Retirement Planning Archives - The Better Money Method

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Will the next bear market be worse than the dot.bomb or housing market crashes?

As of March 2018, the last market crash we experienced here in the United States ended in March of 2009. We have been in the second longest running bu...

Is the 4% Rule for Estimating Retirement Income Still Valid?

A recent study says today’s retirees have a whopping 57% percent chance of running out of money if they follow the 4% withdrawal strategy. What is t...

Better Money Method: IULs versus other retirement accounts

The Better Money Method is a customized approach to leveraging a life insurance product called an Indexed Universal Life (IUL) product to deliver livi...

How much of my retirement income will be taxed?

There is much confusion among retirees today regarding the tax treatment of Social Security benefits. The main question is, “Are Social Security ben...

How to Cut Uncle Sam Out of Your Retirement

Your contributions to your IRA or 401(k) are often tax-deductible now, but you WILL have to pay taxes on the withdrawals you make when you retire. Di...

gly Truth No One Tells You about IRA 401K_Better Money Method

IRAs/401(k)s: The Ugly Truth No One Talks About

The true cost of IRA and 401(k) IRAs and 401(k)s is hard to understand. You probably pay more fees than you realize. There are other drawbacks that ar...

Why Wall Street Averages Are Misleading

Beware! Many funds with a great average rate of return will lose money. It’s entirely possible that you can invest in a mutual fund or account wit...

zero is your hero_tortoise hare analogy in retirement

Zero is Your Hero: The tortoise and the hare analogy for retirement savings

This article explains in clear terms why "zero is your hero." An account that has a floor on loss, even with a conservative cap on gains, will outperf...

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Why Wall Street Averages Are VERY Misleading

It’s entirely possible that you can invest in a mutual fund or account with a great average rate of return and still lose money. This article explai...

Is the 4% Rule for Estimating Retirement Income Still Valid?

Conventional wisdom says it’s safe to rely on a blend of income from your IRA/401(K) or other qualified or non-qualified account plus your social se...