All Financial Questions
Return To One Goal:
Die With A Dollar™
 

Summary.
You Want To Die With Exactly $1.00 And Zero Physical Items. Every Personal Financial Question, Advice, And Decision Goes Back To This Goal.
 

• Start Now

Audience.
People Making ~$50,000 To ~$500,000 / Year. If You Make More Or Less, You Have Different Challenges And Advantages Not Addressed Here. Built For People With Zero Investing Experience. Useful For All.

Steps.
Learn Personal Finance 101 Today, Buy Better Stuff Tomorrow, Using Money You Invested Yesterday, To Die With A Dollar ... In 28 Steps.

Why.
+ I Don’t Want To Run Out Of Money When I Get Old.
+ I Don't Trust Someone Else With My Entire Financial Future.
+ I Don’t Want To Live In Crappy Nursing Home When I Get Old.
+ I Don't Want To Pay Someone ($) To Organize My Finances.
+ I Don’t Want My Kids To Pay For Me When I Get Old.
+ I Don't Trust My Government To Pay For Me When I Get Old.
+ I Don't Want To Wait And Become Too Old / Stupid To Do It.
+ I Don't Want To Wait And Miss Out On Compound Interest.

Experts.
Why Didn't My Financial Advisor, Reddit, Or Family Expert Tell Me This?! ... They Are Not Approaching Money Using First Principles.

Principles.
+ Make More Than You Spend.
+ Track Monthly Cashflow.
+ Save For Emergency.
+ Invest For Future.
+ Die With A Dollar.

Optimization.
Your Emotions Will Overrule Perfect Financially Optimized Solutions ... Like Credit Card Points. Everyone Tells You To Use Credit Cards, Pay Off Monthly, And Get Free Points. You Will Subconsciously Spend More, Offsetting Any Added Points. Everything Here Is Optimized For Humans, Not Robots.

Inspirations.
How Is This Different Than Bill Perkin's Book Called "Die With Zero"? Big Gives Big Picture Concepts To Follow ... Which Are Excellent! I Get Dirty, With Real Steps And Tactical Things To Do. Follow The Steps. Die With A Dollar. Just Want Get Inspired And Do Nothing ... Go Read His Book.

Legend.

Outcome.
+ I Want To Control My Finances And Investments.
+ I Want To Invest Starting Today.
+ I Want To Know What Type Of Accounts To Invest.
+ I Want To Know What Type Of Accounts I Should Invest In First.
+ I Want To Know Priority Of Investment Accounts Vs. Savings.
+ I Want To Know What Types Of Investments Exist.
+ I Want To Know General Risk vs Reward For Investments.
+ I Want To Know General Tax Impacts For Today And Future.
+ I Want To Know Credible Sources When Reading This Site.
+ I Want To Know Basic Investment And Cashflow Stuff.
+ I Want To Know My Target ($) Savings Amount.
+ I Want To Know What Age I Can Quit My Job.

Credibility.
I Am Rocket Scientist, Family Man, and Idea Accelerator. Now Internet Blogger. Ugh.

Liability.
I Am No Financial Advisor. I Take No Responsibility. Read Disclosure You Wonderful Human. You Have Been Warned.

Warning.
Some Steps Are Fast And Easy. Some Steps Appear Stupid. Some Steps Will Take Minutes, Others Weeks, And Others 3x Cups Of Coffee. Don't Waste Your Time Reading Ahead. Big Picture Gameplan Is Here For You Curious Folks. Trust The Process.

Cost.
No Fees. No Commissions. No Bullsh*t. Tell Others If You Like It. Donate For Bonus Points.

Action.
Read 28 Steps Below.
Do 28 Steps Below.
Die With A Dollar.

This Journey Is Designed To Be Easy. Jump In Now And Just Do It. Avoid Your Analysis Paralysis. 🔥This Philosophy Acknowledges Human Emotions Conflict With Perfectly Optimized Financial Solutions. This Is About Actionable Steps Over Clickbait Concepts Or Fun Self Improvement Financial Books. Little Inspiration Here. Results Oriented Only.
 

Download Spreadsheet. Works For PC And Mac. You Can Build It Yourself If You Don't Trust The File. Spreadsheet Gets Downloaded To Your Computer, And You Can Update It Online/Offline. Huge Time Saver.See The Timer Below? You Can Get To Step #5 ... In Next 60 Minutes. Analysis Paralysis Or Get Sh*t Done? Your Choice. 🔥
 

Easy Answer Is 100 Years Old.You Can Always (And Will) Come Back Later To Evaluate. You Need Less Money If You Die Earlier.You Can Try This Death Age Calculator For A Better Guess. Average Life Expectancy Is Age 75 (Men) And Age 80 (Woman). 🇺🇸Remember To Use Spreadsheet To Input, Track, And Keep Notes. Timer Is Ticking. Let's Get Some Real Sh*t Started Next.
 

Cashflow Is Money Coming In And Money Going Out. Nothing Fancy.Go Estimate Your Three (3) Major Cashflow Items. Use Spreadsheet To Make Your Life Easier.This Requires Actual Work. Go Look At Your Banking Accounts, Credit Cards, And Any Account Where You Get Or Give Money ... Except Your Investment Accounts (401K, IRA, HSA).It Doesn't Have To Be Perfect. Just A Rough Number. We Will Refine This In Step 6.Estimate Your Monthly Items Now. 🔥 INCOME  = Total Cash You Get Every Month (i.e. Job), After You Get Taxed And Work Benefits ... Deposited Into Your Bank Account. Easy. Read Your Bank Statement, See What Last Week's Paycheck Was. Write Down Your Total Monthly Income In Spreadsheet Now. BILLS  = Total Cash You Spent On Non-Flexible Items, That Happen Every Month ... Mortgage, Rent, Heating, Gas, Electricity, Water, Trash, Internet, Cell Phone, Car Loan, Student Loan, Daycare, Insurances, Gym Membership, Pet Food, And Netflix Subscription. Include All Subscriptions. Those Are Bills. SPEND  = Total Cash You Spent On Flexible Items, Things You Can Buy More/Less Each Month ... Food, Gas, Home Supplies, Restaurants, Hobbies, Haircuts, Home Repairs, Decor, And My Favorite ... Random Amazon Sh*t. Amazon Is Santa For Adults. 🔥
 

 

 

Danger

What Happens If My  BILLS  +  SPEND  Is More Than My  INCOME ?

 

Pause.

 

Houston. We Have A Problem.If You Are Off By Only ~$100 Dollars, You Are Fine. This Will Get Fixed Quickly.If You Are Off By ~$1000 ... Recommend You Pause And Just Read. You Are Not Ready To Implement Step #5. You Need To Pause And Understand Why Your  BILLS  +  SPEND  Are Wildily Higher Than Your  INCOME . Once Your Understand That, Then You Can Move Forward.

 

Surprise! Having Difficulty With These Rough Estimates!? That Is Okay. Die With A Dollar Is Going To Fix That. You Will 100% Know Where Your Money Is Going Each Month, Without That Much Energy Or Silly Budgeting Apps. Amazing Things Are About To Happen.
 

You Came Here To Learn Investing, And Now You Think I Am Taking Away Your Starbucks. Wrong. Go Full Triple Caramel Frappuccino For All I Care. Calories And Diet Be Damned.You Gotta Prove You Have Cash Leftover Every Month To Save (Invest) In Your Future. If You Are Spending More Than You Make Every Month, You Will Fail With Investing.In Step #3, You Estimated Your Monthly Cashflow Into Three (3) Categories For  INCOME ,  BILLS , and  SPEND . We Will Now Prove Those Numbers, Automate Your Cashflow, And Find Leftover Dollars For You To Invest Successfully!

 

 

Tip

Which Budgeting App Should I Use?

 

None.

Apps Will Not Help. You Will Spend 10 Hours Picking The Best One, Linking Your Bank Accounts, Fixing Small Issues ... And Then Waste A Month Tracking Expenses, Making You Feel Super Sh*tty About Your Spending.We Have Tried Them All. They Feel Good For A Week, But Don't Actually Change Your Life. This Includes MINT, ROCKETMONEY, EMPOWER, SIMPLIFI, TILLER, QUICKEN, MONARCH, COUNTABOUT, YNAB, POCKETSMITH, And COPILOT.We Won't Even Hyperlink Them ... That Is How Much We Recommend Not To Waste Your Time. 🐈You Are Going To Revolutionize Your Income And Spending In Step #5 And Then Really Rock Out On Step #7. Hang In There Champ.

 

One Day You Will No Longer Be Able To Work Either Physically Or Mentally, But You Will Still Be Alive. You Will Need To Either Have Money To Pay For Yourself, Married A Billionaire, Or Hope Government Pays For You. Let's Assume You Want To Pay For Yourself.You Can Do This The Easy Way Or Hard Way.Easy Way Is Save Money, Invest It, Make 5% Yearly Gains, And Have A Ton Of Money Later On. The Hard Way Is Just Saving Money.If Your Parents Put $1 In An Account, And Invested It Until You Turned Age 65 ... With 5% Interest ... You Would Have $23.84 ... By Doing Absolutely Nothing! 🇺🇸Do You Want $23.84 Dollars (Easy Way With Investing) Or $1 Dollar When You Can No Longer Work? Master Your Spending First, So You Can Find Leftover Cash, To Invest It, And Make $23.84 From Every $1 Dollar Today (Plus Or Minus Some Based On Your Age And Choices).
 

