Investing in alternative assets has become an increasingly popular way to diversify beyond traditional stocks and bonds. Wine and whiskey, in particular, are gaining traction due to their potential for strong returns, resilience during economic downturns, and rising demand.

In this episode, I speak to Anthony Zhang, CEO and Founder of Vinovest, a platform that enables individuals to invest in fine wine and whiskey. We'll talk about why wine and whiskey have performed well and why they are a growing asset class. 

I also talk to Anthony Zhang about bringing awareness to spinal cord injuries, after his own accident, and how we can help. 

If you'd like to explore Vinovest's offerings, you can sign up here. 

Related post: Sip, Savor, Profit: Investing In Fine Wine And Whiskey

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If you enjoyed this episode, please rate, share, and review. Every podcast takes hours to produce. Your support means a lot!

Finally, if you want to achieve financial freedom sooner, join 60,000+ readers and sign up for my free weekly newsletter. Everything I write is based off firsthand experience because money is too important to be left up to pontification.

If you have children, you likely want to provide them with the best education possible, which may include helping them get into a top college. Along the way, you may come across college consulting services and wonder how beneficial they really are.

In today's episode, I speak with Alice Chen, Founder of BrightStory Admission Consulting, to find out more about the service. 

Alice is a daughter of immigrants and grew up in the Boston area. Alice’s father was a research scientist and her mother an auditor, so Alice grew up thinking that those who studied and worked the hardest would succeed.

But after attending Stanford and working in TV journalism, Alice quickly learned that IQ was not the most important factor for workplace (and life) success.

Alice created BrightStory to offer the mentoring she wishes she had as a teen. Alice also created Happy Asian Woman, a newsletter focused on wellness and living a meaningful life, and she incorporates these values into her coaching work.

*****

If you enjoyed this podcast, I'd appreciate a share and a positive review. It helps keep me motivated to finding new guests to share with all of you. Every podcast takes hours to record and produce.

To expedite your journey to financial freedom, join over 60,000 others and subscribe to the free Financial Samurai newsletter. Financial Samurai is among the largest independently-owned personal finance websites, established in 2009.

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Related posts:

The Wide Implications Of The College Admissions Scandal

An Asian American's View On Affirmative Action

Is Private K-12 Worth It?

What If You Go To Harvard And End Up A Nobody?

Property bidding wars are back, despite persistently high mortgage rates, due to the strength of the economy and the stock market. This episode discusses why people are getting into bidding wars and the best time of the year to buy a house. 

Articles referenced:

Understanding Why People Getting Into Property Bidding Wars

Analyzing Housing Price Dynamics: Helping Buyers Buy At The Best Time

Real estate is my favorite asset class for most people to build long-term wealth. If you'd like to invest in real estate without a mortgage, check out Fundrise, my favorite private real estate platform. The investment minimum is only $10 to help you diversify and earn more passive income. 

Financial Samurai is a six-figure investor in Fundrise funds and Fundrise is an investor in Financial Samurai. 

Join 70,000 others and subscribe to my free weekly newsletter. You'll increase your chances of achieving financial freedom sooner if you do. 

Thinking about retiring? Contrary to popular belief, the ideal age to retire is not ASAP! After 10 years of early retirement, or fake retirement as I like to call it, let me share the best age range to retire to minimize regret and maximize happiness.

Post for more details and charts: The Ideal Age To Retire To Minimize Regret And Maximize Happiness 

Great retirement products:

Personal Capital - Favorite free wealth management app. I've been using the app since 2012.

NewRetirement - A fantastic retirement speciality planner with more powerful features. 

More Financial Samurai:

Buy This, Not That - My WSJ bestselling book on helping you achieve financial freedom sooner, rather than later. 

Financial Samurai Free Weekly Newsletter - Join 55,000+ others and never miss a thing. 

Recently, I came up with a thesis on November 1, 2022 that the 2.7% decline in the Series I Bond rate was the most bullish economic indicator I've seen all year. See: The Most Bullish Indicator Yet

Nine days later, on November 10, 2022, the thesis was spot on as October inflation numbers came in below expectations. How did well-paid PhD economists & Wall Street strategists not recognize upcoming inflation figures will likely come in below EXPECTATIONS?

Conversely, how did a tired, stay-at-home dad without a job since 2012 get it right? This episode is on how to make better investment forecasts to hopefully make more money. We won't be able to get investing right all the time, but we can do work to help increase our odds of making better decisions.

