Scaled Finance delivers transparent, hourly fiduciary financial planning for tech professionals - virtual and no hidden fees.

Reach each out to Scaled Finance for virtual, hourly fiduciary financial planning for tech pros. No investment fees or required asset moves.

Scaled Finance offers a free 11-session financial independence course - videos, PDFs, and spreadsheets to build your money roadmap.

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Explore how Employee Stock Purchase Plans work and uncover benefits like discounts and tax optimization. Tailored strategies for tech professionals from Scaled Finance, LLC.

Explore how Employee Stock Purchase Plans work and uncover benefits like discounts and tax optimization. Tailored strategies for tech professionals from Scaled Finance, LLC.

Explore how Employee Stock Purchase Plans work and uncover benefits like discounts and tax optimization. Tailored strategies for tech professionals from Scaled Finance, LLC.

Explore how Employee Stock Purchase Plans work and uncover benefits like discounts and tax optimization. Tailored strategies for tech professionals from Scaled Finance, LLC.

Scaled Finance offers a free virtual consultation to see if we’re a fit - hourly fiduciary planning with no required asset transfers.

Scaled Finance guides you through a clear 5-step financial planning process - a free consultation to develop a roadmap, following by sessions to identify changes you implement in support of your goals.

Explore Mega Roth strategies to maximize savings and minimize taxes for tech professionals. Learn how to amplify your 401(k) benefits with Scaled Finance, LLC.

Explore Mega Roth strategies to maximize savings and minimize taxes for tech professionals. Learn how to amplify your 401(k) benefits with Scaled Finance, LLC.

Discover strategies to maximize your RSUs and secure your financial future with expert guidance. Access insights on compensation, taxes, and diversification.

Explore Mega Roth strategies to maximize savings and minimize taxes for tech professionals. Learn how to amplify your 401(k) benefits with Scaled Finance, LLC.

Sign up for the Scaled Finance, LLC newsletter to get financial insights for tech pros - including content on RSUs, ESPP, investing, and more.

Sign up for the Scaled Finance, LLC newsletter to get financial insights for tech pros - including content on RSUs, ESPP, investing, and more.

This page includes important notices on why we collect your information, what information we collect and maintain, how we use website analytics, what information we disclose, and how we protect personal information for prospective as well as former clients. It also includes contact information.

Discover strategies to maximize your RSUs and secure your financial future with expert guidance. Access insights on compensation, taxes, and diversification.

Discover strategies to maximize your RSUs and secure your financial future with expert guidance. Access insights on compensation, taxes, and diversification.

Discover strategies to maximize your RSUs and secure your financial future with expert guidance. Access insights on compensation, taxes, and diversification.

Discover strategies to maximize your RSUs and secure your financial future with expert guidance. Access insights on compensation, taxes, and diversification.

Explore T-Mobile's 401(k) employee contribution options, company matching, and financial planning opportunities for employees.

Explore T-Mobile's compensation package including bonuses, equity comp, and more. Learn how each element can benefit your financial future.

Explore benefits and compensation insights for Directors and above. Maximize your financial planning and career opportunities.

Explore T-Mobile's employee benefits - including cash comp, equity, holidays, 401(k), PTO, insurance, and more with tailored insights.

Explore compensation and benefits for T-Mobile frontline employees, including cash comp, equity, holidays, and PTO to optimize your financial future.

Explore T-Mobile's holidays and employee benefits to enhance work-life balance. Learn more about both traditional and added holidays.

Learn about T-Mobile's insurance plans, benefits, and how they support employees' financial and health needs. Make informed choices.

Discover T-Mobile's diverse employee benefits including maternity leave, dependent care, and tuition assistance. Get insights and more!

Explore T-Mobile's Paid Time Off policies. Use strategies to effectively manage your work-life balance and maximize benefits.

Explore T-Mobile's stock compensation, including the ESPP and RSU grants. Learn more about your benefits and how to optimize your earnings.

Get detailed insights on T-Mobile employee benefits, compensation plans, and financial strategies to maximize your earnings and secure your future.

This page includes important notices on why we collect your information, what information we collect and maintain, how we use website analytics, what information we disclose, and how we protect personal information for prospective as well as former clients. It also includes contact information.

