Better Financial Education

Look Beyond Absolute Wealth to Focus on Your Relative Wealth

 

 

 

 

Welcome 

Our focus ... to get you to, and through, retirement.

How to structure yourself so you may outlive your money.

How we see personal finance depends on what you want to do with your money and time. Our job is to help you become efficient and effective with both. Below is how you and I view money through the lens of what you are trying to do with it.

What is important to us is ... how do you see money? Everyone sees money differently, so the first thing is to be sure we understand you by narrowing the examples below to just those that are important to you. How this is done is described on the next page.

 
 
 The fundatmental question we help you answer: How do you accumulate, manage and ultimately live on your hard earned resources over your lifetime?
 
 
Website organization ...
 
The website pages are organized to help you answer the following:

 

1) The basic pages, like this one, cover the type of information you see "Above the Surface" a visual presentation of the topic.

2) The second type of page covers information in deeper detail and are labeled on this website as (BTS) for "Below the Surface" ... for more written details on the topic.

3) The third type of page provides the background and resources for those who want to learn more about the topic. Whenever you link to another website you are going deeper, by going to an outside reputable source, for a much better understanding of that specific topic (example: Featured Links page).

 

How we work together.

 
Calculators

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Lease Payment

How much would your monthly lease payment be?

Car Affordability

How much can you afford to pay for a car?

More Calculators →

Newsletters

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

Roth IRA Conversion Mistakes Can Be Costly

One popular way to fund a Roth IRA is by transferring assets from a traditional IRA or an employer-sponsored retirement plan. This type of transaction, called a Roth IRA conversion, is simple in theory but can be complicated in practice. If you make certain mistakes, you could lose some key advantages.

Consider Your Retirement Needs, but Don't Forget Your Retirement Wants

A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.

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