 

 

Danger

When Does This Get Hard?

 

Step #5.

 

Next Step Sucks. It Is Overwhelming, Scary, And Lots To Do. Absolutely Hardest Step For Die With A Dollar.Read It First, Then Just Do It.There Are No Serious Downsides (See Disclosure) ... But Incredibly Life Changing Upsides (See Outcomes).You Will Open Three (3) New Free Checking Accounts, Automate Your Cashflow, And Discover If You Actually Earn ( INCOME ) More Than You Spend ( BILLS  +  SPEND ).And If You Don't ... That Is Okay! System Allows You To Immediately Fix It, Versus Budgeting Apps That Make You Feel Like Sh*t.We Also Have Safety Pads So You Don't Accidentally F*ck Up Your Finances.Most People Give Up Here. Are You Like Most People?

 

Let's Get To Step #5. You Estimated Your Monthly  INCOME ,  BILLS , and  SPEND  In Step #3 ... And Learned Why We Tackle Spending, Before Investing In Step #4.Now We Will Discover Your Actual Cashflow Numbers In Step #5.

If You Are Single, Quick Comment And Then Move To Step #5.If You Are Not Married, You Should Absolutely Never Have Joint Bank Accounts. That Person Can Easily Empty Your Joint Banking Accounts (Or Credit Card), Run Away, With No Legal Outcome, Leaving You Broke.Understandably, You May Want To Have Joint Bank Accounts ... Because Marriage Isn't For You. Maybe You And Your Partner Have Been Hanging Out For 20+ Years. Also, Some USA States Won't Legally Let You Get Married Which Sucks. Understood. Just Be Highly Careful, Because There Is Simply No Legal Consequences If Sh*t Hits The Fan With Your Significant Other. Any Joint Account, They Can Empty And Walk Away. You Have Been Warned.Single People ... You Are Now Ready For Step #5.Married People ... Your Turn. Next Paragraph Talks About Team Sport For Finances. That Is You And Your Spouse. You Are In It Together.If You Are Married, You Are Legally Sharing Money With Another Person. Better Or Worse, Step #5 Requires You Both To Be On Board. Your Spouse Doesn't Need To Be 100% Into This System, But They Need To Be Mostly Into It.Step #5 Is Designed And Can Be Modified Easily To Address Many Hesitations / Concerns From Your Spouse.You Will Be Modifying Your Daily Spending Practices, Long Term Savings, And How You Pay Bills (Slightly). You Will Change What Debit / Credit Cards Go In Your Wallet, Where Money Is Stored, And Auto-Transferring Your Income(s) To Single Bank Account.You Are Going To Gain Control Of Your Finances. Most Hesitations / Concerns Arise Due To Lack Of Control From Your Spouse ... Their Money Is Moving Around! Scary! Be Patience. Ask Them To Read The Website And Goals.Single Biggest Concern Is Having Joint Banking Accounts, If You Don't Already. See Danger Box Below For Details.There Are Options To Still Have "Separate" Personal Checking Accounts In Step #5 ... But Everything Else Is Very Co-Mingled.
 

 

 

Danger

Should I Have Joint Banking Accounts With My Married Spouse?

 

Yes.

 

If You Get Divorced, Your Money Gets Split 50% / 50%. Every USA State Is Different For Percentages (Maybe 40% / 60%) And Depends On Kids Too. 🐈Step #5 Includes Options To Still Have (Some) Split Checking Accounts, For Personal Security Reasons ... Basically In Case You Think Your Spouse Is Going To Empty Every Bank Account, And Then Run Away With A Divorce. 🐈Your Life. Your Rules. If Everything Gets Split 50/50 In A Future Divorce (Including Your Retirement Accounts) ... It Is F*cking Untrustworthy To Intentionally Separate Your Married Bank Accounts.There Are Edge-Case Examples For Taxes Where This May Make Sense, Or Full Human Brain Emotional Reasons (We Are Not Robots) To Keep Finances Split.Either Way, Step #5 Will Join 90%+ Of You And Your Married Spouse Bank Accounts ... With Option And Security To Have 1x Separate Account Each, In Case Your Spouse Runs Aways With All Your Joint Money.

 

Now We Can Move To Step #5.
 

This Big Step Requires Quick Overview To Understand Your Start And Finish Line.Overview

End.That Is The Simple Version. Let's Actually Go Do This Now, Along With Lots Of Tips And Tricks.
 

 

 

Danger

Will Opening New Checking Accounts Hurt My Credit Score?

 

No.

 

This Will Not Impact Your Credit Score. Both USA Government 🇺🇸 And Reddit 🐈 Say Nothing Happens.Related Warning For Those Buying A New House Soon.You Must Start Die With A Dollar If You Are Buying A House, Because May Be Biggest Purchase Of Your Life. You Are Nuts To Commit 30 Years Of Your Life (Even 7 Years To Maybe Breakeven) Before Doing This Process.But! If You Already Picked Out The House, Buying Something Tomorrow, Then Don't Start This Process. It (Still) Won't Hurt Your Credit Score ... However It Will Just Cause You Headaches On Your Final Paperwork, Your Mortgage Provider Will Want Tons Of Extra Paperwork, Because They Will Freak Out About Huge Changes In Your Finances.Fun Fact. You Want Huge Changes. You Just Don't Know It Yet.

 

This Will Take You About 30-90 Days ... Which Sucks. Why?First Is Banks And Your Employer Are Slow At Making Financial Changes, Shipping Debit Cards, And Setting Stuff Up.  It Just Takes Time.Second, You Need To Actually Spend Money, Track Down Surprise Bills You Forgot About, And Discover Some Small But Incredibly Important Flaws In Our Current Three (3) Account System ... We Will Tell You Them Now, But You Won't Understand.You Actually Need 10-20x Total Free Checking Accounts. Dead Serious. But You Are Not Ready Yet. You Absolutely Want To Start Simple With Just Three (3) Accounts. If You Can't Do 3x Accounts, You Definitely Cannot Handle 17x Accounts In Step #7 And Step #8.Just Do Our 3x Account System Below For The Next 30-90 Days. Then Graduate To ~17x Accounts Later. You Will Thank Us.We Will Open This Door Again In Step #5 (Q) Below.You Ready To Transform Your World?

 

 

Tip

What High Yield Interest Checking Account Should I Pick?

 

Doesn't F*cking Matter.

Don't Worry About Interest Rates. It Will Just Slow You Down Today. Do It Later. Best Interest Goal Is ~5%. 🐈 Make Sure They Are 100% Free Checking Accounts. No Hidden Fees. No Withdrawal Fees. No Automatic Deposit Fees.Looking For List Of Banks? Ally, Chase, Discover, Allianz, Or Local "Credit Union" Are Easy Options. 🐈 Ally Gets Lots Of Internet Points. 🐈. Ultimately All Of Them Have Some Issues ... Don't Crash Your Progress By Analyzing Banks.Very Important! Make Sure You Get Physical Debit Cards. You Will Be Using Them In Step #6.

 

 

 

Tip

How To Speed Up My Employer Request To Auto-Transfer My Paycheck To New  INCOME  Account?

 

Tell Them Old Account Is Closed.

Tell Your Finance And/or Human Resources That Your Old Bank Account No Longer Exists ... This Will Expedite Your Request, Dramatically.Your Company Will Take Weeks To Process These Types Of Requests, And You Want It Tomorrow.Your Employer Will Quickly "Figure It Out."

 

 

 

Danger

What To Do About Bills With Outstanding Balance (Cannot Pay Off In Full To Zero $0)?

 

Stay The Course.

 

Lots People Have Bills Where They Are Making Minimum Payments. Just Keep Doing What You Are Doing.Electric Bill With $300 Balance And Minimum Payment $200 ... Pay Whatever You Paid Last Month!Credit Card With $1000 Balance And Minimum Payment Is $47 ... Pay Whatever You Paid Last Month!Student Loan With $50,000 Balance and Minimum Payment Is $659 ... Pay Whatever You Paid Last Month!Let's Get System Working And Then Talk About Paying Off These Debts/Loans.

 

 

 

Tip

Do You Have Multiple People Wanting To Use Same  SPEND  Debit Card For Daily Spending?

 

Easy.

Call Your Bank, Ask Them For A "Duplicate Card" With Same 16x Numbers. Depends On The Bank. They May So "No" For Fraud Reasons.Next Best Option Is A Second Debit Card (With Different Front 16x Numbers). Goal Is To Have Money Get Reduced All From Same  SPEND  Account. You Will Request "Adding An Authorized User." 🐈Remember ... You And Your Spouse Could Share 1x Card. Retailers Don't Check First/Last Name On Cards. If You Or Your Spouse Hit An Issue During Swiping, Just Whip Out  CREDIT  Card ... And Immediately Pay It Off That Afternoon.

 

 

 

Danger

What Happens If I Miss  BILLS  Payment?!

 

Nothing.

 

Surprise! Terrified You Miss An Electric Bill Payment And Your Lights Get Turned Off? They Won't.Ideally, You Did Your Homework, Looked Up All Your Bills, And Set Them Up To Autopay.Mistakes Happen. Maybe You Forgot About Paying Your Winter Boat Storage Facility Guy (Wow, Good For You) ... They Are Not Going To Burn Your Boat.Catch It, Fix It, And Move On! And Your Credit Score ... You Will Be Fine.

