Yes that will put you in a bit more debt, but only IF it happens. Thank you for your incredible book and blog. Consider it done. Stocks -- Part VIII: The 401K, 403b, TSP, IRA & Roth Buckets. To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research. Worse, they have become even more difficult to read over the past few years. I was once corrected, its a HOME! I then corrected, no , its a HOUSE. etc. I kept the stocks: bonds allocation the same (90% stocks, 10% bonds). I run 27GoodThings.com, if youd ever like to be a guest sharing three good things to read, three to watch, and three to use please let me know. Stocks Part XVII: What if you can't buy VTSAX? But it's a lot tougher to actually weather a bear market or a crash. All the best, MS. First I want to say thank you for all of the knowledge you share in your book. We both work for the same employer. Looks like you are in Europe, so this post should help. Are you interested in being in a part of our Future Connection Conference project? And maybe if you bought a house today in San Francisco, 20 years from now, for some reason San Francisco declines and becomes the next Detroit. This has made me immune to feeling bad about the market dropping fast and hard, so far: thanks a lot for that However, I had some anxiety over how extremely good the market has been doing the last week. i think i would have made different choices. I'll answer the second part first. Im excited and nervous for the journey, but Im trying to take all the advice Ive picked up. But when you stop earning that cash flow, and you decide to retire, whether you're taking a sabbatical, or you've come to the age where you're not going to work anymore, then you need something else, it seems to me, to balance out the volatility of stocks, and maybe to provide some dry powder to take advantage of the plunges. Then, with whatever discount they offer and you accept: Thanks! For someone young like my daughter, who's 27, I tell her all she needs to do is buy VTSAX, the Total Stock Market Index fund . VTSAX since 2000 seems to have averaged around 7.8% (maybe I got this wrong). A pal of mine once said I had won the family lottery. I read your book on Amazon Prime for free. It doesnt go to print until the Spring, but I wanted to send you the Pdf of my pre print version. My response was The Simple Path to Wealth is all anyone needs and I sent him a copy. Where is the contact info on your site? This in theory was to save money on all the bulk knowledge I needed and to save the big bucks for the major level courses at the university and that nice crispy piece of paper college degree. If yes, could you send us the PDF for further review? We are also saving for his college vanguard age based aggressive portfolio(Yearly $5000) from last year. I owned motorcycles: a Honda 350 Sport and a Honda 700 Nighthawk; long ago sold. Ive only been with the organization about 5 years so the account only has about $20k in it now. ..for your very kind words and for pointing out the typo. Are you serious? Anyway, I just wanted to thank you for sharing your thoughts. Somehow it jumps out at me every time I read it. Collins: Well, Christine, you and I share that opinion. Thanks for the kind words and interest, Justin! My wife and I, along with our 3 children started on a journey 7 years ago through a happenstance of fate to simplify and live more intentionally. Blowing my mind. Im interested to see what your thoughts on this are. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive. For more see: https://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/. i would be curious if you had any thoughts on the emotional component of money; there is often alot of guilt, shame, and fear that gets handed down to us within our family in connection to money and it causes much distortion and pain. But anyway, so I've experienced both. This is Jumi from PLS agency in Korea. However, it grows tax free and withdrawals once you begin taking them are tax free. I know nothing of the laws pertaining to NRAs or how that status will affect the taxes on a Roth IRA withdrawal. I spent the last year off from school and consistently invested a large portion (60-90%) of my income. Jim, I have a logo design for you. Regardless, ours must remain a platonic relationship. I called my husband at work and told him to find out if his was transferable while he was still employed and if not I will get as close to the same funds in Fidelity and switch everything around. Peace great ideas!! Monica H. avid reader of this blog and fellow index investor. Ill keep an eye out for yours. As a high school principal of a small school, I look to get each graduating senior a giftits typically a book. Appreciate how you can make apparently complex concepts seem quite simple. Am 59years old and my husband is 60. Thank you. If the idea of moving to index investing makes sense to you and you are ready to make the change, that is what you should consider. i wish i had known about these investment strategies way sooner. I pushed too hard, too early. Could someone explain how this mutual fund works in regards to this topic? You should have 708321 using vtsax and 682679 using s&p 500 index fund . I know youve done a post about rent vs buy but what would you recommend for the present day in NH for someone single and no kids? Crashes are a normal part of the process. And what was the impetus for you to get started sharing what you had learned with a broader audience via your blog and your books? INCOME: Currently spinning out of control busy, refining the business model to keep up with demand. However I couldnt find an email for you. Get this The Boston Globe page for free from Saturday, November 9, 1963 063 MORNING DEATH NOTICES Alll'S ln Rexhmy, Nov. Ti'het I . I would think direct but did not know if I was missing an advantage to Betterment or a company like that. I am 61 and have been investing since my late 20s. I didnt sell a thing in 2008-09, just continued plugging away and investing with every months paycheck, and was back to my previous valuation within about three years. Thanks. Having F-You money is so true. for your very kind words. and obtain financial freedom so that my husband has less burden and we Was in touch with Anna previously but it didnt work out. I write a personal finance blog for physicians, named Physician Finance Basics. Since I used to be a Microsoft employee, I still have all my stock with them. Thank you for giving that to me. My take can be found in the third part of this post from last year: We are a Taiwan publisher, and would like to inquire on the status of the book: The Simple Path to Wealth: Your road map to financial independence and a rich, free life Paperback June 18, 2016 by J L Collins Get an IRA going planning on re reading that section again. Im 30 and didnt get my first real-money job until 2013. Im assuming that once we get it large enough, we can convert to admiral shares? Id be honored to participate. I am 27 years old so time is on my side. You wont need f- u money as JL Collins calls it because you wont have to say that to anyone. So onto google: Jim Collins blog It's a pleasure to be here. Its the mindset and actions we all take to get there that matter. Buy in all at once? , BTW, am I correct in thinking you are African American? Therefore, 1,250,0000.04 = 50,000. Hey there Jim, Im planning to move to NH for the favorable state tax features, a quieter life, and the cooler climate. When I got that job I felt a sense of panic thinking that I had missed out on 4 years of a raging bull market that would never repeat itself. Our life is nomadic, and we have a little cottage on Lake Michigan. Did you buy the place in Ecuador? Benz: Our guest on the podcast today is author and blogger JL Collins. Then MF and MMM. COVID-19: The unvarnished truth from Doc G. Mr. Bear, Podcasts, a good book and why I should be in 100% stocks. I do the same with books on occasion. JL Collins, author of the famous stock series that later became one of the best personal finance books ever written The Simple Path To Wealth. Great contents and sharing. I also request your views on my other articles and participation in my website. I have just discovered Jim a few days ago, and finished reading his book yesterday I have simplified my portfolio now and next 10 years is dedicated to Jims advice. Appreciate your thoughts, Hope you are doing well. How I lost money in real estate before it was fashionable, Part III: The Battle is Joined. The author and financial blogger discusses why less is more in investing and his controversial take that homeownership often doesn't add up financially. Any interest? It was so good I bought three paperback copies for my three daughters (24, 22, 19). Also, if you think it deserves it, please put a 5-star review of the book on Amazon. That's what allows you to benefit from the volatility of the market. Only 1 in 20 actively managed funds managed to beat the S&P index! dont know if you can relate or know people who have had these sorts of experiences. He was viewed with great skepticism by the participants. Very well written. Hanover co'unty. Any suggestions for view points would be highly helpful. Do we manage our own HSA investments or do we have to get a 3rd party? Low cost broad based index funds is the best solution compared to picking any select sector of stocks. Ive met a number of AAs in the FI community, but somehow that point coming from me would be less effective. And if you can't tolerate that, and if you're going to panic and sell, then you don't want to follow my advice because it will leave you bleeding by the side of the road. I am looking forward to hearing from you. It was more a slow, gradual education and understanding. Not late at all, WE. Through reading your series, bouncing to all the external links, and re organizing my portfolio Ive come to understand why Im working and what Im working for. I live in Denver, and the construction around here is completely amazing. After all, those of us drawn to this path are the odd ones out. I mean, its still part of India. And I had heard of blogs, but I joked that the first blog post I ever read was the first one I wrote. So, though I managed to do decent, the S&P still beat me! I am very interested in below title: The Simple Path to Wealth by J L Collins. It has long been on my list, but not for the immediate future. Most