[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-nl-bnr-1.jpg” background_position=”top_right” background_repeat=”repeat” custom_margin=”||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”50px||50px||true|false” background_last_edited=”on|phone” background_position_phone=”center_right” background_horizontal_offset_phone=”6%” background_blend_phone=”normal” collapsed=”on” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” min_height_tablet=”” min_height_phone=”” min_height_last_edited=”on|phone” custom_padding=”||||true” custom_padding_tablet=”0px||0px||true|false” custom_padding_phone=”||0px||false|false” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”NEWSLETTERS FROM THE ARCHIVE” title_tablet=”NEWSLETTERS FROM THE ARCHIVE” title_phone=”NEWSLETTERS FROM THE ARCHIVE” title_last_edited=”on|tablet” disabled_on=”on|on|off” _builder_version=”4.27.4″ _module_preset=”default” title_font=”|600|||||||” title_text_color=”#FFFFFF” title_font_size=”42px” custom_margin=”||0px||false|false” title_font_size_tablet=”35px” title_font_size_phone=”33px” title_font_size_last_edited=”on|phone” title_line_height_tablet=”” title_line_height_phone=”1.1em” title_line_height_last_edited=”on|phone” title_text_shadow_style=”preset1″ title_text_shadow_vertical_length=”0em” title_text_shadow_horizontal_length_tablet=”” title_text_shadow_horizontal_length_phone=”” title_text_shadow_horizontal_length_last_edited=”on|phone” title_text_shadow_vertical_length_tablet=”0em” title_text_shadow_vertical_length_phone=”0.1em” title_text_shadow_vertical_length_last_edited=”on|phone” title_text_shadow_blur_strength_tablet=”” title_text_shadow_blur_strength_phone=”” title_text_shadow_blur_strength_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_heading][et_pb_text disabled_on=”off|off|on” _builder_version=”4.27.4″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#FFFFFF” text_font_size=”28px” text_line_height=”40px” global_colors_info=”{}”]<\/p>\n
NEWSLETTERS
FROM THE ARCHIVE<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115″ custom_padding=”||||false|true” collapsed=”off” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22background_color%22%93}”][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”First Row” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”||8px|||” custom_padding_tablet=”0px||0px||false|false” custom_padding_phone=”0px||8px||false|false” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”The Ten Commandments of Financial Planning” url=”https:\/\/financiallyspeaking.substack.com\/p\/the-ten-commandments-of-financial” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
A few key principles guide my financial planning philosophy for myself and others.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/the-ten-commandments-of-financial” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” position_origin_a=”bottom_center” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”Ten Nearly Universal Truisms of Personal Finance” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” link_option_url=”https:\/\/financiallyspeaking.substack.com\/p\/ten-nearly-universal-truisms-of-personal” link_option_url_new_window=”on” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
We all make money mistakes as the deck is stacked against us.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/ten-nearly-universal-truisms-of-personal” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” position_origin_a=”bottom_center” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”The Ten Commandments of Spending and Saving” url=”https:\/\/financiallyspeaking.substack.com\/p\/the-ten-commandments-of-spending” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
Spending and saving are flips sides of the same coin. I’ve seen many strategies on how to spend less, save more, and be financially resilient.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/the-ten-commandments-of-spending” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22,%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22,%22button_text_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”2nd Row” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”||8px|||” custom_padding_tablet=”0px||0px||false|false” custom_padding_phone=”0px||8px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”Ten Nearly Universal Truisms of Personal Finance” url=”https:\/\/financiallyspeaking.substack.com\/p\/ten-nearly-universal-truisms-of-personal” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
We all make mistakes with our money as the deck is stacked against us.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/ten-nearly-universal-truisms-of-personal” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”The Ten Commandments of Investing” url=”https:\/\/financiallyspeaking.substack.com\/p\/the-ten-commandments-of-investing” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
Quantum mechanics is mysterious and counter-intuitive; investing isn’t. Here are my Ten Commandments to maximize your lifetime net worth.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/the-ten-commandments-of-investing” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22,%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22,%22button_text_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”Top Ten Places to Save” url=”https:\/\/financiallyspeaking.substack.com\/p\/save-more-money” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
Besides fewer carbs and more steps, many of us resolve to do less spending and more saving. If that includes you, here\u2019s my top 10 (OK, 12) places to save your money.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”http:\/\/Besides%20fewer%20carbs%20and%20more%20steps,%20many%20of%20us%20resolve%20to%20do%20less%20spending%20and%20more%20saving.%20If%20that%20includes%20you,%20here\u2019s%20my%20updated%20list%20of%20the%20top%2010%20(OK,%2012)%20places%20to%20save%20your%20money” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22,%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22,%22button_text_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” admin_label=”3rd row” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”||8px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”How much do I need to save for retirement?” url=”https:\/\/financiallyspeaking.substack.com\/p\/how-much-do-i-need-to-save-for-retirement” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