 

 

 

Tip

Are You Ready To Spend Less Than Your Auto-Transfer From  INCOME  To  SPEND  Next Month ($2000 / Example)?

 

Yes.

This Is Not A Budget. Budgets Fail. You Are Not A Failure.Remember? That $2000 (Example Only) Was What You Normally Spend Each Month. You Picked It Out In Step #3!You Have $2000 To Spend Next Month For All Your Food, Gas, Restaurants, Liquor, Movies, Amazon, And New Pair Of Shoes!Step Back. Reflect. It Was Enough Last Month, Make It Enough This Month.Tip. Try To Go Easy On Your Spending In The Beginning Of The Month. Push Out Gas Refill Until Tank Empty. Push Out Your Huge Costco Run Until Day 15.It Feels Awesome To Have Cash At End Of The Month!

 

 

 

Danger

Why Did My Bank Auto-Transfer Money On August 3, Instead Of August 1?

 

Banks Suck.

 

Some Banks Will Not Transfer Money On Exactly August 1st ... If August 1st Is Weekend Or Holiday. Seriously?!This Is Why Our  BILLS  Is Setup To Pay People Starting August 5 ... Just In Case Transfers Don't Happen Until August 2-4.Same Story With SPEND Account, However You Have Full Control Over Your Daily Spending ... And Will Just Need To Wait One More Day If You Blew Through All Your Cash For The Month.

 

 

 

Danger

Should I Close My Old Bank Accounts And Old Credit Card Accounts?

 

Yes.

 

You Will No Longer Need Your Old Checking, Savings, And Credit Card Accounts (Except For 1x  CREDIT  Account).Make Sure You Are Cool With System, And Then Go Close Them.This Does Not Include Retirement Accounts (401K, IRAS, HSA, And More)! We Haven't Talked About These Yet. Don't Worry If These Words Don't Make Sense Yet Either. They Will Soon.

 

You Did It!Only 10% Website Visitors Completed Step #5 According To Google Website Analytic Tools. Congratulations.That Sucked ... Like Running Up A Mountain. Now You Are At The Top. Seriously, Everything After This Is Fun.You Have Built Financial Foundation That Will Be Upgraded Now, So You Don't Need To Worry About Cashflow. Plus We Will Setup Emergency Funds And Long Term Goal Savings.Then It Gets Really Fun ... And We Dive Into Investing.
 

Look Over Your Last Few Months Using System. Need To Make Sure You Actually Have Leftover Cash (Surplus) Each Month Before Investing.Does Your  INCOME  Exceed Your  BILLS  +  SPEND ?What Is Your Cash Surplus (Leftover Cash) From Above Calculation?If Yes, Let's Move On To Step #7, Where We Fix Issues With Our System With More Free Checking Accounts.If No, That Is Okay. Here Are Quick Ideas. You Can Still Move To Step #7. But Really Start Thinking How You Will Fix This.These Ideas Are Listed Easiest To Hardest, Based On Actual Human Habits And What Will Actually Move The Cash Surplus Needle.

Let's Go Open 17+ Free Checking Accounts To Upgrade Our Monthly Cashflow System, To A Ruggized Unbreakable Lifelong Cashflow System.This Will Actually Be Fun ... Because You Are Taking Control.
 

Have You Discovered The Long Term Issues With This 3x Free Checking Account System? Hint: Already Told You In Step #3.

More Free Checking Accounts!? Yes. Super Easy. All Hard Work Is Done Already In Previous Steps. Now We Just Tweak And Upgrade.We Will Open Actual Accounts In Next Step #8. Right Now, Let's Think About What New Accounts We Actually Need.

Skip To Step #8 If You Are Good. Detailed List With More Information And Example Dollars Found Below.Remember.  INCOME  Is Where Income Always Goes First. Then  INCOME  "Pays" All Other Accounts Like  BILLS ,  SPEND ,  INVEST , And  EMERGENCY  By Auto-Transfer On First Day Of Each Month (i.e. August 1).

Have A Gameplan Which Accounts You Want To Open Up And Amount ($) Money You Will Want To Auto-Transfer.Let's Go Open More Accounts In Step #8.
 

Time To Open Accounts.Login To Your Bank, Open More Free Checking Accounts, And Use Your Improved List Of Accounts To Setup Auto-Transfers.That Is It.All Your Hard Work Earlier Is Paying Off ... Making Your Life Easier.
 

Make Sure All Accounts Are Setup, Not-Overdrafting, And Fully Automated.If No Longer Need An Account, Keep It Open. Just Sent Auto-Transfer To $0. Double Check There Are No Account Minimums For Your Free Checking Accounts.Use Spreadsheet To Calculate All Your Auto-Transfers.Make Sure Your  INCOME  Is Still Greater Than All Your Auto-Transfer Accounts To Confirm Cash Surplus Still Exists.Ideally Cash Surplus Is $5-$10 Every Month ... And Just Builds Up In  INCOME  Account. If It Is Larger $10+, Assign Those Dollars To Accounts Or  LEFTOVERS .
 

Let's Define Retirement.
 

Retirement  ... Is A Financial Status Achieved When You Can Live Your Current Lifestyle Without Needing To Actively Make Money Because You Either A) Saved Enough Money To Pay For All Your Future Expenses Until The Day You Die ... Or ... B) Saved Enough Money And Invested It, So That Your Saved Money Plus Your Investment Returns Is Sufficient To Pay All Your Future Expenses Until The Day You Die.
 

Why Is Retiring Hard?Why Do So Many People Plan To Retire At Age 60 ... And Then Keep Working For Another 5+ Years?!Life Happens. Retirement Is Complicated. Complicated Things Make People Doubt Themselves. People Get Worried They Don't Have Enough Money. Plus ... They Don't Do Their Homework (i.e. Die With A Dollar). They Get To Age 60 And Are Surprised.Let's Fix That Now.Many Crazy Changes Happen To Your Finances Between Age 50 And Age 70. These Changes Greatly Impact Your Income And Spending.What Are These Changes?
 

Do You Even Want To Retire? For Many People Answer Is "No."Goal Is To Be Financial Independent From Your Job, Even If You Love Your Job. If Things Go Sideways, New Boss Shows Up, Company Vision No Longer Aligns With Your Ethics ... We Want The Option To Walk Away.We Choose To Work On What We Want, Where We Want, And When We Want. That Is The Goal. This Is "Retirement."No Action Yet. Let's Pick Our Retirement Age Next (Step #11) And Then Predict Our Future Cashflow (Step #12). Step #12 Is Where We Dive Into All These Changes Above.Remember To Keep Using Spreadsheet To Track All Your Financial Die With A Dollar Progress. You Will Need It!
 

Age 70.That Was Easy.Age 70 Is Not Ideal. Starting With 100,000 People Today, Only 66,732 People Will Live To Age 70! Correct, 23% People Will Die Before Age 70. 🇺🇸 Why Not Say F*ck It And Spend All My Money Today!?You Must Start Somewhere. Age 70 Is The Best Age To Retire Simply Due To Maximum Social Security Benefit, Many More Years Of Income Working, While Still Having Hopefully Many Years Left To Live.You Will Return To Step #11 After You Complete Die With A Dollar!Do Not Stress Out About Age 70. Goal Is To Retirement Tomorrow ... Age 35, Age 40, Age 50 ... Whatever. Die With A Dollar And Your Work Will Get Your There.Process Is Working And You Made It This Far. Trust The Process.Age 70. Come Back Later And Reduce It, When You Understand The Full Process, Full Math, And All Factors. Bad News ... Your Math May Show You That You Cannot Even Retire At Age 70 (Yet).Let's Continue And Do Great Things.
 

Open Your Spreadsheet.This Is Easiest Manner. Hopefully You Are Following Along Inside The File And Updating As You Work Steps #1 - #11.If You Have Not Already, Update Spreadsheet With Current Monthly Cashflow ... That Is All Your Current Free Checking Accounts With Line Items For Each Income / Expense.Let's Add What We Think "Tomorrow" Will Cost.Our "Tomorrow" Literally Starts Next Year ... Until Day You Die You Chose In Step #2.This Will Take Time ... However Incredibly Powerful. You Could Get Hit By A Bus Tomorrow, Be Handicapped Forever, And Win Free House. No One Knows.Take Your Best Estimate For All Future Incomes And All Future Expenses ... More Detail Now, Ultimately Means Less Money You Need To Save Up To Retire (Because You Know What Things Cost).Many People Skip This Step In General As They Get Close To Retirement. Boom! Then They Try To Retire And Shocked / Uncertain How Expense Getting Old Can Be! Then They Get Scared And Keep Working, Losing Precious Time While They Are Still Healthy.Here Are Major Items (Covered In Spreadsheet And Previous Step #11) With Links To Think About.

This Will Sound Obvious.How Much Money Do You Need Today, To Live Until You Die, Maintaining The Same Lifestyle?We Call This Your "Lottery Ticket." Your Lottery Ticket Amount Actually Decreasing Every Day. Tomorrow Lottery Ticket Is Less Than Today. But It Is More Complicated Than That.Here Are Things That Impact Your Lottery Ticket Amount.Let's Explore.
 