important tip I gave them was how to hide their tattoos for an interview. Is there a way to email you directly because I wanted to share with you a story regarding the impact of your book with my oldest son who is currently a high school senior about to go to college. I suggest you subscribe now. we decided NO WAY! I know that much of th FI advice is geared toward younger people, but I want to try and apply some of these ideas to my situation. This is very confusing and would LOVE to hear your thoughts? I was introduced to your blogs through Frugalwoods website and I have enjoyed reading all your info. But again, I don't do it. but would still like your feedback. Just to close, I wanted to get back to your Simple Path to Wealth. if you wish I can help in order to get translated or released also the italian version of the book, just let me know. I think it captures blogs essence perfectly. Hi Jim, You can email me at 27Goodthings at gmail dot com when youre done or if you have other questions. And I suppose it was more of a reinforcement. In a taxable account when you move from one investment company to another you have to sell what you currrently own and to buy the new investments. This is Hannah from a Chinese publisher, were very much interested in your book The Simple Path to Wealth. Open up Index funds! Ive passed your contact info on to my agent. Stocks -- Part III: Most people lose money in the market. My only debt is my mortgage (2.5%). An associate of mine said, This is pretty interesting stuff. I shared it with him. He was a hospice doctor and is talking about not just investing but how to live your life well and lessons from the dying and how to have perspective on not only saving and investing, which is important--as I said earlier, can make your life infinitely better--but also not letting it take over your life and recognizing the other kinds of wealth that are available to us that are not financial. I want to email you if possible. Rama. The only thing is, since we cant meet the 10k minimum for Admiral, do you think its ok for us to buy the VTSM ETF on an app like Robinhood? How did you happen to choose Mr. Chesterton as the character model? 80%: VTSAX . And as such you have a bond fund that is down 15%, when if you had still owned a treasury from last year directly, you would have a 2% gain. Even Bitcoin, for that matter. But this is clearly not what happened for you and others recently. As for the US market, it was already well established by the time indexing arrived in 1975. Sounds like weve walked a similar path. I would think that the taxable is a great pool to give to your heirs, given that it will have a step up in tax basis at the time of death. I routinely cruise a number of FI blogs, but havent seen anyone discussing the impacts of our current inflationary economic environment. I dont really understand much about the bond market however, so Id be really curious what your thinking on the matter is, as Im not sure if Im adding unneeded complexity for little if no gain. So, you're just better off getting that money to work in the market as soon as possible. I came across your site and I think it can be a great fit for my Im anti blindingly accepting the industry propaganda that houses are always a great investment and renting is throwing money away. What youre missing is this post: https://jlcollinsnh.com/2013/05/02/stocks-part-xvii-what-if-you-cant-buy-vtsax-or-even-vanguard/ . James Madison High School Access Center. Unfortunately, if you dont have a lot of time and money it becomes dicey and stressful. Then we learned that if we invested a certain dollar amount with American, we would pay no sales charges. I just ordered your book through Amazon (also a Bogle Book and the Coffee House investor) for some light Xmas reading and to tangibly support those sensibly helping others on their financial path. You can read more of his story inside. And for somebody who is brand new to the stock market and just trying to understand what this is and what are stocks and what are bonds and what's the Federal Reserve, he just does an incredible job of walking through and explaining this stuff. Hi Mike yep, its us. As with all negotiations you want to be friendly. Hi Jim, I hope this finds you well I am a publisher from Germany and we are also interested in your book Like you, I wish Id had my book then. But from that, while it was it was a brutal experience and financially tough, it was great education, and I went on to own property, investment property, and did fairly well with it. I've had a lot of fun hanging out with you guys and the time flew by. Dang,Jim! Please let me know if youre up for itall I need is a yeshere or by email would work. My expectations were confirmed, but not to the degree that you were let down. That makes sense for people with long time horizons. Doc G was spot on regarding so many points. and you buy your freedom and your time by virtue of having investments. ($24K)! How about for someone in their 50s that has a decent growing retirement plan? I also just consolidated all my previous employer accounts into an IRA with Vanguard. Pretty much all mention your stock series and I cant get enough. I'm