Yep, this is a first, and a bit of an experiment. I know I am venturing outside my area of expertise, but this review is at least consistent with the general objective of this website, the sharing of useful information.
It may seem premature for a thirty-four year-old to be thinking about his golden years. Hardly. By saving now, and investing wisely in tax-advantaged accounts, we can have far greater influence over our finances in retirement than if we wait. I only regret not reading The Power of Zero earlier.
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Good advice. Sticking to the plan seems to be the hard part for many. For a person like myself who dislikes uncertainty, it is a challenge to invest in a market with an unknown future, even though over any 25-year period, when I will be 59) the market returns better gains than anything else historically. I have slowly bought into this, and now dump money into our accounts and buy index funds whenever I have excess cash. In 2040, that investment will be worth more than it is today.
Without prejudice to the information on retirement vehicles in the book, I would not pin all your hopes on the idea that these methods will avoid taxes in the future. If the author is correct that the federal government will need to dramatically increase tax rates, the possibility exists that the government will change the rules, and decide to tax the capital gains in your ROTH IRA. After all, this is what happens to gains taken from an ordinary brokerage account, even though your investments were purchased with after-tax dollars. If the government really needs the money, it will go where the money is.
Another thing to think about is a health care savings account. If you pay for your own health care insurance, this is a tax advantaged way to save some money. HSAs are not popular with banks, so it takes some investigation to find a place to open one. Just like IRAs, the money needs to be invested in order to have any kind of return, but it provides a way to pay for medical expenses with pretax money.
Since Amanda works for CU, which has a relatively generous health care benefit, we are thankfully in pretty good shape in this front right now. But if she were to leave then we would definitely be looking for options.
Second thing that jumps out at me is touting LIRPs as flexible tool to pay for long term care. Long term care in most cases will be a deductible expense. That is, you will deduct those expenses from your income whenever they happen. The long term care expenses are already tax friendly.
The cost plan participants actually pay vary widely from plan to plan. I work for one of the largest 401k providers in the nation and most participants pay fees solely based off how they choose to invest their money. Most plans offer institutional class index funds with under .1% expense ratios. I currently have an index fund well under .1% and a variety of active funds under 1%. All of my contributions are made on a Roth basis, which is an increasingly available options in 401ks. you would be hard pressed to find any insurance product that will deliver more actual usable after tax money in retirement than a Roth 401k with $18k contributions limits, no phaseouts, and very low costs borne by the participant.
The basic axiom of saving for any goal is simple. Every dollar you save today means less money that you will need to scrounge tomorrow. Period. Even if you are the worst possible investor and lose 50% a year, someone who puts away $100 a year, will after 25 years, have more than the person who put away nothing. As simple as it sounds, in any discussion on retirement savings, you need to start here: For the simple reason that given contradictory information, human nature would have us put the whole thing off.
To state that piling as much as you can into Roths during working years is always better than paying any income taxes in retirement is terribly misguided. In my highest earning years, I am deferring at 25% Federal, 8% state with traditional. I would much rather pay 12% Federal for much of this in retirement (up to first 89K per year, not to mention nearly 30K standard deduction).. By paying zero in retirement means that you are not leveling out income to consistently take advantage of the lower brackets each year.
3. Audiobook can be played at any speed. I usually listen to non-fiction and popular science audiobooks at speed x2. Fiction (e.g., 1984 was my last) or something semi-difficult (e.g., The Great Courses: The Medieval World), x3 is very comfortable for me. If I get something very serious and packed with advice, I have to slow down to x1.5 (e.g., The Conversion Code or Tribes). This way, you can audio-read to a 15-hour book in 7.5 or even just 5 hours.
You not only get used to the speed, but it becomes literally painful to listed audio content at x1. For example, I love TED Talks but their app plays only at x1. They sound sooooo slow.
I just open them on YouTube and play back at x2.
Warning: The habit to listed at x2 seems to make me talk fast. Those who know me know how fast I talk and I think my audiobook addition is partly to blame.