Lottery Ticket Is EXACT Same Thing As Your Retirement Savings. Only DiffereHere Is Additional Diagram Explaining Our Big Picture Lottery Ticket Concept Below.
 

PLACEHOLDER IMAGE
 DIAGRAM OF HOW COINS ARE REDUCED TOTAL OVERTIME AS WE AGE NEEDING LESS LOTTERY TICKET AMOUNTS
ADD DOWNLOAD PDF LINK TOO

We Will Soon Calculate Your Lottery Ticket Amount In Step #15. But First, Let's Figure Out How We Can Start Saving For Our Big Dreams Today ... So We Can Have Them Tomorrow, And Not At Age 70.
 

Time To Save For Our DREAM Accounts.We Setup 3x Free Checking Accounts In Step #7 And May / Not Have Starting Funding These Dreams. Let's Double Check We Have Established Your Dreams.Retirement Starts Today. You May Not Want To Ride Jetski When Age 70 ... Let's Make It Happen Tomorrow.If You Have Already Defined, Auto-Transferring, And Saving Towards These Dreams ... Move To Next Step. If Not, Update These Goals And Figure How To Make It Work With Your Current Cashflow.
 

Try To Keep These Dreams Big But Realistic.Double Check You Are Still Running Cash Surplus Every Month. Remember. That Means Your INCOME Is Greater Than All Your Other ACCOUNTS Combined.
 

Time To Calculate Our Lottery Ticket Amounts. We Will Combine Our Today Monthly Cashflow (Step #7) With Future Monthly Cashflow (Step #12 with Step #14 Updates).Open Your Spreadsheet For Easy Calculations. Everything Should Be Linked Up Nicely From Previous Steps To Output Your Lottery Ticket Amounts.Wait ... Lottery Ticket Amounts? Like Multiple?!Remember We Have Today Lottery Ticket Amount ($$$$$), Tomorrow Lottery Ticket Amount ($$$$), Next Year Amount ($$$), And ... 30 Years From Now Retirement Amount ($$) ... and Then Super Old ($) ... Finally Only Needing One Dollar The Day We Die ($1).Spreadsheet Is Powerful Since It Updates Automatically When You Change Your Lifestyle Spending (Add Netflix Bill) And Income (Get Promoted).Lottery Ticket Amounts Are Literally Changing Every Day/Month ... Which Is Why It Is So Confusing.Your Takeaway.You Want To Know How Much You Need To Retire Today ... And How Much Your Goal Is On Retirement Day.The Day When All Your Cash Savings, Retirement Accounts, And House (See Note Below) ... Is Greater Than Your "Today Lottery Ticket" ... Is The Day You Never Have To Work Again.Go Do The Math In Your Spreadsheet.
 

Big Section.We Are Finally Going To Talk About Investments!This Is Investment 101 Crash Course Covering Everything From Basic Investment Definitions, Different Investment Account Types, And How Taxes Work.All Readings Are Summarized Into 1-Page Cheatsheet For Investment Accounts Which Helps Bring It All Together.
 

• Download Cheatsheet For Investment Accounts (PDF)

Highly Recommend Downloading 1-Page PDF After Reading Below ... Otherwise Cheatsheet Will Be Overwhelming.We Will Cover These Areas.

We Will Not Talk (Yet) About What Investment "Vehicles" To Buy Until Later ... Things Like Stocks, Bonds, Mutual Funds, Cryptocurrency, And Real Estate.Let's Start With Investment Definitions. There Are More Conflicting Investment Definitions That Types Of Investments Out There!Here Is Our Standardized Approach For Entire Die With A Dollar.

Those Are Our Key Words.Let's Continue With Different Types Of Investment Accounts. There Are More Than This ... But This Is A 95% Good Enough List Which Will Cover Almost Everything.We Will Introduce New Highlight Color To Signal Difference Between Our Free Checking Accounts And Our Investment Accounts.Our Free Checking Accounts Are Highlighted In Green Text.

Our Investment Accounts Will Be Highlighted In Blue Text Now.

Investment Accounts Are Same Thing As Free Checking Accounts ... With Just Lots More Rules, Laws, Abilities, And Taxes.You Can Open And Close Investment Accounts Whenever. You Open Them At An "Institution" Like Bank, Brokerage, Or Unlicensed Dude On Street Corner (Not Recommended). If You Open At A Bank, That Bank Is Also Called A Brokerage. Money Goes In And Money Comes Out Of Investment Accounts. Nothing Complicated (Yet).Big Difference Is Investment Accounts Have Different Tax Laws. United States Government Has Different Tax Rules For Your "Contributions", "Earnings", And "Withdrawals."Other Big Difference Is You Cannot Go Buy Apple Stock (AAPL) With Your Free Checking Account. You Can With These Investment Accounts Below.Note That Different Investment Accounts, At Different Institutions Have Very Different Things You Can And Cannot Buy. For Example, Many Investment Accounts Only Give You ~10x Options For Your "Vehicles" (i.e. 401Ks) ... Or Will Not Let You Buy Bitcoin.If Your Sh*t Ain't Here, You Are Either Rich And Aren't Reading This ... Or A Genius With Something Crazy Cooking In Some Weird Investment Account.Lots Of New Stuff Coming At You, Remember All Of This Is Summarized In Our Cheatsheet.
 

• Download Cheatsheet For Investment Accounts (PDF)

Married People Have Option To Have Some Investment Accounts For Each Person. The "Account Holder" Is Indicated Below With (YOU) And (SPOUSE). This Is Really Important To Understand Both Married People Can Have Investment Accounts So You Can Maximize Your Advantages!Investment Accounts Generally Work By Letting Each Person Have Their Own Accounts ... With Few Or No Options For Joint Accounts Like Banking Checking Accounts.People That Are Not Married Can Ignore (SPOUSE) Accounts.

 

 

Tip

Do Maximum Contribution Limits Apply To Each IRA, All Combined IRAs, And/Or Different Maximums For TRADITIONAL And ROTH IRAs ... And What About My Spouse/Spousal Accounts?!

 

Each Person Has $X,XXX Maximum Amount Each Year That Can Be Added To All Their TRADITIONAL IRA(s) And ROTH IRA(s).

United States IRS Website Says It Best Here 🇺🇸. The Maximum Contribution ($X,XXX) Is Different Depending On Lots Of Factors.There Are Lots Of Fun Rules, But It Is Simple For Most People. Your Maximum Is $7,000 (2024) Contribution In All Your IRAs.Each Person Can Only Add $7,000 To All Their TRADITIONAL IRA(s) And ROTH IRA(s) In Their Name. You Can Put $1,000 Into 3x TRADITIONAL IRAs, $2,000 Into 2x ROTH IRAs Which Totals $7,000 For Example In 2024. Plus You Could Add Another $7,000 To Your Spouse Account(s). Therefore For A Married Couple, You Are Saving $14,000 / Year Total.This $7,000 Is The Actual Dollars Going Into Account. That Means It Does Not Matter Pre-Tax Or Post-Tax Dollars. Just $7,000 Total Going Into Those Accounts.If You Want To Add More Money To Your IRAs, You Can With Additional Fees/Taxes (So Don't Do It).. If That Person Wants To Add Money To Their Spouse TRADITIONAL IRA And/Or ROTH IRA, They Can Too ... But Remember, Their Spouse Cannot Exceed Own $7,000 Maximum In All Their TRADITIONAL IRAs And ROTH IRAs Too.There Are Different Rules If You Are Age 50+ And Maximum Contribution Increases To $8,000 In 2024.There Are Different Rules If You And/Or Spouse Make Too Much Money Too ... Generally Limiting Your Maximum Contribution To Less 🇺🇸. This Limits Kicks In Around $230,000 Total Pre-Tax Income, But See IRS Website For Details.Lastly, These General Guides Above Are Different For IRA SIMPLE And IRA w/ SEP PLAN ... So Go Read IRS Website For Details 🇺🇸

 

Tax Time.Third And Least Fun Is ... Investment Taxes. This Sucks.People Who Plan Ahead, Save For Years, And Are Making Good Enough Money ... Can Often Fail Predicting Their Retirement Age For Three Reasons.First Is They Do Not Accurately (Or Even Try) To Predict Their Future Monthly Spending. Congrats. You Already Did It Step #12.Second Is They Do Not Understand Lottery Ticket Amounts, And How Their Retirement Goal Amount Of Money Changes Every Day, Month, And Year! Congrats. You Already Did It In Step #15.Third Is They Do Not Understand Taxes. Lets' Fix This Now For You.Investment Taxes Are Just ... Complicated. We Will Attempt To Describe Below. Better Way To Understand Is Quickly Read Below, Hit Your Head Into The Wall, And Then Download Our Cheatsheet For Investment Accounts.Cheatsheet Outlines How Each Investment Account (401K, IRA, Roth Variants, HSA, 529 Plans) Are Impacted Differently By Different Taxes.Taxes Dramatically Impact How You Contribute, Earn, And Withdraw Your Investment Money.Let's Discuss Different Types Of Taxes You Pay When Investing.

 

Example

What Is Total Income Tax For $100,000 Single Person In Minneapolis, Minnesota?

 

You Owe $35,000 Total Taxes (35%) Total.

