One of the most annoying questions I see on websites like Finance.Yahoo.com ask something like, “I have $5 million dollars, can I retire now?” It’s an annoying question because the answer is always going to be the same: it depends. If you have a $100,000/month shopping habit, then $5 million may not be enough to…
Category: Money Management
I’ve Been Busy Hoarding Electronics
If you’re wondering why I haven’t had a post in a few days it’s because I’ve been busy researching and shopping and hoarding. I’m also busy at work with the start of the new year but it’s the shopping that’s eating my free time. New Administration Unless you’ve been living under a rock, you know…
My Tax Plan for 2025
It’s December and I finally made some decisions around tax planning for 2025. As your income grows higher and higher, tax planning becomes a core part of your long term strategy. W-2 Income I decided to defer about 1/4 of my income for 2025 in the company deferred compensation plan and I will also be…
Inflation Still Out of Control
Something is going to break and I think it’s going to happen in 2025. I’m not sure when or what will trigger it but I can’t help but notice that inflation is still out of control. And by “break” I mean a large disruption to the normal flow of goods and services as things reset…
Buying EURO Currency Via FXE
The Euro is getting crushed by the dollar and I think it’s a great time to pick up some EURO currency. I wrote about hedging my investment portfolio a few days ago with Swiss currency and I’m now looking to buy Euros. The chart above shows FXE is at 10 years low from a high…
Stock Market Frenzy
It’s the dot com bubble all over again! I’ve spent a few days researching topics and opinions on Reddit and other social media and there is quite a bit of stock market exuberance. The S&P seems to be breaking all new highs on a daily basis, bitcoin broke $80000 this week and keeps climbing and…
XPAY, IRMAA, Medicare Premiums & AI
Does the title of this post have you confused? Well bear with me as I explain…. XPAY XPAY is a new ETF that does nothing more than give you your money back. If you invest $10,000 in XPAY, at the end of five years you’ll have gotten all your money back because it will give…
Order of Spend Operations: Taxable; Tax Free; Tax Deferred
Do you remember first learning the order of operations for a math problem such as 3 x (5 + 4) – 12 / 4 = ? The acceptable way to solve that problem is to add the parenthesis first then multiply by 3 so you get 27 then divide 12 by 4 to get 3…
Sold & Redeemed $50k of Bonds
I sold off $30k of bonds via an ETF I had, TLT, this week and that’s on top of the $10k bond that got called and another $10k that will get redeemed tomorrow. Suddenly, I’ve sold off more bonds in one week than I thought I would do but there’s a good reason for it…
AI: Using The Pareto Distribution For Investing
AI is starting to know me too well. I was working on fractal image generation related to something I was researching but my conversation with AI turned to finance as I had just asked AI about finance right before I started the fractal talk. AI suggested if i was interested in knowing how to leverage…