This complimentary course shares the best financial independence resources I've found or created. Part One focuses on why finances matter. Part Two dives into net worth - what it is and isn't. Part Three fosters long-term ownership perspectives.

Pricing is a flat hourly rate. Half is due up front, with the second half due upon completion of the plan. Engagements are tailored to individual needs. The cost depends on complexity of financial situation, breadth of engagement, and degree of self-service.

Explore the white paper for insights on personal finance tailored for tech professionals. Join the Scaled Finance, LLC newsletter for ongoing expert tips.

What financial steps might tech professionals take in September? Select ESPP contribution %, Book Thanksgiving plans, Start benefits review, Replenish emergency fund, and Schedule remaining PTO.

September 2, 2026 /insights/september-2026-tech-financial-steps/

Smart August steps for tech pros - shop school supplies, take a break, review investments, submit care expenses, and check your financial plan.

August 4, 2026 /insights/august-2026-tech-financial-steps/

Smart July financial steps for tech professionals could include: check credit reports, rebalance portfolio, take summer vacation, and submit reimbursements.

July 1, 2026 /insights/july-2026-tech-financial-steps/

A guide for tech pros through June 2026 money moves - enjoy end-of-school celebrations, replenish your cash reserve, plan summer trips, and submit dependent-care receipts.

June 3, 2026 /insights/june-2026-tech-financial-steps/

Smart May financial steps for tech pros can include - review tax withholding, revisit your goals, check debt balances, boost education savings, and book fall PTO.

May 6, 2026 /insights/may-2026-tech-financial-steps/

Smart April 2026 financials steps for tech professionals could include tax prep, rebalancing investments, evaluating stock purchases, topping off emergency fund, and planning refunds.

April 1, 2026 /insights/april-2026-tech-financial-steps/

Smart March financial steps for tech professionals could include - choosing ESPP contribution, plan major purchases, finalize last-year contributions, prep taxes, and book summer PTO.

March 4, 2026 /insights/march-2026-tech-financial-steps/

Struggling to track every expense? Learn how overlooked costs like home repair and maintenance, vehicle replacement, and gifts can quietly derail your budget - and how a simple top-down approach can help you estimate your true total spending more accurately.

February 28, 2026 /insights/plan-for-unexpected-expenses/

Consider key February moves for tech professionals like prepping taxes, saving bonus or raise, accepting your RSU grant, and rebalancing your investments.

February 4, 2026 /insights/february-2026-tech-financial-steps/

Updating your list of accomplishments may have a big impact on your finances. A review can help you shape your future, set your direction, and expand your options.

December 10, 2025 /insights/update-your-accomplishments/

What financial steps might tech professionals take in December? Options might include: make year end retirement contributions, update resume and career plan, harvest tax losses or gains, review Social Security statement(s), and update 401(k) contribution rate.

December 2, 2025 /insights/december-2025-tech-financial-steps/

Happy Thanksgiving, all! I have even more than usual to be thankful for this year - including family, health, time, clients, support, and democracy.

November 26, 2025 /insights/thanksgiving-2025/

Smart November financial steps for tech professionals can include: schedule a vacation, harvest a tax loss or gain, give to charity, buy holiday gifts, and rebalance investments.

October 28, 2025 /insights/november-2025-tech-financial-steps/

What financial steps might tech professionals take in October? Perhaps: evaluate stock purchased with the Employee Stock Purchase Plan (ESPP), book holiday plans, complete open enrollment, update beneficiaries and estate plan, and plan year end health expenses.

October 1, 2025 /insights/october-2025-tech-financial-steps/

Agentic AI is a fascinating new frontier. To date, AI has largely been used as a knowledge accelerator, a content editor, and even a thinking partner. However, there’s a new use: assistant.

September 24, 2025 /insights/the-rise-of-agentic-ai/

What financial steps might tech professionals take in September? Select employee stock purchase plan contribution percentage Book Thanksgiving plans Start benefits and insurance review Replenish emergency fund Schedule remaining Paid Time Off (PTO)

September 3, 2025 /insights/september-2025-tech-financial-steps/

Discover how the Mega Backdoor Roth helps high earners save beyond 401(k) limits by converting after-tax contributions to Roth accounts.

