RetirementGuide
Roth or Traditional: The Decision Rule
It is one comparison: your marginal rate now against your expected rate in retirement. Everything else is a tiebreak, and at equal rates the two are identical to the dollar.
7 min read
The library
26 plain-English reads on budgeting, saving, investing, debt, credit and taxes. Newest first unless you say otherwise.
EverythingBudgetingSavingInvestingDebt PayoffBankingCreditTaxesRetirementCollege SavingsPassive IncomeMoney FoundationsEveryday SpendingInsuranceSocial Security & MedicareHousing & RentingStudent LoansMoney MindsetSide IncomeCareer & SalaryFinancial IndependenceEstate PlanningFamily FinancesLife EventsSmall BusinessFraud & Consumer ProtectionHealthcare CostsTravel & RewardsCars & TransportInflation & the EconomyMoney ToolsGiving
Investing
Index Fund or ETF: Does It Matter?
For most people holding the same index, no. On $100,000 over five years in a taxable account the tax difference is $312.46, which is about $62 a year. Here are the three cases where it genuinely does matter.
7 min read
New guides, straight to your inbox.
One short email each week: a money move worth making, a number worth checking, and a trap worth dodging.