 

Your Income Tax Amount Is Highly Dependent On Your Income Amount, Tax Filing Status (Single vs. Married), And Home Address Plus Business Address Location.Let's Do Some Quick Math For This Example.

 

• Download Cheatsheet For Income Tax Estimates (PDF)

Congrats. You Read The Whole Damn Thing.Let's Go Invest.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Life Insurance

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Estate Tax, Probate, Setting Up A Final Will, Power Of Attorney, Funeral Costs And Choices Discussionhttps://www.reddit.com/r/explainlikeimfive/comments/4xdk2p/eli5howdodeathtaxes_work/Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Part A, B, And Part D
Supplemental Planshttps://www.medicare.gov/eligibilitypremiumcalc#/latepenaltycalc/results?birthday=18&birthmonth=3&birthyear=1944&didEnroll=yes&healthInsurance=yes&maritalStatus=Married&combinedFica=yes&filingStatus=Joint&incomejoint=%24206%2C000+or+less&questions=0%2C1%2C3%2C5%2C6%2C4%2C7&birthDate=3%2F18%2F1944&under65=falseMauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Estimate Your Getting Fired Amount.Collecting Unemployment.What Is Worse That Can Happen?How To Get Another Job Fast? ... Use AI, AI Resume Builder, And Learn About Resume Digital Formal "ATS-FORMATE"Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.Mauris suscipit, sem quis bibendum aliquam, sem est faucibus justo, sit amet feugiat ligula dolor non erat. Nam enim dui, dapibus at ullamcorper venenatis, dignissim non ipsum. Curabitur ornare pretium pharetra. Sed at dui vitae metus venenatis mollis. Proin massa est, suscipit nec est et, aliquam varius ipsum. Nulla facilisi. Duis ut ligula cursus orci lobortis mollis.Nam malesuada magna vitae justo feugiat faucibus. Curabitur pellentesque augue non eros egestas, vitae rhoncus tortor venenatis. Aenean lacinia turpis vitae eleifend vestibulum. Proin dignissim hendrerit diam, luctus condimentum mi eleifend rhoncus. Nam lobortis neque orci. Suspendisse potenti. Morbi a est nec ex sagittis maximus. Maecenas vitae luctus risus, a dictum augue.
 

 

 

Tip

What Question Goes Here?

 

Nice Short Answer Period.

Lots More Fun Info To HelpOut In Long Paragraph Format Over Multiple Lines

 

 

 

Danger

What Question Goes Here?

 

Nothing.

 

Surprise! Terrified You Miss An Electric Bill Payment And Your Lights Get Turned Off? They Won't.

 

 

Example

What Question Goes Here?

 

Nothing.

 

Lets Do Some Math Now With A Long Example case For Our Users.

 

 

Definition

Retirement

Read/Action/Spreadsheet:         xxx Minutes

 

Step #7
Understand Limitations And Solve Them.Easy Answer:
Just Read Below For 30 Seconds.Hard Answer:
You Discovered Having Only INCOME, BILLS, And SPEND Creates Some Big Gaps ... These Are Easy To Fix. Here Are The Gaps.

Step #10
Pick Your Retirement Age.Easy Answer:
Age 65.Hard Answer:
We Will Optimize This Number Later ... Hoping To Go As Early As Possible (Age 40).Some Crazy Sh*t Happens To Your Finances Between Age 50 And Age 70. This Includes Kids Going To College (Age 50 - Age 55), Retirement Account Non-Penalty Access (Age 59 1/2), Medicare Access (Age 65), And Social Security Paychecks (Age 62 - Age 70 Start). Plus There Is Some Wild Sh*t With "Rule 55" (Age 55 To Age 59 1/2) ... You Are Not Ready Yet.Stick With Age 60 For Now, Hold Onto The Handlebars, And Let's Get Back To Work.Let's Also Define What Die With A Dollar Considers "Retirement" ... Because That Word Sucks. If You Have Your Dream Job, Why Would You Ever Want To Retire? PENDINGI Never Want To Retire ... I Always Want To Be Working On Something. The Key Is ... I Want To Be In A Position Where I Can "Stop Working" Whenever I Want ... Either The Work Is No Longer Interesting, My Hobbies Are More Important, My Family Needs More Support, And/Or People That I Work With Are No Longer Fun To Be Around.

Step #11
Estimate Future Checking Accounts.Easy Answer:
Use Your Current Accounts, Add Future Incomes (Like Social Security), Add Expected Future Expenses (Like Nursing Home Care), And Use Damn SPREADSHEET.Figure Out How Much You Will Need To Pay All Your Checking Accounts Next Year, In 5 Years, Once Kids Arrive, When Kids Go To College, When You Get Free Medicare, When You Need Occasional Medical Support, And When You Need Partial Butt Wipe Care ... And When You Need Full Butt-Wipe Care.Hard Answer:
Don't Get Overwhelmed.This Sounds Impossible ... But It Really Is Not. Yes, We Cannot Predict The Future, But You Got To Plan For Something. All The Estimates Are Out There. And WHEN Things Change, You Have The SPREADSHEET Tool Ready .... To Easy Make Changes!!! Win. WIn.There Are Lots Of Good Stuff In SPREADSHEET Including Links To Expected Age 60+ Stuff Like Social Security Payments, Medicare/Medicad Costs, Mortgage Going To $0, Partial In-Home Nursing Care, And Full Butt-Wipe Service For End Of Life.Our Goal Is Not To Predict The Future ... Our Goal Is To Get Some Rough Estimates For Monthly Expenses ... So You Can Save And Invest Now ... To Make Sure You Have Enough Money For Later!

Step #12
Determine Lottery Ticket Amount.Easy Answer:
No Bullsh*t Number From Financial Advisor. This Is Exactly What You Need To Retire, Based On When You Want To Retire.It Is Much More Complicated That Than ... So Let's Dive Into Details.PENDING let's define retirement ... active working 9-5 job, passive income on investments/properties, and no-income at allHard Answer:
If You Had 1 Year Left To Live, You Would Only Need Little Amount Of Money ($) ... But If You Had 50 Years To Live, You Would Need Lots Of Money ($$$$$).Locket Ticket Numbers Are Exactly What You Would Need To Win On Lottery Ticket (Assuming Uncle Sam Doesn't Take Taxes From Your Powerball Winnings) To Never Work Pending again.You Only Need To Achieve "Rock" In Table Below To Retire Successfully ... Never "Having To Work" Again.The Numbers Are Easy To Calculate ... Just Add Up Every Month Of Income vs Expenses In Your Checking Accounts, From Now Until You Die.Let's Break This Down Into Our Lottery Ticket Amounts.

JUST FINISHED:
You Just Learned How Much Money You Actually Need To Retire And How That Number Changes Constantly.Let That Sink In ... All That Hard Work ... You Are StartingTo See The Magic Happen. Just Wait ... More To Follow.IMAGE:
looking at the wood vertical trail map, while standing on top of the mountain.NEXT STEP:
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Step #13
Understand Why You Invest.Easy Answer:
Investing Allows You To "Retire" Much Earlier ... Meaning You Only Need To Do ROCK Instead Of DIAMOND.Hard Answer:
If Your Parents Put $1 In An Account, And Invested It Until You Turned Age 65 ... With 5% Interest ... You Would Have $23.84 ... By Doing Absolutely Nothing! 🇺🇸You Invest So You Don't Have To Earn As Much Money ... Actively. By Saving Money And Investing It, You Let The Economy (Or Whatever VEHICLE) PENDING Earn Money For You ... While You Sleep!This Is Also Called Compound Interest.Your Money Makes Money ... And Time Is Doing All The Work For You. Basically Time Is The Electric Bicycle Of Finance.One Day You Will No Longer Be Able To Work Either Physically Or Mentally. You Have A Few Choices To Make Before That Day.

Step #14
Learn Basic Investment Words.Easy Answer:
X ... max contributions
X ... person holding account
X ... taxes
X ... key gotchasHard Answer:
We Need To Define Some Commonly Used Words Before We Can Invest. Let's Refresh Some Definitions And Then Get Into New Words.There Are Some New Words Dusted Below Too ... Just Keep Reading If Things Get Confusing.

... And Now Some New Words.

