The end of the year is one of the most powerful moments to improve your financial life. A few intentional moves before December 31 can lower your tax bill, strengthen your savings, and set you up for a smoother year ahead. You don’t need a full financial overhaul—just a focused checklist and a little follow-through. … Read more

Summary: Yes but it’s only a replacement for space heaters and can never replace an electric heat pump because they are far more efficient. If you can tolerate the extra work, noise, and hassle, a bitcoin miner may be a fun way to generate heat and bitcoin as a small rebate. Every winter, I see … Read more

When I read The Millionaire Next Door by William Stanley, I was amazed at how many millionaires lived in plain sight. If you think about popular exposure to wealth – it’s pretty flashy. We’re trained, by television and social media, to think that millionaires live a life of excess. Big mansions, expensive cars, lots of … Read more

It’s easy to think the stock market is overvalued. There are so many measures that point in that direction. The simplest one is the Cyclically Adjusted PE Ratio (CAPE Ratio). It’s the price to earnings ratio for the S&P 500 and right now it’s over 40. The mean ratio is a bit over 17 and … Read more

Every year, the IRS updates various limits due to inflation. This covers everything from your tax rates and standard deductions to contribution limits for retirement accounts. Earlier this month, the IRS released the 2026 contribution limits for a variety of retirement accounts and despite their best efforts, it’s formatted like an encyclopedia. Here they are … Read more

If you’ve ever wondered how scammers know so much about you – your name, relatives, addresses, and even old phone numbers – it’s because of data brokers. And most of that information is public. If you want to fight back, you need to get your data deleted. It is a time consuming process so you … Read more

We live near Washington D.C. and one of the nice benefits of braving the beltway and within traffic is that you get access to a ton of free museums. All the Smithsonian museums in the area are free to enter (though some are timed entry so you just have to reserve a free pass) and … Read more

An old friend called me the other day and while catching up, we got onto the subject of investing. With all the uncertainty in the world, with artificial intelligence and large language models constantly evolving, and with market valuations as high as they are… what’s an investor to do? Where should we be putting our … Read more

Looking for something fun to do that doesn’t cost a dime? Whether you’re saving money, bored on the weekend, or just want to make the most of your free time, there are plenty of ways to enjoy life without spending a cent. Grab some friends—or go solo—and start making memories that don’t come with a … Read more

Gold has been in the news a lot since it’s shot up over 50% in value this year to the lofty price of over $4,000 an ounce. It was already big news when Costco started selling gold a few years ago, the recent run up in price has only made it even more popular. But … Read more