This past year, I finally went ahead and rolled over my Roth IRA from Betterment to Vanguard. It’s been a long time coming. Indeed, a year ago, I wrote a post about how I was going to do exactly that – then, of course, I procrastinated and did nothing for the next 12 months. What […]
Saving
Sub-Savings Accounts: The Best Way To Handle Short-Term Savings Goals
A reader recently asked me a question about how I recommend people handle their short-term savings goals. After crafting my response, I decided it was actually worth elaborating a little bit more about the short-term savings system I’ve used for much of my life. By using this system, I’ve been able to buy the stuff […]
A Confession: I Cut Back On Saving (And I’m Kinda Broke Now)
For the past few years, my savings numbers, I think, have been pretty good. I graduated from law school back in 2013 with zero dollars in savings and $87,000 in student loans. My net worth, obviously, was well into the negatives. Fast forward five years later and things are looking pretty different. My student loans are […]
The Privilege Of Biking To Work
I bike to work five days a week, and every once in a while, I like to reflect on how fortunate I am to be able to do that. It’s a wonderful situation that I find myself in. I live close enough to my office that biking to work isn’t a particularly difficult thing for […]
You Choose What You Can Afford
Sometime not too long ago, my wife and I had lunch with my brother and a friend of his. It was our first time meeting this friend, so we got into all of the usual pleasantries that come with meeting someone – what do you do, where do you live, and other things like that. […]