Project Zero Trust is an ideal resource for aspiring technology professionals, as well as experienced IT leaders, network engineers, system admins, and project managers who are interested in or expected to implement zero-trust initiatives.
Narrating from the points of view of both the attacker and the victims, he explains why each attack was so successful and how it could have been prevented in an engaging and highly readable style reminiscent of a true-crime novel. And, perhaps most importantly, Mitnick offers advice for preventing these types of social engineering hacks through security protocols, training programs, and manuals that address the human element of security.
Essays cover the ever-expanding role of technology in national security, war, transportation, the Internet of Things, elections, and more. Throughout, he challenges the status quo with a call for leaders, voters, and consumers to make better security and privacy decisions and investments.
I can still remember being 4 years old and telling my best friend I was going to save up for a Michael Jordan rookie card. I worked odd jobs, saved every penny, and at age 6 I did it: I bought a Michael Jordan rookie card for one thousand dollars. I had no interest in toys: just Jordan.
Many hours a day I practiced these dunks on my Little Tike hoop in the garage. By age 9 I was waking up at 5 a.m. to do vertical jump programs before school. Thousands of nights I dreamed of dunking like Michael Jordan. Not once did I dream of lying half-naked on an operating table as doctors used markers to draw where they were going to cut me open.
Chronic knee pain secretly dominated my life starting at age 12. I remember during a fire drill at school being worried that if a real fire broke out, I'd be the last one out. Unless I was warmed up, I couldn't even run, and I had to go up and down stairs very slowly to avoid the pain.
By 14 it was not so secret: My teammates and coaches nicknamed me "Old Man" because my knees were so stiff. I finished high school with scars on my knee, not even close to dunking a basketball, and with no college coaches interested in giving me a scholarship.
I recall the moment it hit home that my dream of being a basketball player had not succeeded. I had a real decision to make: What would I do with my life now? Would I choose a logical career and forget basketball, or would I devote my existence to figuring out how to bulletproof my knees?
I scrambled on the internet looking for examples of this, and the first video footage I found was from Australian Strength Coach Keegan Smith, a student of Charles Poliquin. I became a student of Charles myself, and learned enough to get my knees to the point where I could play basketball with manageable pain.
At age 21, I beat the odds and signed a college basketball scholarship with an up-and-coming coach named Jeremy Shulman. He was the only coach who gave me a shot, and I repaid him by becoming the starting point guard for his team and helping him win two straight conference championships in one of the strongest community college divisions in the nation.
At age 23, I received a full-ride scholarship offer from Boston University. From unrecruited in high school to Division 1 scholarship, local kids back home were reaching out to have me train them whenever I was in town. No one had ever heard of such a story, and people wanted to know how I had pulled it off.
Little did I know, an NCAA rule allowed only 5 years of eligibility to play sports after graduating high school, and my time was up. I assembled all my medical records, and Boston University appealed the ruling, but once again I was denied. It was suggested that I get a lawyer and fight the decision in time for the start of the season, but I knew it was meant to be: My purpose was to follow the clues I learned from Charles Poliquin, and see what I could achieve with knees over toes.
Fast forward to today. At 30 years old I have the abilities I always dreamed of: I can DUNK, and not just a little bit. I've now trained many NBA players and it is still surreal for me, as a 6'1 guy who grew up unable to grab the rim, to teach 6'6"+ NBA players how to improve their dunks, and physically demonstrating the precise next dunk which would improve their game but which they cannot do yet, thanks to the system of knee training you are about to learn.
Knee Ability Zero is a program which requires zero weights, zero equipment, and zero special abilities to start. You can read, study the pictures, and follow right along! I will teach you how to perform each exercise with written explanations and visual demonstrations. You will do the exercise, then come back to your book and read the "Why" behind the exercise.
Your tibialis anterior muscle is on the front of your lower leg. It acts both to flex your toes up, and to decelerate your foot when you walk, stop running, jump, etc., which you will see examples of when you get to the "Why" section for this exercise:
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