The “B” Word – Part 3
The “B” Word - Part 3 This blog is part three of a multi-part series on budgeting. In part two of the Budget Blog, I discussed the importance of tracking and review. If we don’t track our spending, we can’t build a realistic budget. If we can’t build a realistic...
The “B” Word – Part 2
This blog is part two of a multi-part series on budgeting. In part one of the Budget Blog, I discussed the importance of tracking our income and expenses…how much comes in and from where…how much goes out and to where. We track our finances on paper because most of...
The “B” Word – Part 1
This blog is part one of a multi-part series on budgeting. The word “budget” conjures up thoughts of Scrooge-like accounting and strict financial restraint. Most of us enjoy thinking about budgets as much as we enjoy pondering our next diet. Both feel like some kind...
To Roth or not to Roth…
Let’s simplify this issue. The determination as to which retirement account investors should fund, or convert to, is ultimately based on two factors: taxes and withdrawals. Investing is about total return, into which taxes play a significant role. A Roth IRA is...