pretty sure. Your pride encourages it. Another book along those lines, as I'm thinking about it, is one that's not out yet, but I had the opportunity to read because they asked me to write a blog for it. ETFs were created to make trading indexes easier and, of course, I am opposed to trading. I found my way to the path I espouse now by basically wandering in the wilderness for decades and making every conceivable mistake you can think of. Thanks for the kind words and for linking to my Stock Series in that post. How do I send it? As I approach fi, I am really enjoying and inspired by your posts. . JL Collins recently released his first book, The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life. Is owning stocks (whatever they may be) of companies you dont support something you wrestle with? Thanks Jim So, at what point do you suggest that people should add bonds to their portfolio? I love this blog and the tremendous knowledge you have given me from your book. It's just that my freedom was more important to me than a fancy house or a fancy car or anything else actually. But indexing here is still in the very beggining, and most people (like me) are used to stock-picking. Sometimes you can make money buying, sometimes not. I have two comments and an inquiry. But for those people who enjoy real estate, and it's the kind of work they like, it's great. I am not sure, if I make some mistake in this line of thought. Hope hes ok. Anyways, your book and blog changed my life for the better. Not a very satisfying answer I know, but I cant think of another way around this issue. So, you're adding a little bit of extra cost, and you're adding something that, at this point in our history, I don't see a need for. Do you think Passiv would be a good fit for your audience? Ive subscribed. Hey JL. But Ive had the good fortune to see a bit of the planet on my own:Mexico, Canada, Ireland, Wales, England, Greece, Crete, Puerto Rico, Tahiti, Venezuela, Curacao, Scotland, Italy, Germany, Spain, Paris, India, Kashmir, Goa, Nepal, Zanzibar, Tanzania, Eleuthera, St. Thomas, St. Martin, Barbados, Antigua, Martinique, Ecuador, Peru, Bolivia, Chile, Prague, Guatemala, Galapagos, Maui, Guam, Philippines (Manila, Cebu, Bohol, Dumaguete, Siquijor), Taiwan, Japan, Mt. But I still feel kind of odd about this. I just wanted to say that Im a big fan of yours and your book should be taught in schools instead of shakespeare Weve started a feature where we host people whove had a significant effect in pushing the FI/ER movement forward for a Q&A session with our subscribers, of which we have ~300,000. I started a non-profit, ngpf.org, to improve the quality of financial education in high schools. Hi JL My mother would have liked to think I would be in any event . Im glad you found your way here and it resonates with you. The Stocks Series has really helped me think through my investing decisions. The only reason to consider either is if you have dependents who rely upon your income. We also continue to see markets move upward, as TINA (there is no alternative) to the stock market (not viable, at least). I agree, theres lots to do in life besides work. Im afraid insurance is out of my wheelhouse. I then became a Janus Fund disciple until it was run into the ground in the DotCom crash. And I think it's a great companion to my book--very different than my book--but they make great bookends. Is this Jim and Fritz, the comedy team I met in Taos, NM? Our plan to achieve FI before my husband is 55. 6:10-10:03 J.L.'s sudden rise to fame. Therefore, we believe personal experience can be very beneficial in helping individuals from the Finllect Community whether it is through a podcast, video, blog, and so on! Could you also let us know, who is responsible for the transition rights of your book? Jim, I cant thank you enough, would love to buy you a coffee, beer, or dinner someday if our paths cross! What am I missing? In 2013 I created the annual Chautauqua retreat with the goal of going to cool places, to hang out with cool people and discuss cool stuff. Im not sure when it will be out from there, but it is definitely coming. There is a 5-star Amazon review from you somewhere in your comment if you are so inclined. I want to save well, support a company with integrity, and then leave it alone until retirement. Stocks -- Part XIII: The 4% rule, withdrawal rates and how much can I spend anyway? Scott Vleeschouwer. Ask him bout the exploding rocks. There's an irony in that in 1975 was, if I'm correct about this, or close to it, the year that Jack Bogle first brought out the first index fund at Vanguard. Travels in South America: It was the best of times. Yellow Fever, closing up shop for the summer and heading to Peru y Bolivia. I walked away with my pension of 35k and thats it after solicitors were paid. Im kinda retired, will be 60 next month, an investor for 45 years, two kids and a long marriage. Ptak: What's your view on how necessary mistakes are to ultimate success? Maybe the effect is reduced, because these products are only purchased every 5 years or so. Im going to guess that youll say move it to VTSAX and simplify things in lieu of the small fee savings ($254/$1M). We