Newsletters
February 2026
Avoiding Lifestyle Creep
It’s fine to splurge on the things you care about now that you’ve got more room in your budget. But it’s important to be intentional about those splurges. Some ways to avoid lifestyle creep...
2026 Q1
Money Habits Shifting for Millennials
Millennials are rewriting the playbook boomers used. Not because the old rules were “wrong,” but because the math, the market and the workplace have all changed. Here are two money habits millennials are moving away from...
November 2025
Your Money and Your Happiness
“Research shows that if you are already content, you have friends and are healthy, having more money is like rocket fuel, because you can use that money to spend more time with those friends and do the projects you want to pursue...”
October 2025
The Roth IRA Five-Year Rule
The answers for taxes and penalties are unique. Individuals aged 59 1/2 and older can always withdraw earnings from their Roth IRA penalty free but will only enjoy tax free treatment if five years have passed from the tax year in which they first contributed to a Roth IRA, with an important exception for funds contributed by Roth conversions...
September 2025
Taking Advantage of a Spousal IRA
When you file a joint return, and as long as one spouse has earned income, contributions can be made to the IRA of a nonworking spouse. Contributions you make to a spousal IRA account have the same advantages you have with your own IRA...
August 2025
Stop Being Your Worst Enemy
“It all comes back to the advice your mom gave you: Don’t take candy from strangers. You don’t know who they are, what their motivation is or what’s in the candy...”
June 2025
Does A Roth Conversion Make Sense for You?
One area of particular interest is Roth conversions. This can be an effective strategy for some and not for others. The following questions are helpful in the consideration process...
April 2025
Smart Financial Habits
Here are a few nuggets from a recent article in Forbes, titled Smart Financial Habits The Wealthy Follow. I hope you find something you can use...
February 2025
Leave Your Life Story as a Legacy
Some believe sharing family stories and history is good for the mental health of adolescents. It can also be beneficial for the adults who share their stories...
May 2024
Is Your Cyber Seatbelt Buckled?
In the United States today, all but one state require occupants to wear seatbelts when riding in a motor vehicle. Prior to the mid-1980s, no state had a seatbelt requirement, and many motorists didn’t wear their seatbelts, traveled, and may have never experienced an accident...
