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investing

How to Retire In 10 Years

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Is it possible to retire in 10 years by working hard and saving a large percentage of your income? Yes, it is possible, but this requires a lot of sacrifice up front. Honestly, I think 99% of the working population don’t pay much attention to retirement and they just don’t know what’s possible. I certainly [...]

Dividend Income Update – Q1 2016

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I started investing in the stock market when I began working full time in 1996. First, I contributed to my 401k. After a few years, I was able to fully max out my 401k contribution and kept that up until now. Currently, my retirement funds are all invested in low cost Vanguard funds. I also [...]

Pay No Tax on Roth IRA Conversion

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I’m about to blow your mind today. I have been wondering if I could contribute to my i401k and do a Roth IRA conversion in the same year. Mrs. RB40 is planning to retire soon and I want to start building a Roth IRA ladder when she does. I wasn’t sure if there would be [...]

3 Reasons to Save More Than 15%

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How much do you need to save to have a comfortable retirement? The consensus from the financial industry is you should save 10-15% of your pre-tax income for retirement. Personally, I think this saving rate is too low and this advice is doing a disservice to young people. A new graduate who is starting a [...]