To Support Financial Samurai:

Buy This, Not That: How To Spend Your Way To Wealth And Freedom (Instant Wall Street Journal Bestseller to help you build more wealth and make more optimal choices.)

How To Engineer Your Layoff: Make A Small Fortune By Saying Goodbye (The #1 book on helping you negotiate a severance. Mass layoff season is here. Prepare yourself to walk away with potentially more money.)

Free Financial Samurai Newsletter (Join 55,000+ subscribers so you never miss a thing)

Follow On Twitter @FinancialSamura

FTX, the second largest cryptocurrency exchange collapse overnight from over $16 billion to $0. A discussion on what happened and what we can learn as financial freedom seekers and small business owners to preserve our wealth. The developments are still ongoing. 

See: Lessons Learned From The FTX Collapse

Also, mass layoffs are heating up. I recommend preparing for a layoff before you are actually laid off. Because once you're laid off, you no longer have leverage. Please read How To Engineer Your Layoff: Make A Small Fortune By Saying Goodbye. You can save $10 off the book by inputting "saveten" during check out. 

Join 55,000+ others and sign up for my free weekly newsletter so you never miss a thing on Financial Samurai. Everything is written based off firsthand experience and knowledge. 

This week, the Treasury department announced Series I bonds will pay an annualized interest from November 1, 2022 through April 2023 of 6.89%, down from the 9.62% rate offered since May 2022. A 2.73% decline is massive. 

Learn what it means for the economy, stocks, and real estate. 

Key links:

Post to read: It's Easier To Generate More Passive Income In A Bear Market

Purchase a hard copy of my instant Wall Street Journal bestseller, Buy This, Not That. It will be the best personal finance book that you will ever read. 

Join 60,000+ other subscribers and sign up for my free weekly newsletter here. I review all the week's key insights and posts. 

 

Although going through another bear market is a bummer, the positive is we can all generate more passive income! And given we can now generate more passive income we can also get that much closer to financial freedom!

Mentioned posts:

It's Easier To Generate More Passive Income In A Bear Market

How To Have A Risk-Appropriate Asset Allocation When Investing

Great Products:

NewRetirement - An excellent retirement planning software

Fundrise - My favorite way to invest in private real estate and diversify a portfolio for less volatility and more passive income

Buy This, Not That: How To Spend Your way To Wealth And Freedom - The best personal finance book

 

Investing during a bear market can be a very emotional experience. Learn how to quantify your risk tolerance, have a more risk-appropriate asset allocation, and feel more calm in any market.

Mentioned posts:

How To Have A Risk-Appropriate Asset Allocation

How To Quanity Your Risk Tolerance With FS SEER

How To Enjoy Your Life As The Fed Ruins The World

Sign up for free weekly newsletter here.

Pick up a hard copy of Buy This, Not That if you want an unfair competitive advantage in building more wealth. 

Here's a deep dive into how I'm investing my cash stash in this bear market to make money, stay liquid, and take advantage of the current situation. 

Post mentioned: How I'm Investing $250,000 In Today's Bear Market.This became a viral post that got picked up by Flipboard and Google. 

To gain an unfair competitive advantage in building wealth, pick up a hard copy of Buy This, Not That: How To Spend Your Way To Wealth And Freedom. I synthesize my 27 years of investing experience to help you grow your wealth and make better decisions. 

Sign up for my free weekly newsletter here. Every week, I'll recap the most important posts and financial topics with my own spin so you never miss a thing. 

Disclaimer: This episode is not investing advice for you since we have different financial situations and you are not my client. I have no clients. This is my own thought process on how I'm deploying my cash. Please do your own due diligence before making any investment. Your decisions are yours alone. 

This may be the most important episode you will listen to this month. With interest rates zooming higher, the interest in treasury bonds has also skyrocketed.

Learn how to buy treasury bonds directly and on the secondary market. I'll also share my treasury bond buying strategies to help you make more informed decisions. 

Mentioned post: How To Buy Treasury Bonds

One of the main reasons why I wrote Buy This, Not That was to better protect people during downturns. There is simply too much wild Wild West nonsense in the investing space. The book is on sale at Amazon today. 

Join 50,000+ others and sign up for my free weekly newsletter here. I highlight the latest events and share my candid thoughts on why they matter. 

