As a freelancer do you have access to a 401k? I would argue that prepaying your tax is better because it will allow you to get effectively more money into retirement.

That equation may change if you have access to a 401k or two. There is no way I could maximize my tax advantaged retirement accounts. So when I…

But you just deducted those taxes anyway. As long as you do it annually, your income taxes will look virtually the same as they would have if you had gone directly to a Roth. At least that is my understanding?

Excel formula Roth: =-FV(9%, 30, 4675) = 637,237.

I like it. I never understood why financial planners use the age of the person as a criteria. Any math I try to do indicates age does not matter. If you pay 15% going in or going out, the net amount is identical. This comparison assumes the Traditional IRA investor has more $ to invest, because he is not paying…

I don't think butter will spoil but it never had a logical place to go outside of the fridge. I suppose if I put it in a tupperware I could leave it in the pantry.

Athletes don't need to sign waivers. Participation in a sport is consent to anything within the rules of that sport. Specific liability, not common law liability, exists for things like duels.

When you're an intelligent person, giving bad financial advice IS challenging.

Depends, I have literally cut up cards that tick me off. I don't actually close the accounts. I'm lookin at you Chase (no more) Freedom.

Yeah, you can grow Kale inexpensively. I've seen people end up spending $15 per tomato though. Especially when blight hits.

Yes, it is not an ideal place for kale. Winter is out of the question. Mild spring and fall temps are sometimes interrupted by very cold weather in some years. Summer is safe, albeit a bit bittering.

Store brand was $.99 for eight ounces. It works, but it rules out a decent salad.

Nope... just a rural walmart. Lots of farmers markets, but they tend to be high in quality and price.

NY Daily News suggests buying Spinach and Kale on $4 per day. No tips on how to do that though. Last fresh spinach I bought was nearly $1 per ounce. That doesn't leave much for any other food.

So sleeping under a bridge is your logical argument for a solution?

It wasn't his bad decisions, necessarily. The industry drove the prices up and humans need a place to sleep. If he refinanced 12 times and spent all the equity on booze, sure.

Great tip, though this image is much more relevant.

Vanguard admiral funds have the same expense ratio as their etf equivalent. Also, their etfs have some of the lowest expense ratios. I was getting close to having enough money in some funds to switch to ETFs and use the lower expense ratios to pay for the 12 purchases I would make each year. Then they went ahead,…

This thing is really cool. It offers actual graphical information that was once only visible by reading each mutual fund prospectus and making up a spreadsheet.

If you're asking, particularly asking now, probably not.

"The Government has to take Hobby Lobby's religious views as they come, so off the table is any question about the accuracy of how Hobby Lobby views these contriceptives as agents of causing abortion"