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Retire By InvestingUsing Your Retirement For Flexible InvestingIntroductionInvesting can be daunting for some people. The topic itself is scary because there is a lot of uncertainty, but the majority of our audience is into dollar cost averaging (DCA). In this article you will learn a different way to invest your money by capitalizing on money you have in your employer sponsored plan. If you do not have an employer sponsored plan then it may be a great time to look into it because you may be missing out on potential financial strategies.What are employer sponsored plans?Employer sponsored plans...2022-09-1804 min
Retire By InvestingThe Playing Field For Real Estate is Going to Level Out for Health Care Workers.IntroductionFor more than half a decade, tech employees have dominated the real estate market by buying homes with asymmetrical returns on their equities. This rapid increase in their net worth allowed them to snowball the majority of their gains to buy other assets that were increasing at a slower pace. Other occupations were no match when it came to purchasing homes because this group of people bought homes in cash. As a result, other occupations were shut out or had to settle for less. To be clear, this is not an article to bash on tech employees...2022-08-2803 min
Retire By InvestingThe Crypto Liquidity CrisisEveryone wants a recessionHindsight bias is always 20/20. Many people who lived through 2008 always say they should have bought more houses/a house during that time because they would be rich. The people that are saying this are definitely not wrong – they would have been rich if they did. Sadly, they didn’t. It’s very easy to point out the past and say exactly what one should have done, but very few understand what makes it possible to even do so.The hardest part is that people want a recession to happen, but when it happen...2022-07-0706 min
Retire By InvestingThe Paradox of Money.We have an articles section filled with free financial education. Click here to gain accessThis is a simplified version of a very complex topic. What’s written in this article is a very basic understanding to entice you to look deeper into the subject. This isn’t just for this article, but all of the articles that we write on this blog.The Illusion of IndividualismEveryone is looking out for themselves. This is a basic human behavior and there is no shame in that. Everyone thinks that they’re alone on this financ...2022-06-1504 min
Retire By InvestingHow Buying A House Can Snowball Your Investment GainsWe have an articles section filled with free financial education. Click here to gain accessIntroductionHome ownership allows one to have access to certain tax benefits. If you’re thinking that a house can lower your tax bill to some extent – you’re right. Home ownership not only gives you a tax deduction, but it also gives the average investor a way to utilize equity to cover a hefty tax bill rather than being forced to sell off investments. Massive wealth can be accumulated if an investor understands the creativity behind taxes and investment vehicles. In thi...2022-05-3103 min
Retire By InvestingRequired Minimum Distribution (RMD)RMD, or required minimum distribution, is how the IRS generates taxable income from your hard earned retirement nest egg. You cannot keep your retirement assets untouched indefinitely. The RMD law affects those with retirement accounts, excluding ROTH IRAs. Your RMD is the minimum amount you must withdraw from your account each year. After the SECURE Act (Setting Up Every Community Up for Retirement Enhancement) was passed, the RMD age moved from 70.5 years to 72 years of age. Basically if your 72nd birthday is after July 1, 2019 then you don’t have to take your first RMD until April 1 in the year after yo...2022-04-2904 min
Retire By InvestingIncome Bias vs Purchasing PowerIncome Bias vs Purchasing PowerPurchasing power is not the same as income. The amount of income one receives for their product or service determines one’s income, but it does not define the amount of wealth they have accumulated. Many people define someone making a decent amount of money by how many figures they make per year. Majority of people, through conversations, will frame upper class as anything more than 250k per year. No one necessarily talks about how many assets they’ve accumulated because net worth is more private than the amount of money one makes per...2022-04-0103 min
Retire By InvestingPros & Cons of a 20% Down Payment on a Home.IntroductionOwning a home is one of the biggest milestones for some people. A place to own and call home is something many wish they could do, but are unfortunately not able to. When an opportunity arises, many people think about their life within the home they are buying, but do not think about the financial risk. Majority of the conversations that occur in the workplace, or outings with friends, revolve around a 20% down payment on a mortgage to avoid Private Mortgage Insurance - otherwise known as PMI. Due to hearsay opinions, this concept of 20% down on a...2022-02-2103 min
Retire By InvestingBrokerage Account Tax Loop Holes for Beneficiaries1.Introduction.What is a Brokerage Account? It is an arrangement where an investor deposits money with a licensed brokerage firm. This firm places trades on behalf of the customer. What are the tax implications of selling investments in a Brokerage Account? When the customer sells an investment, they will need to pay either short term capital gains (income level taxes, see tax brackets - up to 39.6%) or long term capital gains (ranging from 0% to 20% based on taxable income). Capital gains is any profit your original investment has earned. Long term capital gains...2022-01-3104 min
Retire By InvestingHow To Read Our Market UpdatesHow To Read Market UpdatesDisclaimer: Every market update reflects the opinion of Retire By Investing based on the date in the title. Market updates are not financial advice. Please seek a licensed professional before investing or trading. We are not liable for any decisions you make based on our opinion.Explaining the ChartCandle sticksCandle sticks are important because they represent price movement in a minute, hour, day, week, or month. Depending on the timeframe that you’re on (in this case, we go by a weekly chart), you can di...2022-01-1705 min
Retire By InvestingUnveiling the Roth IRA1. IntroductionThe first Roth IRAs were opened in 1998 due to the Taxpayer Relief Act of 1997. This Act is arguably one of the greatest gifts Congress has ever given the American Taxpayer.What is a Roth IRA (R-IRA)?A Roth IRA is simply an after-tax individual retirement arrangement (IRA) that grows tax-free - giving the taxpayer the opportunity to pay their taxes upfront and owe nothing later.What is a Traditional IRA (T-IRA)?A Traditional IRA is a way to utilize tax-deferred income that grows - giving the taxpayer savings on...2021-12-2406 min
Retire By InvestingA Shocking Intro Into Bitcoin.Bitcoin is the apex asset class that is a true hedge against inflation. Bitcoin, known as being a cryptocurrency, has been labeled as an asset class after reaching a market capitalization of more than one trillion dollars. Bitcoin has been the leader for the past decade with a compounded annual growth rate (CAGR) greater than 150% when compared to all other asset classes. There has been no other asset class that has produced such a return in a small amount of time. Fundamentally, Bitcoin has a fixed supply cap of 21 million Bitcoin, making it one of the the most scarce resources...2021-11-3004 min
Retire By InvestingInflation Structure BillOn November 5th, 2021 a new 1 trillion dollar infrastructure bill was passed. There are many things to be watching for as the government starts to intervene with brute monetary injection of capital into the system. If you hold assets, this is definitely a plus for you, but if you do not own a house, stocks, crypto, or commodities – then you are an involuntary victim of what the government is doing to the lives of American people.You may be thinking, “why does it not affect those who hold assets?”Simply put, those who hold assets are going to bec...2021-11-1605 min