Although the Fed still plans to aggressively hike the Fed Funds rate as inflation and the economy is slowing down, look at the positive. Short-term treasury bills are yielding 4%!

Even though the yield curve is inverted, portending to a deeper recession, at least we can earn a higher rate on our risk-free money.

If you are a homeowner with a mortgage rate of less than 4%, you can now live for free! HOORAY! 

Actions Items

Pick up a hardcopy of my new Wall Street Journal bestseller, Buy This, Not That. If you want an unfair competitive advantage to building more wealth, this book is it.

Join 50,000+ others and sign up for my free weekly newsletter. I recap the week's main events and share my thoughts as a 28-year finance veteran. 

Unfortunately, August 2022 inflation data came in above expectations, resulting in rising bond yields and a collapse in the S&P 500. In this episode, I discuss three ways to perserve capital given stocks will likely struggle for the rest of the year.

* High yield cash account Personal Capital Cash

* 3-month treasury bills

* Heartland real estate to capture strong rents with Fundrise

I also share my thoughts on the best time to upgrade to your move-up property. One of the few silver linings of an aggressive Fed!

I talk to Emily Luk, Co-Founder and CEO of Plenty, a wealth platform for today's modern couples about her career path from VC, to joining a big startup, to creating her own startup. I wanted to now why she lifted a cushy job with good pay.

If you're a couple interested in a great tool to manage your finances together, check out Plenty. They've got a great cash flow tool that enables individual, joint, and private money management. Plenty also offers Direct Indexing investment at a low cost. 

I've personally met the team multiple times in their offices in San Francisco as I consulted for them. 

If you've enjoyed this episode, please leave a review. Every episode takes hours to produce and every review means a lot.

Thanks!

Sam

Ever wonder what the ideal income and net worth is for maximum happiness? Look no further than the income threshold the federal government decided for receiving student loan forgiveness!

Check out the post here and leave a comment with your opinion. Here's a post if you want to learn how to convince people you are middle class when you're actually rich! 

Finally, if you want an unfair competitive advantage in building more wealth and tackling some of life's biggest dilemmas, pick up a hard copy of my WSJ bestseller, Buy This, Not That. The book has the biggest sale on Amazon. 

You could view the Quiet Quitting Movement as just another weak excuse by the younger generation not to work as hard. Or, you could see it as a huge net positive for society to help alleviate constant stress and anxiety in a post-COVID world. 

The boundary between work and personal life has completely blurred for millions of work-from-home folks in particular. As a result, more people are burning out. 

Quiet Quitting is also wonderful for parents, whom I think suffered the most during the pandemic. Feel free to share your thoughts in my Quiet Quitting post.

Support my work by picking up a hardcopy of my WSJ bestseller, Buy This, Not That. It is your unfair competitive advantage to building more wealth and making better decisions. 

Finally, join 50,000+ others and sign up for my free weekly newsletter. I highly the major events of the week and my candid thoughts. 

I started investing in private real estate funds and syndication deals at the end of 2016. I'm now firmly in the window where distributions will start to be paid. Let me share with you my key lessons learned to help you make better private real estate investment decisions.

If you want to go deeper into real estate, I discuss real estate over three chapters in my Wall Street Journal Bestselling book, Buy This, Not That. Amazon is having a great 31% off sale.

Also, shoutout to Fundrise, my favorite real estate investing platform that focuses on single family and multi-family homes in the Sunbelt. Relocating to lower-cost areas of the country is a multi-decade trend I am investing in thanks to technology. 

My new book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom, is now LIVE! Order a hardcopy online today by clicking the link or call your local bookstore and order from them.

After a long 2.5-year journey, my wife and I reflect on what it took to create this new bestseller. When in doubt, do hard things! I'm certain BTNT will help change your life for the better.

You can purchase on Amazon, Barnes & Noble, or anywhere that sells books. It is a #1 bestseller on Amazon in Retirement Planning and is tracking to be a WSJ Bestseller. Thank you for your support and I'd appreciate a postiive 5-star review online if you enjoyed it. 

-Sam, Financial Samurai 

If you don't speak up for yourself, nobody else will. As a result, you must fight for every opportunity you think you deserve. Don't be shy. Don't feel like you don't belong. Because you do.