August 5, 2025 /insights/what-is-a-mega-backdoor-roth/

July 29, 2025 /insights/august-2025-tech-financial-steps/

This case study explores how a client has been able to thrive despite a layoff! She’s taken many steps to improve her: investments, cash flow, taxes, real estate, protection, estate plan, and life.

July 15, 2025 /insights/thrived-through-a-layoff/

Smart July financial steps for tech professionals could include: check credit reports, rebalance investments, take summer breaks, and submit dependent-care reimbursements.

July 2, 2025 /insights/july-2025-tech-financial-steps/

The math on financial independence seems fantastic… as in unbelievable. However, it’s technically possible! Nonetheless, inertia is tough to overcome. This article explores the pros and cons of waiting one more year to retire.

June 11, 2025 /insights/one-more-year/

A guide for tech pros through June money moves - enjoy end-of-school celebrations, replenish your emergency fund, plan summer trips, and submit dependent-care reimbursements.

June 3, 2025 /insights/june-2025-tech-financial-steps/

Wondering if keeping $1M in the bank is ideal? We explain the risks and share smart ways to protect and grow your money.

May 21, 2025 /insights/1-million-in-bank-account/

How to buy a place you’re renting - take steps to align what you and your landlord want, and move forward.

May 7, 2025 /insights/buying-a-property-you-are-currently-renting/

Smart May financial steps for tech pros can include - review tax withholding, revisit your goals, check debt balances, boost education savings, and book fall PTO.

April 30, 2025 /insights/may-2025-tech-financial-steps/

It can be tough to choose a beneficiary for an account! There are many considerations. This article has three parts which may help you select your beneficiaries: 1. Importance of naming a beneficiary, 2. Primary and contingent beneficiaries, and 3. Account type considerations.

April 23, 2025 /insights/who-should-be-my-beneficiary/

It can be scary when stock markets fall. However, things may not be as bad as they seem. There are steps you can take. This article explores: 1. Not as bad as the headlines, 2. Back to basics, and 3. Current opportunities.

April 9, 2025 /insights/what-to-do-when-stocks-drop/

Smart April financials steps for tech professionals could include tax prep, rebalancing investments, evaluating stock purchases, topping off emergency fund, and planning refunds.

April 1, 2025 /insights/april-2025-tech-financial-steps/

This article explores: 1. How salary is calculated, 2. How salary is determined, and 3. How to get a raise.

March 18, 2025 /insights/how-salary-is-calculated/

Smart March financial steps for tech professionals could include - choosing ESPP contribution, plan major purchases, finalize last-year contributions, prep taxes, and book summer PTO.

March 5, 2025 /insights/march-2025-tech-financial-steps/

What should I do with $100k? It depends. Five good options include: 1. protect yourself, 2. cut expenses, 3. invest in yourself, 4. make a major purchase, and 5. invest wisely. This article explores ideas for each option.

February 12, 2025 /insights/what-to-do-with-100k/

Key February moves for tech pros - like prepping taxes, saving bonus or raise, accepting your RSU grant, and rebalancing your investments.

February 5, 2025 /insights/february-2025-tech-financial-steps/

This article explores why setting up a HELOC before retirement can give you flexibility, protect your portfolio, and act as a safety net if markets dip.

January 28, 2025 /insights/heloc-before-retirement/

Supersavers often overlook opportunities. Some of those include: merit aid, Social Security funding, benefit claiming strategies, single stock exposure, target allocation, asset location, Mega Roth, home gain exclusion, personal liability, rental cash flow, lifetime tax minimization, penalties and interest, withholdingg, bunching donations, Donor-Advised Fund (DAF), giving income away, coverage limits, deductibles, prepaid discounts, umbrella, disability impact, federal estate tax, state estate and inheritance taxes, and step-up in basis.

January 22, 2025 /insights/what-supersavers-miss/

Get answers to top January questions on RSU tax strategies, diversifying from a single-stock, investment alternatives beyond the S&P 500, and 529 plan moves.

