Uncompensated Risk: Why You Should Avoid It

…taking on risk for free? There is a difference between compensated risk and uncompensated risk. If you choose to take a compensated risk, it will increase the expected return of…

Where Do REITs Fit in a Portfolio?

…ownership interest. Most REITs own and operate large commercial properties like apartment complexes, hospital, office buildings, warehouses, etc. You can invest in individual REITs traded on the public stock markets…

The Dreaded 401(k) Penalty Clause

…goal up above all others. Retirement savings be damned, I needed to be debt free. Younger me did not understand the tax code. Why would I? As a kid and…

Getting Married and Taxes

combined, she’s ineligible and must make Roth IRA contributions through the backdoor. To avoid a huge headache, we stopped her Roth IRA contributions in January of this year. If we…

How Much Student Loan Debt Can I Borrow?

…your federal student loan maximum The maximum federal student loan amount – how much you can borrow as direct subsidized, direct unsubsidized, or direct parent PLUS loans – varies depending on your situation as you complete your FAFSA (Free Application for Federal Student…

The Mega Backdoor Roth IRA

…Roth; or (3) after-tax. Pre-tax contributions are usually the best bet for a high earner, since they reduce your taxable income and save you money on your taxes today. Roth…

Save more money than your friends

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