Blogs
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The 4% Rule Rewrite (And What It Means For Your Retirement)
The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this [...]
Target-Date Funds: Pros, Cons & What You Need To Know!
Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice or just the easiest one? In this episode, Steve unpacks the pros, cons, and misunderstood [...]
Hiring Your Spouse & Kids: Big Opportunities and Costly Mistakes to Avoid
Today, we’re answering a smart question from a viewer about hiring a spouse or children in a family business. When structured properly, this strategy can create meaningful tax deductions, help a spouse build Social Security benefits, and even give children a head start on retirement savings. But if handled carelessly, [...]
Decoding Wall-Street Jargon: Financial Terms Everyone Should Know
Financial terms get thrown around all the time- crash, correction, high yield, equities, fiduciary- but do you really know what they mean, and why the wording matters? In today’s episode, Steve breaks down common financial terms you hear all the time, what they really mean and why understanding them could [...]
The Psychology of Money Says Your Emotions Matter More Than Math
Today, we’re kicking off our new Financial Book Club with The Psychology of Money by Morgan Housel. This isn’t just a book about financial strategies- it’s about the why behind the decisions we make with money, even when they seem irrational. In this episode, Steve breaks down four key themes [...]
Are You Over-Saving For Retirement?
Are you saving so much for retirement that it’s squeezing your life today? In this episode, Steve’s answering a smart viewer question about finding the right balance between preparing for the future and living fully in the present. Steve dives into Dennis’s situation: a high-income earner who’s maxing out multiple [...]
