Weird hack with after tax basis in an IRA: - You can't single out after tax dollars to convert into a Roth - But you can rollover your IRA into your 401k (and 401ks only accept pre-tax dollars) - Then you're left with after-tax dollars in your IRA - And then you can convert

I find when someone is chasing high returns it's usually a sign their savings rate is too low. Don't focus on things you can't control as a solution to hit your financial goals.

Warren Buffett: 99.9 Billion Net Worth & 81 years investing What does he recommend? • Be patient • Buy quality • Don't follow the crowd • Focus on temperament, not intellect Investing is simple. Human behavior is not.

I usually hate business fiction books but this one has actually been pretty good. Note, not reading to sell. Am reading so I can take a vacation at some point.

I remember I used to feel like a workout didn’t count if I didn’t have my watch on to track it. Insane. Anti optimization, slow FI, less tracking is the future.

"They're a really nice guy" is the thing I always hear right before someone tells me their advisor doesn't do anything beyond investment management. You shouldn't pay for nice. You should pay for expertise.

FI community loves to focus on a target number. I’m not a fan for reasons mentioned here:

Last week, Congress passed a $4.5 trillion tax bill that will change financial planning for millions From bonus depreciation to PTET to a much higher SALT cap... Here’s what’s inside the Big Beautiful Bill and how it could impact you:

One of my favorite finance authors wrote a new book. I’ve read the intro and it’s already shifting my perspective. I think the future belongs to those who spend enough time with deep work and deep thinking to produce interesting work. Congrats Nick Maggiulli