Mentioned posts:

How To Convince Someone You Are Bad When You're Actually Pretty Good

I Could Have Been A White Man, But I Remained Asian

It's launch week! Pick up a hard copy of Buy This, Not That: How To Spend Your Way To Wealth And Freedom. And if want to listen to audio, it's over 12 hours long!

Here is a logical and smart way to determine your financial satisfication and happiness. The Financial Samurai Wealth Reality Ratio will also determine whether you are reasonable or delusional in your wealth accumulation goals. The ratio will also help you determine how big of a net worth you need to feel wealthy before relocating to another city.

You'll find more of this type of insightful and derivative thinking in my new bestseller, Buy This, Not That: How To Spend Your Way To Wealth And Freedom. Order a hardcopy today! It'll be one of the best personal finance books you'll ever read. 

Thinking of retiring early to pursue new interests? In June 2022, I celebrated my 10-year anniversary of early retirement, or as I like to say, fake retirement. Here are my 11 most important takeaways. FIRE is worth it!

To help you achieve financial independence sooner, pick up a hard copy of my new book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom. It's full of actionable advice that also helps you tackle some of life's biggest dilemmas with less regret.

Also sign up for my free weekly newsletter so you never miss a thing. Financial Samurai started in 2009 and is one of the largest personal finance sites today with over 1 million organic pageviews a month.

 

Mythoughts on investing in stocks and real estate for the second half of 2022. I'm getting more optimistic that inflation is currently peaking. As a result, I'm deploying more capital to both asset classes.

Sign up for my free weekly newsletter here.

Also, pick up a hard copy of my new book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom. 

The bear market is here again! But there is a silver lining that I want to talk about in this episode. It's for all you hard-working, burned out folks out there!

Post mentioned: 10 Years Of Fake Retirement Later: Important Lessons Learned

Please pre-order a hard copy of my upcoming book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom. It'll be the best book you'll ever read.

Most of the personal finance community loves to recommend index funds as a way to get rich. However, the truly rich didn't get rich by investing in index funds. They got rich by taking concentrated bets in individual positions and building businesses. Let's discuss! Posts mentioned: https://www.financialsamurai.com/the-two-levels-of-rich/

https://www.financialsamurai.com/what-is-considered-mass-affluent-definition-based-off-income-net-worth-investable-assets/

https://www.financialsamurai.com/who-makes-a-million-dollars-a-year-exploring-the-top-0-1-income-earners/

For the longest time, I've wondered the following about some men:

• Why claim to be retired while having a working spouse?
• Why work so many hours after having a newborn?
• Why leave your family when your children are still young and need fathers the most?

Doing these things didn't make much sense to me until I had an epiphany: every person has a different inherent desire to provide thanks to biology. And given biology is innate, we cannot help the way we are! 

Read: A Provider's Clock For Men Is Similar To A Biological Clock For Women

For those of you with children and/or debt, it's imperative to get an affordable term life insurance policy to protect your loved ones. Take a look at Policygenius, an insurance market place that will offer affordable life insurance quotes in one place with no obligations. 

My wife and I got matching 20-year term policies during the pandemic and felt an enormous sense of relief. 

Thank you for your shares and reviews of this podcast. They help keep me recording! Sign up for my free weekly newsletter to never miss a thing. - Sam

As a landlord, you are always faced with a dilemma about whether to sell or keep renting out your property after there's turnover. As a result, let me go through the pros and cons to help you make the right decision.

I use this methodology for tackling some of life's biggest dilemmas in my upcoming book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom.

You can check out the latest rent and inflation charts here. 

Hi everyone! Thanks to all of you who pre-order a hard copy of my new book coming out on June 28, 2022 with Portfolio Penguin.

If you haven't ordered yet, you can click here to purchase on Amazon or anywhere you like to buy books. I think it's going to be the best personal finance book out there.

In this episode, let me share with you 5 reasons why I wrote the book. 

www.financialsamurai.com/buythisnotthat

I think sometimes, we focus too much on saving, investing, and working hard to build more wealth. Instead, there's an easier way, and that's finding a partner with your same ideals.  Post mentioned: https://www.financialsamurai.com/my-secret-to-retiring-early-with-only-a-4-million-net-worth-and-two-kids/

If you want to have a better retirement, feel less stressed, and be happier, follow a dynamic safe withdrawal rate. 

