401k50thactadvisoranniversarybackbarrybearbigcarechangesclientcolacoronaviruscycledavedividendelectionfederalfinancefinancialgoguideindependenceinflationinsuranceinterestinvestinginvestorknowlessonslonglookinglossesltcltcimarketmightmoneynevernextoldpersonalplanningqcdsquestionsratesreformretireretirementreturnsritholtzsecuresecuritysocialstartstockstockstaketalkingtaxtaxestermtheoriesthingstroubletrumpuglyupdateupdatesvaluevolatilityworldyear