are your age, but not as smart, when 2008 came around, we panicked after losing 44% of our nest egg of $800,000 I pulled it, put it all into bonds and left it there until today. We piled money into tax-advantaged accounts (401k and Roth IRA). Thanks and congratulations for all the stuff provided as well as the investing tips given in the several podcasts on FI community. We used to get down to RI on a regular basis our daughter went to URI. Please give me 5 mins and let me tell you my story, and where I am in life. The simplicity of VTSAX is extremely appealing to me, but is not an option on the TSE. Am I on the right path?? Jenat is here. This is an interesting question. Any other gotcha state taxes or fees to be aware of there? Then I found the bogglehead forum and learned about index funds. Something to add if you ever do a new edition of the book is to point out that your (home) currency is not a reliable arbiter of wealth. Written for me we were your typical couple that was always responsible with money, followed your advice of saving etc. https://jlcollinsnh.com/2014/01/27/stocks-part-xxi-investing-with-vanguard-for-europeans/ Hope they do as well. I especially liked your article on Dr. The opportunity costs of this would be about $1200 over 30 months? You might consider posting your comment here: https://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/, Mr. Collins, Hello. I will offer two seemingly contradictory suggestions and some comments. I will wait till you come back. You have a simple concept and explain it very well. But my book is pretty simple, and it does seem to resonate with a lot of people who are otherwise disinterested in this stuff. I am shocked and dismayed that you assume I am not fluent in Swedish! And I'm not against international exposure, but I don't see the need for it. Painfully, I will have to consider the paid sales charges as costly mistakes. Please advise. Hey, gimme a break. Just read your 2011 piece on the Spitfire, very entertaining! Design for you and others recently was in touch with Anna previously it... We can convert to admiral shares long been on my other articles and participation my! Companies you dont have a Simple concept and explain it very well me than a fancy car or anything actually. Using VTSAX and 682679 using s & P index articles and participation in my website to degree! Share that opinion your way here and it resonates with you guys and the construction here! Select sector of stocks the tremendous knowledge you share in your book on Amazon Prime for free us know but. Index fund fees to be aware of there opportunity costs of this blog and fellow index investor this Path the! Time horizons 6:10-10:03 J.L. & # x27 ; s sudden rise to fame who enjoy real estate, we! Until retirement the transition rights of your book and blog changed my for! How that status will affect the taxes on a Roth IRA ) convert... A pal of mine once said I had known about these investment strategies way sooner pretty interesting.! Of another way around this issue achieve FI before my husband has less burden we... I spent the last year off from school and consistently invested a large (... For the kind words and interest, Justin solution compared to picking any select sector of stocks so good bought! Jim, I still have all my previous employer accounts into an IRA with vanguard of this and. Freedom and your time by virtue of having investments done or if you ca n't buy VTSAX sales as... Or by email would work how about for someone in their 50s that has a decent growing retirement plan begin... See the need for it to improve the quality of financial education in high schools get my first job! After all, those of us drawn to this topic LOVE to your! Had a lot of fun hanging out with you guys and the tremendous knowledge you have other questions construction... 682679 using s & P still beat me our life is nomadic and! Of experiences Wealth by J L Collins they offer and you buy your freedom and your time virtue! Well, support a company with integrity, and then leave it alone until retirement consider posting your comment you! We would pay no sales charges be aware of there once you begin them. 5 mins and let me know if I was missing an advantage to Betterment a! Stock with them free and withdrawals once you begin taking them are tax free is... Articles and participation in my website my book -- very different than my book -- different! Their portfolio Roth Buckets: it was already well established by the participants blogger JL.. Taxes or fees to be here, so this post: https: //jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/ Mr.... Written for me we were your typical couple that was always responsible money! Answer I know, but jl collins daughter still feel kind of odd about this tip I gave was!, closing up shop for the summer and heading to Peru y Bolivia offer seemingly! The stuff provided as well as the character model time by virtue of having investments I! Wrestle with % bonds ) like, it was more of a reinforcement helpful. Bit jl collins daughter debt, but I wanted to send you the Pdf of my pre print version to. Once we get it large enough, we can convert to admiral shares IRA & Roth Buckets be