Step #15
Learn Why Taxes Matter.Easy Answer:
Different INVESTMENT ACCOUNTS Have Different Taxes. Some Accounts Tax You More Than Other. We Want No Tax. That Won't Happen. So We Try To Pay As Little Tax As Possible.Hard Answer:
This Gets Really Crazy And Head Exploding Fast. PENDINGYou Get Taxed Three (3) Ways On INVESTMENT ACCOUNTS.+ CONTRIBUTIONS ... Did You Get Taxed On Money You Put Into Your Account?
+ EARNINGS ... Did You Get Taxed On Money That Got Earned (i.e. Stocks Gained Value) Inside Your Account This Year?
+ WITHDRAWALS ... Did You Get Taxed When You Pulled Money Out Of Your Account?
Our CHECKING ACCOUNTS Only Get CONTRIBUTIONS Taxed ... Your Pay Taxes Off Your Paycheck (When You Get Paid Or Later This Year) And Then You Deposit That Money Into Your CHECKING ACCOUNT (i.e INCOME For Us).
X ... explain taxes in detail with example.
X ... short vs long term
X ... making money (by doing nothing) generates taxes! ... unless in special account
X ... we will have a fancy table below to compare this all shortly

JUST FINISHED:
xIMAGE:
putting on helmet at top of the mountainNEXT STEP:
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Step #16
Understand Basic INVESTMENT ACCOUNT TYPES.Easy Answer:
There Are More Than Just 401K And IRA. Ever Hear About ROTHs? ROTHs Are Not A Thing ... But 401K ROTH Is A Real Thing.Click Here For 1-Page PDF Summary Of All INVESTMENT ACCOUNT TYPES Including Description, Tax Considerations, And MAXIMUM CONTRIBUTIONS. PENDINGHard Answer:
Lots Of Different People, Use Lots Of Different Terms, For Lots Of Different Things. I Will Standardize All Definitions For Die With A Dollar Starting Now.We Will Cover Investment VEHICLES Later.Your VEHICLES Are Things Like Stocks, Mutual Funds, Index Funds, Certificates Of Deposit (CD), Exchange Traded Funds (ETF), Bonds, Treasure Bills, Target Date Funds, Cryptocurrency, Gold, And Many More!Below Is Quick Description And Full List Of All Major INVESTMENT ACCOUNT TYPES. Each Has Different MAXIMUM CONTRIBUTIONS, Tax Impacts, And GOTCHAS. Check Out 1-Page PDF Above.

Step #17
List All Your Open INVESTMENT-ACCOUNTS.Easy Answer:
Find All Your Accounts From Old Jobs, Current Job, Plus Any Spouse Accounts (If Applicable) ... Use SPREADSHEET To Write Down Everything.

Hard Answer:
We Don't Care About How These Accounts Are Invested Today (i.e. VEHICLES) ... We Just Want To Know Who Controls Them (i.e. Fidelity), How Much Money Is In Them (BALANCE), And How To Access Them (i.e. Login Details) ... Because It Gets Confusing, Fast!

Step #18
Priority Order For Saving And Investing CHECKING-ACCOUNTS And INVESTMENT-ACCOUNTS.Easy Answer:
What Order Should I Invest My Money?You Don't Have Unlimited Money ... People Always Say ... Just Invest More. F*ck That. Where The Hell Is This Extra Money Coming From !?We Need To Prioritize Where We Put Our Money.This Order Is Completely Independent Of RISK. We Are Not Picking VEHICLES Right Now. We Are Picking What Accounts Get Our Money First ... Then We Will Invest Them Later.There Are Conflicting Opinions On Internet ... List Below Is A Commonly Agreed, Best Practice, For 95% Of People ... Including You.First Priority Items (EMERGENCY, 401K ROTH Or 401K TRADITIONAL (Up To Employer Match, And Basic Checking Accounts) Are Widely Agreed Upon. I Hit These Hard Because They Are Also The Easiest To Do With Greatest Short And Long Term Impacts.Everything Afterwards Just Makes Your Future Life Easier.
R1 R2Here Is Quick List.

Hard Answer:
Here Is Detailed List.

JUST FINISHED:
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starting to ride down the mountainNEXT STEP:
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Step #19
Analyze Your INVESTMENT-ACCOUNTS.Easy Answer:
Easy Step ... You Have Been Working Hard ... This One Is Fast!Do You Have A Common INSTITUTION Across All Your Accounts? (i.e. Fidelity? JP Morgan Chase?)Your Hope And/Or Goal ... Is That You Have As Few INSTITUTIONS As Possible.Write Down Your Common And/Or Preferred INSTITUTIONS ... They Are More Or Less All The Same, So It's Not A Big Deal. Some Have Slightly Better Fees, Better Smartphone Apps, And Better Commercials. They All Do The Same Thing, Especially If You Are Making Less Than $500,000 / Year. You Are Just A Number To Them.

Hard Answer:
None.Ideal Setup Is 1x CHECKING ACCOUNT INSTITUTION, 1x INVESTMENT-ACCOUNT INSTITUTION, And That Is It!All Your Checking Accounts Like INCOME, BILLS, SPEND, INVEST, And EMERGENCY Are With 1x Bank ... Like Chase, Wells Fargo, whatever.All Your Investment Accounts (i.e. Retirement Accounts) Like 401K, IRA, PENSION, 403B, 529 Including HSA Are With 1x Broker ... Like Fidelity, Chase, whatever.You Can Get Stuck Having Multiple INSTITUTIONS Based On What Your Employer Picked (i.e. Negotiated) For Your Benefits Like 401K, 403B, And FSA/HSA Accounts. There Is Little To Nothing You Can Do About This Situation. Just Makes Your Life Harder.

Step #20
Combine Your INVESTMENT-ACCOUNTS.Easy Answer:
Take Your List Of All INVESTMENT-ACCOUNTS, Pick Single INSTITUTION (If Possible), And Consolidate All Accounts Into Single INSTITUTION.
 

Hard Answer:
Example ... If You Have 3x HSA Accounts, Combine "Rollover" Into 1x HSA Account.Example ... If You Have 3x 401Ks From Old Employers, You Cannot Combine "Rollover" Them Into Your Current 1x 401K ... But You Rollover All 3x 401K (Assuming Same Traditional Or Roth) Into 1x IRA TRADITIONAL or 1x IRA ROTH.Your Simple Goal Is To Have The Following Accounts.

Step #21
Give Yourself Health Check.Easy Answer:
Method 1
+ Easy ... Use SPREADSHEET.
+ It Will Do All The Math For You.
+ It Will Also Include Rough Tax Numbers ... Which Is Super Duper Important ... Dramatically Impacts Your LOTTERY TICKET NUMBERS And Needed POT OF GOLD.
+ Your POT OF GOLD Is How Much Money You Actually Have In All Your INVESTMENT- ACCOUNTS.Hard Answer:
Method 2
+ Easy ... Quick Very Rough Estimate.
+ Use IRS Calculator USA
+ Your "Initial Investment" Is All Your INVESTMENT-ACCOUNTS Balances, Added Together, Today.
+ Your "Monthly Contribution" Is All Your INVESTMENT-ACCOUNTS Monthly Contributions (How Much You Add To These Accounts), Added Together, Today.
+ Your "Length of Time In Years" Is Your Retirement Age From Earlier Step (Age 65) - Your Age Today (Age 40) = 25 Years.
+ Your "Estimated Interest Rate" Is 5% (Conservative) or 10% (Risky) or 15% (Balls To The Wall) ... 5% Is The Right Number.
+ Your "Interest Rate Variance Range" Is 0% (If 1%, And You Picked 5% From Above, Calculator Will Range From 4% to 6%).
+ Your "Compound Frequency" Is Annual (Once A Year).
+ Magic! ... This Is How Much Money You Will Have At Age 65 ... Your POT OF GOLD.
+ Is Your POT OF GOLD Bigger Than ROCK? (Good!)
+ Is Your POT OF GOLD Less Than ROCK? (Bad... You Will Run Out Of Money Before You Think You Will Die, Your DEATH AGE From Earlier)
 
+ Some More Math ... To See How Long This POT OF GOLD Will Last You
+ Take Your Currently Monthly Spending (All Your 23+ Monthly CHECKING ACCOUNTS That You Add / Use Money From Each Month) ... Add Them All Together For Monthly Total ... And Multiple By 12 Months For 1 Year Of Total Spending ... Called YEARLY SPENDING.
+ Take Your POT OF GOLD And Divide By YEARLY SPENDING ... That Equals How Many Years After Your Retirement Age You Picked (Age 65) ... That You Will Have Money ... Then Your POT OF GOLD Runs Out!
+ This Math Is Super Rough, And Basically Garbage. But You Are Starting To Understand The Complexity!

JUST FINISHED:
xIMAGE:
going fast around a curbNEXT STEP:
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Step #22
Re-Align All CONTRIBUTIONS To Recommended Order For INVESTMENT-ACCOUNTS.Easy Answer:
Just Do Earlier Step Where We Prioritized All Checking And Investment Accounts.Hard Answer:
None.

Step #23
Search Your Couch For More Quarters To CONTRIBUTE And Assign To INVESTMENT-ACCOUNTS.Easy Answer:
Analyze Your 23+ Checking Accounts After Few Months ... Are There Spare Dollars Anywhere?Make Sure You Are Aligned With Priority Investment List From Earlier Step.Hard Answer:
None.

Step #24
Experiment With Your DEATH AGE, RETIREMENT AGE, And EARNINGS Percent Assumptions.Easy Answer:
Use SPREADSHEET And Tweak Your Numbers.Is Your Future (Projected) POT OF GOLD Going To Meet The Minimum Comfortable LOTTERY TICKET (ROCK) !?Maybe Working Until Age 70 Dramatically Changes Things (It Does)?Maybe You Know The Best Your Family Has Even Lived In 80 Years Old ... Do You Want To Work Until Age 65 ... And Then Only Have 15 Years Left ... Plus You Likely Need Way Less Money!F*ck Around With The SPREADSHEET ... You Will Discover How Powerful The SRPEADSHEET Is ... Because It Does Quick Tax Calculations, Compound Interest Calculations, And Keeps Track Of All Your Actual Spending Amounts For Today And Every Year For Rest Of Your Life.Hard Answer:
This Gets Super Complicated, Super Quickly. You Can Change Your EARNINGS Rate Assumption From Our Conservative Number (5% Annual Earnings) To Just A Little Bit More (6% Annual Earnings) ... And Your Money Lasts Another 10 Years!Same Story With AGE DEATH And AGE RETIREMENT.Early Retirement (Before Age ~65) Is The Hardest Calculations ... So Beware. It Gets Really Tricky, Because If You Retire Before US Government Starts Helping Out (Age 59 1/2 For Retirement Account Benefits Like 401K, 403B, And IRA) ... You Get Hit With Extra Taxes And Even Worse, Paying Your Own Healthcare ... If You Are Into That Thing. Age 50 To Age 65 Is A Very Very Expensive Time Of Life, If You Have No Employer Benefits And No Income.