Posts mentioned:

https://www.financialsamurai.com/dynamic-safe-withdrawal-rate-in-retirement/

https://www.financialsamurai.com/withdrawal-rate-in-retirement-bear-market/

https://www.financialsamurai.com/the-negatives-of-early-retirement-life-nobody-likes-to-talks-about/

Have you ever wondered how some millionaires and multi-millionaires can pay zero federal income taxes? You'll find out how in this post.

Posts referenced: 

https://www.financialsamurai.com/how-to-feel-less-guilty-about-paying-no-federal-income-taxes/

https://www.financialsamurai.com/how-to-pay-little-to-no-taxes-for-the-rest-of-your-life/

Here are 8 reasons why you may want to invest in private funds. There are a couple reasons that nobody really talks about or thinks about that could make you a lot more money than you think.

Linked post: Why Invest In Private Funds Despite High Fees

The Fed has finally started to raise rates for the first time since December, 2018. Let's look at how stocks have performed during previous rate hike cycles and how higher Fed Funds Rates will impact borrowing costs across different sectors.

Posts with graphs mentioned: 

Stock Market Performance During Previous Rate-Hike Cycles

Fed Rate Hikes Won't Significantly Impact Borrowing Costs

For an easy way to invest in real estate, a top-performing sector in a rising interest rate environment, check out Fundrise. Fundrise invests in single-family and multi-family rentals across the Sunbelt. 

Unfortunately, there's a high likelihood a recession will arrive in the U.S. over the next 12 months. Let me share four reasons why and what to do about it. Also, a discusson between a bear market and a recession. 

Post Mention: Recession Indicator Charts

As a student of finance, here are five important financial observations I observed since Russia started a war with Ukraine. Knowing these five things might protect your finances and your livelihood in the future.

Posts mentioned:

Financial Observations Since The Start Of The War

Financial SEER: How To Quantify Your Risk Tolerance

Inflation hit a 40-year high at 7.5% recently. There also seems to be a lot of panic and misguided fears. Here are 3 reasons why inflation will fade by the end of the year and to not worry. 

Post mentioned: How To Hedge Your Bets After You've Made A Mistake

In this episode, I catch up with Ben Miller, Co-founder and CEO of Fundrise about artificial intelligence and the latest investments by the  Innovation Fund.

We discuss how company valuations are calculated in the fund, a defense AI investment, and so much more. 

The Innovation Fund is an open-ended venture capital fund with only a $10 minimum. You can see what the fund is investing in before you decide to invest and how much. Unlike traditional closed-end venture capital funds, you can gain liquidity if you want in one quarter.

Check out the Innovation Fund here. Financial Samurai is an investor in Fundrise and Fundrise is a long-time sponsor of Financial Samurai. 

Personally, I'm bullish on artificial intelligence and will be building $500,000 worth of exposure to AI companies and funds that invest in artificial intelligence over the next five years. In 20 years, I don't want my children asking me why I didn't invest in AI near the beginning. 

Related post: Artificial Intelligence: How To Protect Yourself And Benefit Financially 

Subscribe To Financial Samurai

To achieve financial independence sooner, Join 60,000+ others and subscribe to the free Financial Samurai newsletter.

If you enjoyed this episode, please share, rate, and review. Every review means a lot as each episode takes hours to produce. 

With 2022 off to a rocky start, I thought it would be good to discuss about capital preservation investments and the right contribution order between your investment accounts.

The Right Contribution Order

Capital Preservation Investments

Here is my 2022 stock market forecast and the reasons why. It's going to be a much tougher year to make money in the stock market, which is why I recommend allocating capital to other risk assets for greater risk-adjust returns. 

Posts mentioned:

2022 Stock Market Forecast

Why Real Estate Is Preferred

Investment Returns vs. Active Income

Here is my 2022 housing market forecast where I predict how much the median home price will increase, the 11 reasons why I think they will, and the areas of the country with the most opportunity. Enjoy!

Select posts mentioned:

2022 Housing Market Forecast (see the charts)

Foreigns Are Coming To Buy Up Our Homes

It's Time To Focus On Big City Living Again

Being an entrepreneur might sound nice, but the pressure is always on. The benefits of being an employee are the most apparent during the winter holidays. Appreciate being able to make money while on vacation. It's one of the best perks you'll miss.

