Redondo Beach based Certified Financial Planner™ at @Navigoe, dog dad, human dad.
Joined September 2009
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Reflecting on 5yr anniv of the Great Recession crash and what I believe was my career defining moment. navigoe.com/blog/the-great-r…
100%. This absolutely drives me mad.
My 7-year-old son can’t watch sports with me anymore. Not because of the games, but because of the commercials.
The horror movie trailers are the worst. The terrifying imagery can send him into a spiral of anxiety that lasts well beyond the 30-second ad. These are images his young mind simply isn’t ready to process.
We talk a lot about mental health in this country, especially in sports. Yet between the relentless gambling ads, alcohol promotions and genuinely disturbing horror trailers, I’ve reached a point where watching an MLB or NFL game with my kids requires me to monitor every commercial break.
I love sports. I work in sports. Some of my favorite childhood memories were made watching games with my family. I want that for my sons.
I wish we could exercise better judgment about what we’re putting in front of families during sporting events.
Sports should bring generations together. Instead, I’m increasingly forced to treat game day like an adults-only event.
Something feels very wrong about that.
This is shockingly bad. You can even hear in the caller's voice that he knows that this is bad advice.
I’m 62, I Have $3.5 Million Saved… But I’m Terrified to Retire.
Caller: "I'm 62 years old and I've been trying to think about retirement um uh the things that are holding me back are uh well health insurance is one thing and also the fact that no money will be coming in but all money will be going out uh and I having a hard time getting comfortable with that and what I really want is somebody to tell me that I can stop."
Dave Ramsey: "Mhm what do you mean no money will be coming in you mean you won't be earning an income?"
Caller: "That's right."
Dave Ramsey: "Okay and uh so do you have a pension do you have a 401k nest egg?"
Caller: "Yeah yeah I've got uh 401ks and IAS and all that stuff."
Dave Ramsey: "Okay um no pension no pension how much is in all those accounts?"
Caller: "Uh 3.5 million."
Dave Ramsey: "Okay all right well if no money's coming in it's just because you're not taking any of it is all okay cuz let's just be What do you make a year?"
If you had $3.5M saved, would you retire at 62?
Officially, it's called OASDI, Old Age, Survivors, and Disability Insurance. The one gripe I get is that it's a non-elective gov't program. But it's insurance for old age (right there in the name). Graham paid into the insurance, but never became old, a survivor or disabled.
Social Security is a fucking SCAM.
Let's use Lindsey Graham's recent death as an example. Graham died at the age of 71. This is way too early to draw enough benefit from Social Security to recoup the money he was forced to pay in during his adult working life.
If he had been permitted to deposit that money into a Roth IRA or various 401k funds he would have been able to select a beneficiary that those funds would go to upon his untimely death.
As it stands - No one gets that money. The IRS keeps it.
That's fucking criminal.
Help Lucas LEVEL UP with Howard Wood Elementary! myapexevent.com/1cgns2?sv=1&…
An entire article was written evaluating the best instant noodle options across different styles. No Japanese style noodles were included. Seems like a bit of an oversight.
The Best Instant Noodles | Wirecutter nytimes.com/wirecutter/revie… via @wirecutter
I'm honestly surprised by all the pearl clutching over this play. It was a clever ploy by USC. That's it. If it should have been a penalty when the actual punter came in, then it should have been called. Penalty calls get missed all the time. Move on.
This is such crap, @YouTubeTV Why should I have to jump through hoops for my $20 credit? It should just automatically apply to my account. Also, it shouldn't apply to my *next* bill. It should be a credit on the prior bill refunded to my card.
I can't get over how true this is. Has this always been the case or is it new?
"For reasons I have never understood, people like to hear that the world is going to hell."
Deirdre McCloskey, Professor of Economics at University of Illinois
#qotd
So much truth in this article!
I've become a huge evangelist for people loosening the purse strings earlier in their retirements, thanks to the work of @michaelrpiper and my own personal story. 👇
morningstar.com/retirement/w…
Election Twitter has gone from “it’s too close to call, but all signs point to trump” to “Harris is going to sweep the battlegrounds, plus Iowa, Nebraska, Missouri, and Florida” in like three days.
I'm feeling this deep. Thank you for putting it in words.
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Took my dad to a Dr. appt this morning. Walked into the office based on the address my mom gave me. Wrote my dad's name down, the lady says "you're in the wrong office" "How you do you that?" I ask. She replies "this is an OB/GYN"
Fernando-mania was one of my earliest memories of watching sports. I bonded with my dad and my brother watching the Dodgers during that time. RIP to a great one.
