If I were in the Save and Invest phase of life, I’d contribute ONLY to Roth IRAs. This post shows that distributions from a traditional IRAs are taxed about 25% and maybe more. Effectively none is taxed at 10% or 12% as most people think.

When you are retired and receiving Social Security, the 10% and 12% marginal tax brackets on ordinary income are a myth. Most all of your distributions from your traditional IRAs – such as your RMD – are taxed at 18.5% or 22.2%. Very little is

Inflation was a hot topic the last two days. The last three months are running at an annual rate at more than 4% inflation. This post shows six graphs I use to follow the inflation trends. We get the last report for inflation for March

This was an interesting article at Morningstar: Should You Keep Foreign Stocks Out of Your IRA? Tax considerations suggest yes…. There is an added tax wrinkle with international stocks or funds, but I conclude the opposite: the tax considerations CLEARLY say it’s preferable to

I view the bonds we retirees hold as a form of insurance – downside protection. We need to sell from our portfolio each year for our spending. We don’t want to sell stocks when they’ve taken a deep dive. Selling stocks then for our spending