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Which Investment Accounts Should I Use to Invest?

Bottom Line Up Front (BLUF): Finding the right mix of investment accounts can be confusing at first. Start with Goals in Mind, but Prioritize Retirement. Do these steps: 1. Start...

TSP's new Mutual Funds... Are they a good investment?

Bottom Line Up Front (BLUF): The TSP’s new mutual funds will add investing options, but with extra fees. Beware of these fees and other risks that come with these new...

Don't Panic...Stay Invested!

Bottom Line Up Front (BLUF): Don’t panic! Selling after a drop in the stock market just locks in your losses. When the market drops, stocks go on sale. The stock...

Long Term vs. Short Term Capital Gains Taxes Explained

Bottom Line Up Front (BLUF): You pay capital gains taxes on investment earnings/profits each year (but not in Roth IRA, IRA, 401K, or TSP). Long Term Capital Gains insurance are...

Spousal IRAs: How Married Couples Can Double Their IRA Investments

Bottom Line Up Front (BLUF): If you are married and your spouse has no income (and you file taxes jointly), you can both still invest in IRAs or Roth IRAs....

Should I Get Life Insurance Before I Retire Or Separate?

Bottom Line Up Front (BLUF): Yes, if you have dependents (spouse/kids). If so, get enough level term life insurance to cover 10x your annual income before you retire/separate… preferably before...