This post contains affiliate links. As an Amazon Associate I earn from qualifying purchases. Last month, I sat across from a couple in their mid-50s who had done everything right. They maxed their 401(k) every year, lived below their means, and had accumulated just over $1.4 million in tax-deferred accounts. On paper, they looked like … Read more
This post contains affiliate links. As an Amazon Associate I earn from qualifying purchases. I still remember the client who came into my office in 2007 convinced she needed a traditional IRA because her coworker told her so. She was 34, earning $68,000 a year, and planning to retire early. She had never run a … Read more
This post contains affiliate links. As an Amazon Associate I earn from qualifying purchases. A few years ago, a surgeon came to me frustrated. She was earning just over $230,000 a year, had maxed out her 401(k), and kept hearing that she “made too much” to contribute to a Roth IRA. She assumed that door … Read more
This post contains affiliate links. As an Amazon Associate I earn from qualifying purchases. About three years ago, I sat across from a 58-year-old client — a former hospital administrator with $1.4 million sitting in a traditional IRA — and told her something I would have said very differently a decade earlier. I told her … Read more
This post contains affiliate links. As an Amazon Associate I earn from qualifying purchases. Last spring, I sat across from a 54-year-old engineer — let’s call him David — who had done nearly everything right. He maxed out his 401(k) every year for two decades. He had a diversified portfolio. He even had a Roth … Read more