to read and comment on last week’s post about the challenges of helping aging parents with their finances.

I normally try to respond to as many comments as possible, but I was traveling last week with spotty internet access. By the time I returned the comments were approaching 100, so replying was overwhelming. I did read every one. Thanks again to everyone who took the time to share your thoughts and experiences dealing with this important and often uncomfortable issue!

With that, enjoy June’s Best of the Web. . .

Retirement Income

Generating income in early retirement is challenging and it will be different for each of us. Physician on FIRE lays out a framework for thinking about this issue systematically with The Epochs of Early Retirement.

Typically the articles shared in these round-ups are things Darrow or I have read recently. However, I revisited an oldie but goodie that I felt would be useful to many when a reader sent an email asking how retiring early affects future Social Security benefits. Justin from Root of Good answers the question in great detail writing How Early Retirement Affects Social Security.

Owning Real Estate In Your IRA

After a successful one year experiment as real estate investors, my wife and I continue to entertain the idea of picking up a few properties for the long haul.

One option we’ve been considering is owning properties inside our IRAs where we have a lot of our assets tied up (as do many early retirees who are looking to increase income and investment returns).

So I read with interest when Darrow sent me the following selection from Jeffery Levine explaining Unique Planning Challenges Of Directly Owning Real Estate Inside An IRA.

More Retirement Account Planning Options

David Graham writes The Tax Planning Window and Partial Roth Conversions for “401(k) Millionaires”

Protect Yourself

The Security and Exchange Commission made changes this month that the agency says will help investors get advice more in alignment with their interests. Tara Siegel Bernard isn’t so sure, writing S.E.C. Tells Brokers to Work for You, but Don’t Skip the Fine Print.

Life After Financial Independence

J.D. Roth writes Beyond wealth: What happens AFTER you achieve financial independence?

Joseph Coughlin writes What Summer Vacation & Retirement Have In Common, And Why That’s A Problem.

Women and FIRE

FIRE continues to go mainstream. This month Charlotte Coles wrote in the New York Times For These Women, A FIRE That Burns Too Male and Too White.

One woman with an amazing story is Jillian Johnsrud. Her family’s unique path to financial independence with a large family was featured this month in a MarketWatch article and video.

Behavioral Finance

Having gone from a physical therapist to someone who writes about personal finance, I’ve noticed tremendous similarities between the two disciplines. In both, it is difficult to discern what to believe amongst a flood of conflicted information. Understanding and controlling your behavior play a huge role in your outcomes in both fitness and finance. Ben Carlson asks Which is Harder to Follow: Fitness Advice or Financial Advice?

A frequent contributor to our monthly round ups is Morgan Housel. This month he and his wife welcomed a new baby girl into the world. He wrote Financial Advice For My New Daughter. Housel’s thoughtful approach to behavioral finance makes him one of my favorite contemporary writers. This article makes me think he’ll be a pretty good dad as well.

Congratulations to the Housel family and best wishes to them and all of you for a great summer.

* * *

* * *

[Contributing Editor Chris Mamula used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design at Can I Retire Yet? Chris' writing has been featured in MarketWatch, Doughroller, Business Insider and RockStar Finance. He is also the primary author of the forthcoming book Choose FI: Your Blueprint to Financial Independence. You can reach him at]

* * *

Disclosure: Some links on this site, like the Amazon links, may be affiliate links. As an Amazon Associate we earn from qualifying purchases. If you click on one of these links and buy from the affiliated company, then we receive some small compensation. The modest income helps to keep this blog going. Affiliate links do not increase your cost, and we only use them for products or services that we're familiar with and that we feel may deliver value to you. By contrast, we have limited control over most of the display ads on this site. Though we do attempt to block objectionable content. Buyer beware.


  1. Glen Davis says

    So what might be interesting is the research into those portfolio management organizations that concentrate on portfolios that generate income whereby your taking the income and not selling portfolio assets for income. As an example you have $1,000,000 in investments now. How can that be oriented into income for income and not reinvestment. So could we make 4% a year or 40k available to tap into for the extra things we might like to do.

  2. David Treichel says

    Chris, just stumbled upon your article last year regarding the Christian health “insurance”. But couldn’t comment. Was interested in some feedback. I retired at 57 and continued my employers coverage after COBRA ran out. It currently costs $1525 per month for two of us. $3500 and $7000 deductible. It is HSA. Whereas it’s not cheap, the $18000 per year is tax deductible as I’m a part time Realtor in retirement, and I can also deposit $7000 into my HSA tax free. And certain preventative procedures are covered in full along with most prescriptions. Seems like it would be silly for me to walk away from United Health Care? Losing $1525 each month from a pension is not fun.. but it does seem like the best bang for the buck. Your opinion?

    • Chris Mamula says


      I don’t know that I have a strong opinion as these decisions are very personal. It sounds like you’re considering the right financial considerations. In addition to the financial side of the analysis, you need to consider your and your wife’s health status. I unfortunately don’t have similar options to stay on a group plan and my wife’s health status makes health care sharing ministries a non-option for us. Our options are to have one of us work enough to qualify for employer provided insurance (our current decision) or buying a plan through the marketplace. You may want to check out Darrow’s articles under “Health Care” in our index for further analysis. His situation is more comparable to yours as he and his wife have elected to continue to purchase insurance through her group plan rather than buy insurance on the marketplace or use a HCSM. Hope that helps.