January 15, 2025 /insights/january-2025-questions/

What financial steps might T-Mobile employees take in January? Options might include: submit dependent care reimbursements, update net worth estimate, refresh long-term projections, evaluate Mega Roth, begin gathering tax forms, and plan summer vacations and camps.

January 7, 2025 /insights/tmobile-january-financial-steps/

Answering top December questions - from managing RSUs and 401(k) planning to HSAs, Medicare, investing apps, crypto, and more.

December 18, 2024 /insights/december-2024-questions/

Explore 17 clear signs - like confusing advisor fees or neglecting ESPPs - that you may need a financial plan.

December 11, 2024 /insights/17-investment-signs-financial-plan/

What financial steps might T-Mobile employees take in December? Options might include: make year end retirement contributions, update resume and career plan, harvest tax losses or gains, review Social Security statement(s), and update 401(k) contribution rate.

December 3, 2024 /insights/tmobile-december-financial-steps/

Happy Thanksgiving, all! I have even more than usual to be thankful for this year - including family, health, time, clients, support, and generator.

November 27, 2024 /insights/thanksgiving-2024/

How debt can be a tool - highlighting credit benefits like flexibility and rewards as well as risks like fees and lost future options.

November 20, 2024 /insights/is-all-debt-bad/

Explore 12 emotional signs you're ready for a financial plan - like sleepless nights, money fears, or wanting more from life.

November 13, 2024 /insights/12-emotional-signs-financial-plan/

What financial steps might T-Mobile employees take in November? Schedule spring Paid Time Off (PTO), plan tax loss or gain harvesting, finalize year end charitable giving, purchase holiday gifts and review / rebalance investment portfolio.

November 5, 2024 /insights/tmobile-november-financial-steps/

There were many great questions asked in a recent Q&A session with T-Mobile employees! Does it make sense to contribute to a 529 now that my kid’s in high school? I moved for work. Should I sell my old home? Would a Roth conversion after retirement lower my taxes? Instead of keeping your 401

October 30, 2024 /insights/october-2024-questions/

XYPN Live 2024 was good! The event marked the 10th anniversary of the XY Planning Network. It brought together many fee-only advisors and vendors from across the industry. In this article, I share some of my insights on the conference.

October 23, 2024 /insights/xypn-live-2024/

I changed jobs. Should I roll over my 401(k)? It depends. There are potential benefits and cost of either rolling an old 401(k) into an IRA, rolling thee 401(k) into another 401(k), or keeping the 401(k).

October 10, 2024 /insights/roll-over-401k/

Smart October financial steps for tech professionals: evaluate ESPP stock, book holiday plans, complete open enrollment, update beneficiaries, and plan health spending.

October 1, 2024 /insights/tmobile-october-financial-steps/

Risk capacity matters more than risk tolerance. Someone’s ability to take risk depends on their financial circumstance. That’s their risk capacity. Risk tolerance depends on many factors and is more fluid.

September 25, 2024 /insights/risk-capacity-risk-tolerance/

Millions of people give to charity, which is wonderful! However, they often give cash each week, month, or year. That method can cost more! It’s often better to: donate appreciated assets, bunch donations, or contribute to a Donor Advised Fund.

September 17, 2024 /insights/save-more-tax-donations/

When something keeps coming up in conversations, I prioritize it for content! Some very intelligent, educated, and succesful people haven't been sure how investment changes within retirement accounts are taxed. Fortunately, investment changes don't usually have an immediate tax impact! Adjusting the

September 11, 2024 /insights/retirement-transactions-not-taxed-yet/

Smart September financial steps tech professionals can include: set your ESPP contribution, book holiday travel, review benefits, rebuild your emergency fund, and schedule PTO.

September 4, 2024 /insights/tmobile-september-financial-steps/

Our family rode in a self-driving car. While on vacation in San Francisco, we kept seeing these driverless vehicles. Although I've caught hundreds of rides with ride sharing services, this one felt different!

August 28, 2024 /insights/self-driving-vehicle/

Why insurance isn’t usually an investment - coverage often doesn't grow wealth, it’s treated as expense, and mostly protects against loss.