Posts mentioned:

How Much You Have To Make As An Entrepreneur To Replace Your Day Job Income

10 Best Reasons To Start An Online Business Today

Reflections On Making Money Online Since 2009

When you can borrow money at a negative real interest rate and invest in a guaranteed positive real return, you've got it made! Let's discuss this fascinating scenario for investors.

Posts Mentioned:

I Bond Returns

Negative Real Mortgage Rates

CEO of Better.com Vishal Garg said 250 of the 900 people he laid off were stealing from him and his clients by only working two hours a day. Is slacking off considered stealing if you are getting your work done? My wife and I discuss.

Relevant posts:

The Best Time To Work Is During A Pandemic

In Search For The Two-Hour Work Day

The Top 10 Worst Times To Retire

 

Investing in two target-date funds for my children's 529 plans has cost me over $30,000 so far in lost profits. Here are some downsides to target-date funds and who should invest in target-date funds. 

Mentioned post:

The Problem With Target Date Funds

Historical Returns Of Different Stock And Bond Portfolio Weightings

Different Investing Strategies For Different Life Stages

Recommended 529 Plan Amounts By Age

Although inflation is at its highest rate in 30 years, inflation should normalize in 2022 and beyond. Instead, we should start worrying about a boom BUST cycle due to excess supply in the future. 

Posts mentioned: Cities Most At Risk Of A Housing Downturn

In a bull market, it's easy to get carried away. Just be careful not to think you're an investing genius when it's really the bull market that is helping you make winning investments. 

Work on building your strong mind for more financial security. It's your ultimate secret weapon! 

Posts mentioned: 

https://www.financialsamurai.com/the-ultimate-source-of-financial-security-your-strong-mind/

https://www.financialsamurai.com/perpetual-failure-the-reason-why-i-continue-to-save-so-much/

We only have about a 20-year window to own the nicest house we can afford. After this 20-year window closes, it will likely be shut forever. If you're looking to buy a nicer home, let's explore when we should spend the most money on where we live.

Posts Mentioned:

Primary Residence As A Percentage Of Net Worth Guide

How A Big Expensive House Can Ruin Your Life

The Best Time To Own The Nicest House You Can Afford

I speak with Colleen Kong-Savage about becoming a children's book illustrator and author, as well as a freelance graphic designer while living in expensive New York City.

Colleen has a new book out entitled Piano Wants To Play. It is a wonderful book for children and adults of all ages who appreciate music. It is also a touching story about rekindling the joy we had as children.

Colleen has been a long-time illustrator for Financial Samurai, creating all of the custom Samurai-themed graphics, including the logo and the Financial Samurai mask.

As you may know, it can be challenging to make a living as a creative professional. Therefore, I'm proud to support Colleen's endeavors.

If you're looking to support artists, the best way to do so is to purchase their work and hiring them. Please consider purchasing a copy of Piano Wants To Play and visiting Colleen's website at ckongsavage.com.

If you want to learn more about being a children's author and illustrator, you can check out the resources at www.highlightsfoundation.org and www.scbwi.org.

If you enjoyed this episode, I'd appreciate a review and a share!

To Your Financial Freedom,

Sam

There is a tremendous amount of data that can help you make better investment decisions. One strategy I used was the FS20 guide for property buying. Another interesting data source is the Yelp Economic Average report for buying stocks. Let's discuss!

Posts mentioned:

The FS20 Property Indicator For Buyers

Health And Fitness Stocks: The Last Reopening Trade

 

Social Security is our national pension fund that is underfunded by about 22%. With a massive cost-of-living adjustment in 2022, Social Security actually robs from poorer generations to give to the wealthiest generation of all time!

Let's discuss why Social Security is actually turning out better than expected and how we should change our retirement planning. 

Posts mentioned:

Social Security Cost Of Living Adjustments

$3 Million Is The New $1 Million

The New Three-Legged Stool In Retirement

I've thought a lot about doing a Roth IRA conversion lately given it might go away in 2022 and beyond. But I've come to the conclusion that for most people, converting to a Roth IRA won't save you any taxes. Instead, contribute to a Roth IRA when you can and just keep your traditional IRA and other retirement vehicles. Here's the analysis.

See post for more:

A Roth IRA Conversion Is Probably A Waste Of Time And Money

Opening A Roth IRA For Your Kids Is A No Brainer

Living A Middle Class Lifestyle On $300,000 A Year