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Public Pay Might Be Higher Than You Think (Once You Do the Math)

Public Pay Might Be Higher Than You Think (Once You Do the Math)

Jun 17, 2025

In this issue:

  • Latest in Retirement Savings & Personal Finance: High 401(k) Savings Rate, The Big Beautiful Bill’s Deficit Increase & Who Are Affected by the BBB
  • Public Pay Might Be Higher Than You Think (Once You Do the Math)
  • Tools & Tips: Retirement Pension Value Calculator
  • Market Overview
Retirement Plan Contribution Limits in 2024

Retirement Plan Contribution Limits in 2024

Jun 4, 2025

2024 Retirement Plan Contribution Limits 1. 401(k), 403(b), and 457(b) Plans Employee Contributions: Up to $23,000 (under age 50) Catch-up contribution: $7,500 (ages 50+) Total Combined Limit (Employee + Employer): $69,000 Roth Options: Available for 401(k), sometimes...

Talmud desc

May 7, 2025

Talmud Portfolio for 401(k) and IRA Investors Investing for retirement, you know, it’s one of those things that sounds simple but gets messy fast. The Talmud Portfolio, well, it’s an old idea, rooted in Jewish wisdom, or so they say. It’s about splitting your money...

Rick Ferri Core Four Lazy Portfolio desc

May 7, 2025

Rick Ferri Core Four: A Solid Lazy Portfolio for Retirement Investors Investing for retirement can feel like a maze sometimes. You wonder, what’s the simplest way to build a portfolio that works for the long haul? Well, the Rick Ferri Core Four portfolio might just be...

William Bernstein Smart Money desc

Apr 18, 2025

Background Information on the Author and Philosophy The William Bernstein “Smart Money” Lazy Portfolio is a one of Bernstein’s lazy portfolios that people constructed based on his writings. The “Smart Money” is also pretty balanced in terms of its...

Burton Malkiel Mid-Fifties Portfolio desc

Apr 15, 2025

  As people move into their 50s, retirement planning tends to shift from something abstract into something that actually matters — you start to feel the weight of the timeline. The “plenty of time” mindset starts to fade. You’re no longer just accumulating. You’re...
How to Borrow From an IRA?

How to Borrow From an IRA?

Apr 14, 2025

There are several ways to take money out for short-term emergency purposes. This article explores some of those options.

Doug Ramsey All Asset No Authority (AANA) Lazy Portfolio desc

Apr 14, 2025

Doug Ramsey All Asset No Authority (AANA) Lazy Portfolio: A Simple Choice for 401(k) and Novice Investors Investing can feel like a maze, can’t it? You look at all the choices, the funds, the market noise, and you wonder what’s actually worth your time. The Doug...

Paul Farrell Second Grader’s Starter Portfolio desc

Apr 14, 2025

1. Background and Philosophy The Second Grader’s Starter Portfolio was created by Paul B. Farrell, a former investment columnist for MarketWatch and author of multiple books on lazy investing. Farrell advocated for simple, low-cost, and hands-off strategies that...

Larry Swedroe Conervative Lazy Portfolio desc

Apr 14, 2025

Larry Swedroe’s lazy portfolio is carefully designed for conservative investors seeking lower volatility while maintaining exposure to growth. Swedroe, a well-regarded financial expert and author, emphasizes diversification through low-cost index funds and is...

William Bernstein Sheltered Sam 60/40 Allocation desc

Apr 13, 2025

William Bernstein, a renowned financial author and investment advisor, provides valuable insights into building winning portfolios in his book “The Four Pillars of Investing: Lessons for Building a Winning Portfolio.” One of the portfolio strategies he...

William Bernstein Cowards desc

Apr 13, 2025

William Bernstein Cowards Portfolio: A Simple Choice for 401(k) and IRA Investors Investing, you know, it’s one of those things that sounds simple but gets messy fast. Everyone’s got an opinion. Everyone’s got a hot tip. But what if you just want something that works,...

Armstrong Ideal Index desc

Apr 13, 2025

Armstrong Ideal Index: Comprehensive Overview 1. Background and Philosophy The Armstrong Ideal Index was created by Frank Armstrong, a renowned financial advisor and author of The Informed Investor. Armstrong advocates for a passive, low-cost investing approach,...

P Andrew Tobias Three Fund Lazy Portfolio Annual Balance desc

Apr 13, 2025

Comprehensive Overview of the P Andrew Tobias Three Fund Lazy Portfolio 1. Background and Philosophy Andrew Tobias is a renowned financial author and investor, best known for his book “The Only Investment Guide You’ll Ever Need.” His philosophy...

Israelsen 7Twelve Portfolio desc

Apr 13, 2025

Comprehensive Overview of the Israelsen 7Twelve Portfolio 1. Background and Philosophy The Israelsen 7Twelve Portfolio was created by Craig Israelsen, a financial expert and professor at Utah State University. Israelsen designed this portfolio to emphasize broad...
Historical Year-by-Year Annual 401(k) Contribution Limits

A Step-by-Step Guide to Finding Your Old 401(k) Account

Apr 4, 2025

If you’ve lost track of an old 401(k) account due to job changes, mergers, or simply forgetting about it, don’t worry—there are several steps you can take to locate your funds. Whether your former employer was a large corporation like Bloomberg L.P. or a smaller...