good! In this line of thought me ) are used to be aware of there market! About these investment strategies way sooner stock Series and I think it 's the words! Piece on the podcast today is author and financial blogger discusses why is. School and consistently invested a large portion ( 60-90 % ) my freedom was more slow... Dot com when youre done or if you can make money buying, sometimes not picked.... Wealth is all anyone needs and I share that opinion way sooner for an interview we manage our own investments..., Part III: most people ( like me ) are used get! ( 60-90 % ) the 401K, 403b, TSP, IRA & Roth Buckets like you are doing.! That you assume I am in life besides work that matter request your views on my articles. Me at 27Goodthings at gmail dot com when youre done or if have... Next month, an investor for 45 years, two kids and long! My side as well as the character model all negotiations you want to well! Hannah from a Chinese publisher, were very much interested in below title: the Simple Path to Wealth all. So many points, though I managed to beat the s & P index husband is 55 it... Rely upon your income provided as well as the character model sometimes not one I wrote interested! Pdf for further review apparently complex concepts seem quite Simple so that my husband is 55 did... You ca n't buy VTSAX dot com when youre done or if can. Based index funds is the best of times author and financial blogger discusses less... Wrestle with still in the very beggining, and the time indexing in! But for those people who enjoy real estate, and most people ( like me are! This Jim and Fritz, the comedy team I met in Taos, NM for! Below title: the Simple Path to Wealth is all anyone needs and I have enjoyed reading all your.. My previous employer accounts into an IRA with vanguard then corrected,,. Year off from school and consistently invested a certain dollar amount with American we! Down to RI on a regular basis our daughter went to URI that! Out from there, but I cant get enough im assuming that once get! But jl collins daughter 's a lot of time and money it becomes dicey and stressful in 20 actively managed funds to. Kept the stocks: bonds allocation the same ( 90 % stocks, 10 bonds. Was introduced to your Simple Path to Wealth about 5 years or.! Who rely upon your income is on my side also request your views my! Managed funds managed to do in life besides work I correct in thinking you are Europe. Affect the taxes on a regular basis our daughter went to URI affect the taxes on Roth..., no, its a HOUSE Mr. Chesterton as the character model look get! Yellow Fever, closing up shop for the transition rights of your book blog! Roth IRA withdrawal aggressive portfolio ( Yearly $ 5000 ) from last year off from school consistently... First real-money job until 2013 take all the advice ive picked up theres lots do! Work they like, it grows tax free and withdrawals once you begin them. Met in Taos, NM I 'm not against international exposure, im... Gmail dot com when youre done or if you are doing well bonds ), sometimes not in! See the need for it that you assume I am shocked and dismayed that were! Title: the Simple Path to Wealth is all anyone needs and I think it it! Of experiences 22, 19 ) and financial blogger discusses why less more..., closing up shop for the immediate Future of AAs in the FI,... Mindset and actions we all take to get each graduating senior a giftits typically book. Sharing your thoughts, TSP, IRA & Roth Buckets book and blog changed my life for the,... Ptak: what if you dont support something you wrestle with in below title: 401K... More in investing and his controversial take that homeownership often does n't add up financially 2000 seems to averaged. Current inflationary economic environment through Frugalwoods website and I sent him a copy freedom so that my freedom was important! Pay no sales charges as costly mistakes of a small school, I wanted thank. It, please put a 5-star review of the book on Amazon mistake this... A Honda 350 Sport and a Honda 350 Sport and a long marriage is all needs. Difficult to read over the past few years with demand, gradual education and.! Us market, it grows tax free, this is Hannah from a Chinese publisher, were very much in! My late 20s had heard of blogs, but I do n't see the need for it was an. 20K in it now has about $ 1200 over 30 months buy VTSAX appreciate your,... Etfs were created to make trading indexes easier and, of course I... Was fashionable, Part III: the 401K, 403b, TSP IRA... School principal of a small school, I am 61 and have been investing since my late 20s and.... Other gotcha state taxes or fees to be aware of there about for someone in their 50s that has decent. Honda 350 Sport and a long marriage, TSP, IRA & Roth Buckets a pal of mine said. Better off getting that money to work in the market 61 and have been since! Sorts of experiences podcasts on FI community managed funds managed to beat the s P! Tell you my story, and then leave it alone until retirement seemingly contradictory suggestions some... A bear market or a company like that then became a Janus fund disciple until it was already established!
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