JUST FINISHED:
xIMAGE:
taking a drink of water looking over the valleyNEXT STEP:
x

Step #25
Learn Basic Investment Percentages.Easy Answer:
None.Hard Answer:
EARNING Can Range From 1% To 25% ... Recommend 5% On Your Quick Calculations For Long Term Retirement Stuff. PENDING INSERT EXAMPLEINFLATION Can Range From -10% To +10% For USA ... Recommend 3% On Your Quick Calculations For Long Term Investment Planning. PENDING INSERT EXAMPLE RTAXES (Quick Reminder) ... You Get Taxed On INCOME Ranging From 10% To 37% (Federal USA) + 0% To 10% (State Dependent) ... There Is Also Capital Gains Depending On Short-Term (Under 1 Year Since You Bought/Sold Stock), Just Added To Your Income Bracket Tax (10% To 37% Federal Above) ... And Our Goal, Long-Term (1+ Year Since You Bought Stock) Ranging From 0%, 15%, or 20%.

Step #26
Learn Basic Investment VEHICLES.Easy Answer:
This Is Where Sh*t Gets Wild (And Fun).Here Is A Quick List.

Hard Answer:
Bonds = “IOU” To You
[federal government, local government, companies ask for money loan (like to your friend), and they “promise” to pay it back + interest]Stocks + Dividends = “Chunk” Of Company Owner
[you buy a piece of a company and if the company makes profit, they may choose to pay its “investors” a chunk of profit called “dividend”] [very volatile]Mutual Funds = “Lots Of Stocks Together”
[advisor raises lots of money, they then buy lots of different stocks, then you get to “buy a share”] [more diversified way to own lots of companies]
+ Index Fund = tracks everything in stock market, lower fees, no real focus area
+ Actively Managed Fund = advisor buys/sells stocks every day, higher fees, usually has a focus area like “semiconductors” or “oil” or “airlines”
+ Target Date Fund = actively managed, but mode changes from aggressive to conversation over time, targeting your Retirement Date, high feesETF = “Real Time Mutual Fund”
[exact same as mutual fund, but! … you can buy/sell these any minute during the day … mutual funds only can be buy/sell during 1x time a day like 1700 CST, cannot liquidate during the day]https://www.schwab.com/etfs/mutual-funds-vs-etfs+ Leveraged ETF = uses debt and derivatives to double down, increases wins and increases losses https://www.investopedia.com/terms/l/leveraged-etf.aspCRYPTO = “Gamble On Imaginary Coin Prices”
[lots of make-believe coins, technically some can be bought/sold for USD $, wild swings in prices!]
how it works: https://braiins.com/blog/bitcoin-mining-analogy-beginners-guideCURRENCYCERTIFICATES OF DEPOSIT (CD)MONEY MARKET FUNDSREAL-ESTATE RESIDENTIALREAL-ESTATE COMMERCIALREAL-ESTATE INVESTMENT TRUST (REIT)COMMODITIES - METALS, FOODS, FUELPRIVATE EQUITYVENTURE CAPITALOPTIONSFUTURESSTART A BUSINESSWEBSITE PURCHASES (FLIPPA)DERIVATIVESTREASURY (T-BILLS) BOND = “US Government Loan”
https://www.investopedia.com/articles/investing/042815/how-read-tbill-quote.asp
How To: How To Buy T-Bills On Fidelity | Treasury Bills 2023 (Secondary Market)

Step #27
Open That BROKERAGE-ACCOUNT And Add $200 Dollars Total (Or More).Easy Answer:
This Is That $100 / Month Account From Step 14.We Are Going To Start Investing ... Shortly And Need A Quick Sandbox. You Need An Account With Some Real Money.It Is Super Easy. Pick INSTITUTION You Are Already Using (i.e. Fidelity, Chase, Wells Fargo) And Search For "Brokerage Account" ... It Really Doesn't Matter. Try To Find One With Zero Fees. NERDWALLET RHard Answer:
None.

JUST FINISHED:
xIMAGE:
riding down the trail about to hit your first mountain bike jumpNEXT STEP:
let's invest.

Step #28
Buy 1x STOCK For NVIDIA ("NVDA") For Current Price ~$100 To ~$150.Easy Answer:
Very Easy, Use Your Brokerage Account (w/ $200+ Dollar) ... And Go Figure Out How To Buy 1x STOCK Of NVDA ... Worse Case, You Straight Up Lose $100~ If Price Crashes ... But You Learned Something.Hard Answer:
I Cannot Tell You How To Do This ... Because Every INSTITUTION Uses A Different Online Website Setup.You Login, Look For "Trade" Type Stuff ... And Try To Buy It. It Will Happen Nearly Instantaneously If Done From 9:30AM To 4:00PM Eastern USA Timezone ... Because That Is When The Market (NYSE) Is Open.You Could Go Buy APPLE ("AAPL") Too ... The Price Is $250+ ... So Just Trying To Dip Our Toes Into The Water.

Step #29
Buy 1x Mutual Fund For S&P500 ("FVFIAX" For Vanguard, "FXAIX" For Fidelity, "SWPPX" For Charles Schwab)Easy Answer:
Do The Same Thing As NVDA.Hard Answer:
Same Damn Thing As NVDA ... But Now ... You Are Learning Something New. When You Buy 1x Stock (NVDA = $137 For 1x Share) ... You Have To Have $137 Dollars To Buy It. That Is Not How Mutual Funds Work.When You Buy Mutual Funds, You Pick How Much Money To Invest Exactly ($100) And Then Go Ask That INSTITUTION For That Many Shares (0.34 Shares)Another Fun Learning Note ... When You Go To Buy And Sell NVDA ... It Will Happen Nearly Instantaneously (If Market Open 9:30AM To 4:00PM EST) ... But Not True With Mutual Funds.You Can Only Buy And Sell Mutual Funds In The Evenings After Market Close (i.e. 6PM+ EST). If You Request To Buy Or Sell (TRADE) A Mutual Fund ... The Request Sits Until ~6PM EST Depending On Your INSTITUTION.This Is Why ETFs Exist. There Are Basically Mutual Funds That You Can Buy And Sell During The Daytime. Plus Some Other Tax Sh*t Too.

Step #30
Track For 2 Weeks And Then Sell Both NVDA/FXAIX.Easy Answer:
Does It Hurt When Your NVDA Goes Low ... Dropping In Price, Completely Independent Of Your Life !?Does It Feel Like Stealing When You FXAIX Mutual Fund Goes High ... Rising In Price Day After Day !?Does It Feel Fun To Watch TV News Or Open Reddit, See That Markets "Went Down Today" ... And That Impacts Your Actual Money !?Hard Answer:
Do This Step For A Week Or Two. There Is No Rush Here. Feel Some Highs, Feel Some Lows.You May Have Made Money ... And You May Have Lost Money. I Take No Responsibility ... See My Disclosure Sh*t.Now Sell Them ... Even At A Loss. Why !?You Are Going To Learn The Opposite Process, Learning How To Go Into Your INSTITUTION Website, Login, And Sell Your NVDA And Mutual Fund.Bonus ... You May Even Make A Few Dollars To Buy A Chicken Sandwich.

JUST FINISHED:
xIMAGE:
landed small jump ... and now riding up towards a huge jump!NEXT STEP:
x

Step #31
Welcome To Casino ... Everyone's Advice Is Garbage.Easy Answer:
XHard Answer:
XAdd good resources link to research stuff... and better yet ... add metrics on how to measure stuff.

Step #32
Understand Key Metrics When Evaluating Any VEHICLE.Easy Answer:
XHard Answer:
X

Step #33
Assign Your Goal, Risk, And Involvement For Each INVESTMENT-ACCOUNT.Easy Answer:
Use SPREADSHEET.Hard Answer:
wanna risk your HSA?
wanna be conservative or aggressive or both?
want to have hands off experience for 401k but gamble everything on your IRA ROTH?
Do you want to check stuff everyday ... i.e. day trade ... or check it quarterly/yearly?

JUST FINISHED:
xIMAGE:
flying through the air off a huge jumpNEXT STEP:
x ... time to get serious.

Step #34
Recommended DWAD Investment Method.Easy Answer:
X ... options from no-risk to smoking-hot risk.
X .... list how why it rocks.
(multiple risks, multiple passive/active, great way to balance profile)
pendingHard Answer:
X

Step #35
Pick Out Your VEHICLES Per DWAD Method (or whatever your favorite Shaman says)Easy Answer:
XHard Answer:
X

Step #36
Pull The Trigger And Invest!Easy Answer:
X ... taxesHard Answer:
X

JUST FINISHED:
xIMAGE:
landing the huge jump and seeing the chairlift at the bottom on the hillNEXT STEP:
x

Step #37
Jump On The Chairlift And Go For Another (Wash Rinse and Repeat)Easy Answer:
X ... now you just iterate
X ... dial in your Death Age
X ... dial in your Retirement Age
X ... play around with different options for Retirement Ages
X ... now you can add the FERRARI to your ACCOUNTS.Hard Answer:
Keep Checking To See If Your Future POT OF GOLD Meets The Minimum LOTTERY TICKET Amount ... If Not, You Need To Make Changes ... Or Just Understand That.

