Monthly Older Posts: February 2025

We have the final piece on inflation for January: lower inflation than other measures.

January inflation for the measure the Federal Reserve favors was issued this morning. Since inflation is a hot topic in the news, I show the January data for three inflation measures: seasonally adjusted inflation, core inflation (excludes food and energy), and personal consumption expenditures (PCE)

What is your return rate if you delay taking Social Security?

I previously stated that you save A LOT in taxes if you delay taking Social Security (SS) and replace your SS benefit with a distribution from your traditional IRA. (See here.) You’re saving because the distribution that replaces SS is taxed at roughly 5%

Core inflation tracks to more than 3.5% inflation.

I was hoping that January 2025 inflation would be low and replace a high inflation month of January 2024: this obviously was not the case. The most-widely reported measure, seasonally-adjusted inflation, increased nearly 0.5% in January; that’s about a 6% annual rate; it was the

Delay Social Security a year and save $9,000 in tax.

My niece and her husband will be the perfect candidates to delay starting Social Security (SS) until age 70 – gaining 8% real increase in benefits for each year that they delay: they will have a MOUNTAIN of traditional IRA at age 65 that will

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