August 14, 2024 /insights/is-insurance-an-investment/

What financial steps T-Mobile employees might take in August? Shop for Back to School Take summer vacation Review investments Submit dependent care reimbursements Check financial independence plan

July 31, 2024 /insights/tmobile-august-financial-steps/

Most people want to get rich NOW. That's now (usually) how wealth is built. Want to know the secret? Time.

July 24, 2024 /insights/200k-into-13-million/

What are large, mid, and small cap? There’s a clear definition… in theory. Reality is messier.

July 17, 2024 /insights/large-mid-small-cap/

How to use credit reports wisely - to dispute errors, lower utilization, boost score factors, and unlock better credit opportunities.

July 10, 2024 /insights/credit-reports-scores/

What financial steps might T-Mobile employees take in July? Options could include: check credit reports, review / rebalance investment portfolio, take summer vacation, attend camps, and submit dependent care reimbursements

July 1, 2024 /insights/tmobile-july-financial-steps/

Many people struggle to decide whether to contribute to a pre-tax account, after-tax account, or both. Both options may exist for plans like a 401(k), 403(b), 457(b), and Individual Retirement Arrangement (IRA). The after-tax version is often a Roth plan.

June 26, 2024 /insights/pre-tax-after-tax/

Celebrate Juneteenth by spotlighting summer inventions - like ice cream scoops, Super Soakers, and refrigeration - that make life sweeter and safer.

June 19, 2024 /insights/juneteenth-2024/

How might the T-Mobile / U.S. Cellular merger un-fold? T-Mobile has a playbook it’s used for its MetroPCS, Sprint, and Mint mergers. Although every merger is a little different, the UScellular merger will likely have many similarities.

June 12, 2024 /insights/tmobile-uscellular-merger/

Smart June financial steps for tech professionals could include: enjoy end-of-school celebrations, replenish your emergency fund, plan summer trips, and submit dependent-care reimbursements.

June 3, 2024 /insights/tmobile-june-financial-steps/

Knowing how Americans spend - from housing and transport to entertainment - can help you focus your spending where it matters most.

May 29, 2024 /insights/how-americans-spend/

Many people focus on reducing taxes for the previous year. Some take proactive steps to reduce their tax bill for this year. Very few proactively minimize their lifetime incomes taxes.

May 22, 2024 /insights/minimize-lifetime-taxes/

Many people overpay for auto insurance. They can go years - even decades - without getting multiple quotes. Insurance is highly regulated. Its quality largely depends on the coverage and financial strength of the insurer. The agent down the street may cost a lot! Trust everyone but cut the deck.

May 8, 2024 /insights/shop-auto-insurance/

What financial steps might T-Mobile employees take in May? Options could include: review tax withholding (Form W-4), update goals and financial plan, check student loan / other debt balances, fund education savings, and schedule fall Paid Time Off (PTO).

May 1, 2024 /insights/tmobile-may-financial-steps/

Benefit from Start, Start, Continue! This technique applies to many areas of life - including personal finance.

April 24, 2024 /insights/stop-start-continue/

Rich is flashy. However, few things can destroy someone’s wealth faster than trying to look rich.

April 17, 2024 /insights/rich-is-flashy/

A lot of the focus has been on how much those with significant wealth own. However, what they own might be even more interesting! This article leverages data from the Federal Reserve to compare what households own at varying levels of wealth.

April 10, 2024 /insights/own-like-a-billionaire/

Is a home an investment? The majority of voters in a recent LinkedIn poll think so! However, it’s worth a deeper dive.

April 3, 2024 /insights/home-an-investment/

What financial steps might T-Mobile employees take in April? Options could include: evaluate stock purchased at a discount, file tax return(s) or extension(s), make tax payment(s) or plan refund(s), review / rebalance investment portfolio, replenish emergency fund, and review tax refund(s).

April 1, 2024 /insights/tmobile-april-financial-steps/

Does it make sense to raise the parents’ rent?

March 27, 2024 /insights/raise-rent-on-parents/

Will you owe estate tax? It may depend on your state!

March 20, 2024 /insights/owe-estate-tax/

How does an Employee Stock Purchase Plan work?

March 6, 2024 /insights/how-espp-works/

What financial steps might T-Mobile employees take in March? Options might include: select employee stock contribution %, plan major expenses, finalize last year contributions, prepare taxes, and schedule summer Paid Time Off (PTO).

