retirebyforty

How Rental Properties can Help You Retire Early

09.19.2014
How Rental Properties can Help You Retire Early

Today, we have an article from Mark Ferguson who is an experienced real estate investor. He’ll help us figure out how to make money with rental properties. If you are thinking about investing in rental properties, you’ve come to the right place today. Enjoy! Investing in the stock market is the traditional way to build up money for retirement.  However, rental properties are another avenue to retire early and for me a better avenue.  I have been a Realtor since 2001, own 11 long-term rental properties and I complete 10-15 fix and flips a year.  That gives me an advantage when buying […]

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Is Roth better than Traditional IRA/401(k)?

09.17.2014
Is Roth better than Traditional IRA/401(k)?

Last week, I was researching for a Roth 401(k) article and came across a Roth IRA study from T. Rowe Price. Basically, the study concludes that the Roth account is the better choice for most investors. You’ll have more money unless your tax rate is much lower in retirement. If you’re 55, then your tax rate will have to drop by 7% for the Traditional IRA to beat than the Roth IRA. If you’re 25, the Traditional IRA basically can’t beat Roth IRA. Your age makes a difference because the younger you are, the more time your Roth account has […]

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Co-op Preschool Can Be Pretty Involving

09.14.2014
Co-op Preschool Can Be Pretty Involving cooperative preschool

Whew, last week was back to school and it was quite busy for us. RB40 Junior moved to a co-op preschool this year and it will be a lot more involving than last year. Actually, it was a tough decision for us to change schools. He liked his old preschool and his best friend is still there. I hate to separate the buddies, but they’ll be going to different elementary schools anyway, so it’s inevitable. We’ll try to keep in touch and meet up for a play-date once in a while. They’ll reunite again in middle school… That’s a long […]

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The Most Important Tip for Retirement Saving

09.12.2014
The Most Important Tip for Retirement Saving

Last time, we had fun being indignant about people who make six-figure income and are going broke. I’m pretty sure the majority of people making that level of income are smart enough to live within their means. There are just a few rare cases that are spending way too much and can’t save for the rainy days. I’m not sympathetic at all because middle class households with more limited resources have a much more difficult challenge with their retirement saving. So I thought it’d be good to share the most important tip for retirement saving with you today. Commit to […]

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