Everyone of a certain age asks some variation of this. Here\u2019s how I answer the question of how much you need to amass in retirement savings to maintain your existing standard of living…<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/how-much-do-i-need-to-save-for-retirement” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22,%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22,%22button_text_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”How do I invest in a socially responsible manner?” url=”https:\/\/financiallyspeaking.substack.com\/p\/from-the-mailbag-how-do-i-invest” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
Socially responsible investing is a great idea in theory but dubious in practice as it\u2019s just marketing hype. But first, what is it?<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/from-the-mailbag-how-do-i-invest” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”Should you rent or buy your home?” url=”https:\/\/financiallyspeaking.substack.com\/p\/should-you-rent-or-buy-your-home” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
I\u2019m asked this question often and my two cents on this topic may be counter-intuitive to more conventional wisdom and can meet with resistance.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/should-you-rent-or-buy-your-home” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22,%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22,%22button_text_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” admin_label=”4th row” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”||8px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”Maximize Your Roth IRA” url=”https:\/\/financiallyspeaking.substack.com\/p\/maximize-your-roth-ira” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
Here are six ways to contribute to a Roth, each with its own limitations, complexities, and trade-offs. They\u2019re not mutually exclusive. Your older self will be grateful.<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/maximize-your-roth-ira” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22,%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22,%22button_text_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”Things To Do While You’re Still Sentient” url=”https:\/\/financiallyspeaking.substack.com\/p\/things-to-do-while-youre-still-sentient” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
You may have reached a point in your life where you recognize that you\u2019re not so young anymore but, your mental faculties remain intact. If that\u2019s you…<\/p>\n
[\/et_pb_blurb][et_pb_button button_url=”https:\/\/financiallyspeaking.substack.com\/p\/things-to-do-while-youre-still-sentient” url_new_window=”on” button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”][et_pb_blurb title=”CDs and High-Yield Savings Are Over-Rated” url=”https:\/\/financiallyspeaking.substack.com\/p\/cds-and-high-yield-savings-are-over” url_new_window=”on” image_icon_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ header_line_height=”1.1em” body_text_color=”gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf” body_font_size=”14px” body_line_height=”1.3em” height=”120px” height_tablet=”120px” height_phone=”120px” height_last_edited=”on|desktop” header_font_tablet=”|600|||||||” header_font_phone=”|600|||||||” header_font_last_edited=”on|tablet” body_font_size_tablet=”16px” body_font_size_phone=”14px” body_font_size_last_edited=”on|tablet” global_colors_info=”{%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22,%22header_text_color%22%93,%22gcid-77c401e3-09d0-4c6e-b8e3-28db35589ccf%22:%91%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22,%22body_text_color%22%93}”]<\/p>\n
With interest rates higher than they\u2019ve been in a generation, high-yield savings accounts and CDs are the rage. I\u2019m not sure why…<\/p>\n
[\/et_pb_blurb][et_pb_button button_text=”Read More” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045″ button_bg_color=”gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6″ button_border_width=”0px” button_use_icon=”off” custom_padding=”||||false|true” hover_enabled=”0″ custom_css_main_element=”width: 100%;” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22button_bg_color__hover%22,%22button_bg_color__hover%22%93,%22gcid-0f6c6edd-39e6-4de0-b59d-059581e1e045%22:%91%22button_text_color%22%93,%22gcid-b8de08f7-112b-4311-ac8a-4de10419dcc6%22:%91%22button_bg_color%22,%22button_text_color%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#cfe1eb” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#0f63a3″ url_new_window=”on” button_url=”https:\/\/financiallyspeaking.substack.com\/p\/cds-and-high-yield-savings-are-over” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-fpl-side-bg-grad.jpg” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” custom_margin_tablet=”||||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”||||false|false” custom_padding_tablet=”0px||0px||false|false” custom_padding_phone=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”SIGN UP FOR MY” _builder_version=”4.27.4″ _module_preset=”default” title_font=”|600|||||||” title_text_align=”center” title_text_color=”#FFFFFF” title_font_size=”38px” custom_margin=”||3px|||” title_font_size_tablet=”38px” title_font_size_phone=”28px” title_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_heading title=”EMAIL NEWSLETTERS” _builder_version=”4.27.4″ _module_preset=”default” title_font=”|800|||||||” title_text_align=”center” title_text_color=”#FFFFFF” title_font_size=”42px” title_letter_spacing=”2px” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_phone=”||||false|false” custom_padding_last_edited=”on|phone” title_font_size_tablet=”42px” title_font_size_phone=”30px” title_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_code _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]