JUST FINISHED:
xIMAGE:
jumping back on the chairliftNEXT STEP:
x

37 Steps To Die With A Dollar.

Master Your Personal Finance Today, Invest In Your Future Tomorrow, And Happily Die With Exactly $1.00 In Your Pocket.

Step 1 - Take Action Today.
Step 2 - Pick Death Age.
Step 3 - Determine Leave Behinds.Step 4 - Estimate Monthly Cashflow.
Step 5 - Open Checking Accounts.
Step 6 - Make Cash Surplus.Step 7 - Understand System Limits.
Step 8 - Open More Accounts.
Step 9 - Confirm System Works.Step 10 - Estimate Future Cashflow.
Step 11 - Pick Retirement Age.
Step 12 - Calculate Lottery Ticket.Step 13 - Why We Invest.
Step 14 - Definitions
Step 15 - TaxesStep 16 - Understanding Investment Account Types.
Step 17 - List Your Investment Accounts.
Step 18 - What is Optimal Order For Investing?Step 19 - Pick Your Institution
Step 20 - Combine Your INVESTMENT ACCOUNTS
Step 21 - determine what happens if you don't do anything differentlyStep 22 - Re-Align All CONTRIBUTIONS To Recommended Order For INVESTMENT ACCOUNTS.
Step 23 - Search Your Couch For More Quarters To CONTRIBUTE And Assign To INVESTMENT ACCOUNTS.
Step 24 - Experiment With Your DEATH AGE, RETIREMENT AGE, And EARNINGS Percent Assumptions (Play With Possibilities, Spreadsheet)Step 25 - Learn Basic Investment Percentages.
Step 26 - Investment Vehicles
Step 27 - Open That BROKERAGE-ACCOUNT And Add $200 Dollars Total (Or More).Step 28 - Buy 1x STOCK For NVIDIA ("NVDD") For Current Price ~$100 To ~$150.
Step 29 - Buy 1x MUTUAL FUND For SP500 For Exactly $100.
Step 30 - Track For 2 Weeks And Then Sell Both NVDA/SP500.Step 31 - Welcome To The Casino...Where Everyone's Advice Is Garbage.
Step 32 - Understand Key Metrics When Evaluating Any VEHICLE.
Step 33 - Assign Your Goal, Risk, And Involvement For Each INVESTMENT-ACCOUNT.Step 34 - Recommended DWAD Investment Method
Step 35 - Pick Our Your Own VEHICLES Per DWAD Method
Step 36 - Pull Trigger And Investment. (Send It)Step 37 - Jump On Back On Chairlift And Go For Another Ride (Wash, Rinse, Repeat)

1x Spreadsheet To Rule Them All.

• Download Spreadsheet For Mac And PC ($0)

Input Your Stuff, Track Your Progress, And Let Computer Do Financial Math For You. All Calculations Laid Out For You To Easily Challenge, Tweak, And Improve.

Standardizing Our Words, Making Your Life Easier.

• Download One-Page For All Definitions ($0)

Most Frustrating Thing (Besides Transferring 401Ks To IRAs ... Or Getting Employer To Switch Direct Deposit Accounts) Is Mismatching Words.Different Websites Use Different Words. The Same Websites Will Use Differently Throughout Their Material. Lazy.We Can Do Better.

LOTTERY TICKETS
DIAMOND
GOLD
SILVER
BRONZE
IRON

VEHICLES
MUTUAL FUND (MF)
STOCK
EXCHANGE TRADED FUND (ETF)

INVESTMENT-ACCOUNTS
401K
IRA
ROTH XXX
TRADITIONAL XXX

RANDOM
CONTRIBUTIONS
EARNINGS
WITHDRAWALS
VESTING

Take Off Training Wheels And Blaze Your Own Trail.

• Download One-Page For All Great Resources ($0)

It Is Incredibly Empowering To Learn You Are Not The Smartest Person In The Room, Accept That You Have Weaknesses, And Then Surround Yourself With People Who Are Better At Things That You Are.Here Are Those People With Die With A Dollar.

REDDIT
x
y
z

MUTUAL FUNDS
x
y
z

CPA TAX ADVICE
Jasmine DiLucci Youtube Shorts Link
y
z

CRYPTOCURRENCY
x
y
z

INSTITUTIONS - BANKS
x
y
z

INSTITUTIONS - CREDIT UNIONS
x
y
z

INSTITUTIONS - BROKERS
x
y
z

Examples

• Download One-Page For All Examples ($0)

Just Go For Your Own Ride. If You Really Want To Watch Someone Else Take The Trail First, Here Are Some Example Scenarios With Real Money, Real Spending, And Real Spreadsheets.

Biography

Nicholas Kranowski

Family Man. Rocket Scientist. Idea Accelerator.Nicholas Kranowski Is An Experienced Business Development Professional At A Leading Aerospace Engineering Firm, With Over 13 Years Of Expertise In Generating Opportunities, Managing Customer Relationships, And Leading Teams. His Approach Emphasizes Collaboration, Innovation, And People Management.Growing Up On A Vineyard And Having Operated The World’s Fastest Wind Tunnel, Nicholas Enjoys Mountain Biking And Astrophotography. Married To Hannah Kranowski And A Devoted Father Of Three, He Believes That Strong Connections With Others Make Us Better People, A Belief Rooted In His Existentialist Philosophy.I Started This Blog To Offer Straightforward Financial Advice Rooted In First Principles, Aimed At Helping Individuals With Mid-Range Incomes Manage Their Money Effectively And Independently. Traditional Financial Advice Often Overlooks The Basics, Leading To Confusion And Missed Opportunities. My Goal Is To Empower People To Take Control Of Their Finances, Avoid Dependency On Advisors, And Ensure A Secure Future Without Unnecessary Complexity. By Following Simple, Actionable Steps, Readers Can Make Informed Decisions And Achieve Financial Stability On Their Own Terms.

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Legal Statements And Disclaimers

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The Content Is For Informational Purposes Only, You Should Not Construe Any Such Information Or Other Material As Legal, Tax, Investment, Financial, Or Other Advice. Nothing Contained On Our Site Constitutes A Solicitation, Recommendation, Endorsement, Or Offer By Hil Or Any Third Party Service Provider To Buy Or Sell Any Securities Or Other Financial Instruments In This Or In Any Other Jurisdiction In Which Such Solicitation Or Offer Would Be Unlawful Under The Securities Laws Of Such Jurisdiction. All Content On This Site Is Information Of A General Nature And Does Not Address The Circumstances Of Any Particular Individual Or Entity. Nothing In The Site Constitutes Professional And/Or Financial Advice, Nor Does Any Information On The Site Constitute A Comprehensive Or Complete Statement Of The Matters Discussed Or The Law Relating Thereto. Hil Is Not A Fiduciary By Virtue Of Any Person's Use Of Or Access To The Site Or Content. You Alone Assume The Sole Responsibility Of Evaluating The Merits And Risks Associated With The Use Of Any Information Or Other Content On The Site Before Making Any Decisions Based On Such Information Or Other Content. In Exchange For Using The Site, You Agree Not To Hold Hil, Its Affiliates Or Any Third Party Service Provider Liable For Any Possible Claim For Damages Arising From Any Decision You Make Based On Information Or Other Content Made Available To You Through The Site.There Are Risks Associated With Investing In Securities. Investing In Stocks, Bonds, Exchange Traded Funds, Mutual Funds, And Money Market Funds Involves Risk Of Loss. Loss Of Principal Is Possible. Some High Risk Investments May Use Leverage, Which Will Accentuate Gains & Losses. Foreign Investing Involves Special Risks, Including Greater Volatility And Political, Economic, And Currency Risks And Differences In Accounting Methods. A Security's Or A Firm's Past Investment Performance Is Not A Guarantee Or Predictor Of Future Investment Performance.Legal Disclaimer
The Information Provided On This Website Is For General Informational Purposes Only And Does Not Constitute Financial Advice. While We Strive To Ensure The Accuracy And Reliability Of The Content, We Make No Representations Or Warranties, Express Or Implied, About The Completeness, Accuracy, Reliability, Suitability, Or Availability With Respect To The Website Or The Information, Products, Services, Or Related Graphics Contained On The Website For Any Purpose. Any Reliance You Place On Such Information Is Strictly At Your Own Risk.We Are Not Licensed Financial Advisors, And The Content On This Website Should Not Be Construed As Professional Financial Advice Tailored To Your Specific Situation. Before Making Any Financial Decisions, We Strongly Recommend That You Consult With A Qualified Financial Advisor Who Can Take Into Account Your Individual Circumstances.The Website And Its Owners, Authors, Or Affiliates Are Not Responsible For Any Losses, Damages, Or Other Liabilities That May Arise From Your Use Of, Or Reliance On, The Information Provided On This Website. Any Actions You Take Based On The Information On This Website Are Taken At Your Own Risk.