Financial Planning

Long-term money planning. Net worth, retirement, insurance, estate planning, and the math behind financial independence.

14 articles
February 8, 2026 · 4 min read

Long-Term Financial Planning Without a Crystal Ball

You cannot predict the future. You can plan for it anyway. Here is how.

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January 25, 2026 · 4 min read

Building Wealth in Your 20s vs 30s vs 40s

Different decades, different strategies. Here is what to focus on at every stage of building wealth.

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December 14, 2025 · 4 min read

College Savings: 529 Plans vs Alternatives

529 plans vs UTMAs vs Roth IRAs vs taxable accounts. Here is which one wins for college savings.

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November 23, 2025 · 4 min read

How to Plan for a Baby Financially

Babies are wonderful and expensive. Here is the financial preparation that makes year one less stressful.

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October 26, 2025 · 4 min read

The Hidden Costs of Homeownership

The mortgage is the smallest cost of owning a home. Here is everything else nobody warns you about.

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October 5, 2025 · 4 min read

Life Insurance: How Much Do You Really Need?

Life insurance is for replacing your income if you die, not as an investment. Here is exactly how much to buy.

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September 7, 2025 · 4 min read

Estate Planning Basics: Wills, Trusts, Beneficiaries

Estate planning is not just for rich people. Here are the four documents every adult should have.

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August 24, 2025 · 4 min read

How to Plan for Big Purchases

Big purchases either get planned or get expensive. Here is the framework for planning them.

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August 10, 2025 · 4 min read

Financial Independence: FI, FIRE, CoastFIRE Explained

FIRE, CoastFIRE, BaristaFIRE, all roads to the same destination. Here is what each one actually means.

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August 3, 2025 · 3 min read

How Much Do You Really Need to Retire?

The honest answer is "it depends", but here are the four variables that determine your real number.

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July 27, 2025 · 3 min read

The 4% Rule for Retirement, Explained

The 4% rule says you can withdraw 4% of your retirement portfolio per year, forever. Here is the math and the caveats.

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July 20, 2025 · 3 min read

Setting SMART Money Goals That Stick

"Save more money" never works. "Save $5,000 by December 1 for a down payment" does. Here is why.

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July 13, 2025 · 3 min read

How to Calculate Your Net Worth (And Why It Matters)

Income tells you how much you make. Net worth tells you how much you have. The second one matters more.

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July 6, 2025 · 3 min read

Your 2026 Financial Checkup Checklist

A 30-minute checklist that catches the financial things most people leave broken for years.

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