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Breaking Down the Components of Financial Advice

Vanguard has been relatively quiet after an SEC filing revealed their plans for a new digital-only advisory service called Vanguard Digital Advisor Services (VDAS). They have yet to send out any press releases or direct announcement about their new … [More]

Yes, Health Insurance Costs Impacted My Early Retirement (FIRE) Plans

When the topic of early retirement comes up, a common question is "Are you concerned about health insurance?" I could be a cheerleader and say "nah no big deal", but to be honest it has impacted my early retirement plans. Not only are the costs … [More]

How To Lose Your Money Investing

Sometimes the best solution to a problem comes by approaching it backwards. Charlie Munger often spoke about the principle of inversion. Instead of looking for things that you should do to achieve a goal, make a list of things you would do to make … [More]

Marriott Bonvoy Boundless Credit Card Review: 100,000 Point Limited Time Offer

The Marriott Bonvoy Boundless credit card emerged after the merger of Starwood Preferred Guest and Marriott (formerly the Marriott Rewards Premier Plus card). This card offers unique perks for regular Marriott customers, and right now there is a … [More]

Chase Sapphire Banking: $1,000 Bonus For New/Existing Customers ($75,000 Assets)

New bonus. Chase has a new $1,000 cash bonus offer if you upgrade to or open a new Sapphire Banking account. To qualify, you must transfer a total of $75,000 or more in new money or securities into eligible Chase checking, savings and/or … [More]

Capital One Walmart Rewards Mastercard Review: 5% Back, But With Restrictions

Today, Walmart launched their new Capital One Walmart Rewards Mastercard (credit card) and Walmart Rewards Card (store card that only works at Walmart). Here are the highlights, which unfortunately include some hoops and hurdles to jump … [More]

Target REDcard 5% Off + $50 off $100, $10 GC w/ $100+, 1% Off Via Circle

Target has been coming out with a variety of offers and announcements that should interest regular shoppers: New Target REDcard applicants (credit or debit) will get a coupon for $50 off $100+ future purchase. Restrictions listed below. Apply … [More]

Vanguard Digital Advisor Services (VDAS) Initial Review: 0.15% Fee Robo-Advisor

The big news in financial advice world last week was that many details of Vanguard's new portfolio management service were revealed when InvestmentNews reported this Vanguard SEC filing. Here are a few key differences between the new Vanguard … [More]

5% Cash Back Cards: PayPal, Amazon, Target, and Automotive – October thru December 2019

Activation time for 4th Quarter! The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year without … [More]

Groupon: Costco New Membership Deal

Here's a Groupon deal for a new Costco Gold Star Membership where for the regular price of $60 you can get the following (up to $148.98 value): 1-year Gold Star membership ($60 normally), which includes a membership card for the primary … [More]

My Money Blog Portfolio Income and Withdrawal Rate – September 2019 (Q3)

One of the biggest problems in retirement planning is making sure a pile of money lasts throughout your retirement. I have read hundreds of articles about this topic, and there is no single solution. My imperfect (!) solution is to first build a … [More]

My Money Blog Portfolio Asset Allocation Update, September 2019 (Q3)

Here's my portfolio update for the third quarter of 2019. Most of my dividends arrive on a quarterly basis, and this helps me determine where to reinvest them. These are my real-world holdings, including 401k/403b/IRAs, taxable brokerage accounts, … [More]