March 1, 2024 /insights/tmobile-march-financial-steps/

What to do with Restricted Stock Units? There are at least fifteen (15) things to do besides hold onto the shares.

February 26, 2024 /insights/do-with-rsus/

Why frequent RSU vests - like quarterly or semi-annual - can benefit employees, companies, and shareholders alike.

February 19, 2024 /insights/frequent-rsu-vests/

Sammy Says! The U.S. Tax code encourages many things. Some of them include: 1. Get educated. 2. Get a job. 3. Earn some money. 4. Don’t make too much. 5. Pay medical expenses. 6. Get married. 7. Buy a home. 8. Go green. 9. Have or adopt children. 10. Invest long-term. 11. Save for retirement. 12. Give some away. 13. Don’t get too rich.

February 12, 2024 /insights/sammy-says-13-things-tax-code/

A friendly reminder why your future self deserves love - how your raise and bonus today can supercharge savings and help future you thrive.

February 5, 2024 /insights/love-future-you/

What financial steps might T-Mobile employees take in February? Options might include: update saving for raise and bonus, schedule tax prep meeting, gather tax forms and create checklist, accept Restricted Stock Units and grant, and review / rebalance investment portfolio.

February 1, 2024 /insights/tmobile-february-financial-steps/

One of the most often overlooked opportunities is the spousal IRA. A spousal IRA is a traditional retirement account a spouse can contribute to despite earning little or no income. Contributing to a spousal IRA may help a couple lower their taxable income, reduce their taxes, and save for retirement.

January 29, 2024 /insights/spousal-ira/

Why your final career might be investor - because nobody cares for your money as much as you, and learning to invest gives you control.

January 22, 2024 /insights/last-career-investor/

A part of Dr. King’s “I Have a Dream” speech that resonates with me is early on when he uses debt as a metaphor for human rights. It’s beautiful how he articulates that the lack of freedom is a debt owed by the U.S. government to all Americans. I often equate money with freedom. However, I find the “Earn More!” / “Spend More!” debate comical. Do both! The forces amplify!

January 15, 2024 /insights/money-freedom-mlk/

When real estate is a true investment vs speculation - focusing on profit, lifestyle use, leverage, and how properties can become income generators

January 8, 2024 /insights/investing-betting-real-estate/

Review 2023’s financial highlights - from taming inflation and booming stocks to student loan forgiveness and post-pandemic spending.

December 31, 2023 /insights/2023-year-in-review/

How replacing strict budgeting with mindful spending can help you spot hidden costs, evaluate expenses, and align spending with what matters most.

December 18, 2023 /insights/do-you-need-a-budget/

Running low on cash can trigger stress, fees, and a downward spiral - building a buffer breaks the cycle and can unlock opportunities.

December 14, 2023 /insights/is-your-cash-starving/

Someone might pay no tax after selling an investment for a gain. There is a 0% capital gains tax bracket. However, it is very common for someone to pay a 15% capital gains tax.

December 11, 2023 /insights/no-tax-on-investment-gains/

Place your money wisely - align your emergency fund, retirement, investments, and HSAs in the right account types to work smarter.

December 4, 2023 /insights/assets-right-location/

What are five great questions to ask yourself? 1) What do I want my money to accomplish? 2) How do I minimize lifetime taxes? 3) What if I’m injured? 4) How can education costs be reasonable? 5) Are my assets in the right location?

November 27, 2023 /insights/5-great-questions-to-ask-yourself/

Happy Thanksgiving, all! I have even more than usual to be thankful for this year - including family, health, time, clients, and support.

November 22, 2023 /insights/thanksgiving-2023/

What are the hierarchy of expenses? Basic needs, required, autonomy, experience, and gift. This article explores each in turn.

November 20, 2023 /insights/hierarchy-of-expenses/

Explore 16 simple, smart ways to build wealth - from boosting income and cutting costs to protecting assets and planning ahead.

November 13, 2023 /insights/16-ways-to-build-wealth/

This is how inertia can work in your favor over decades with minimal effort - including automated savings and compound growth.

November 6, 2023 /insights/benefit-from-inertia/

The pros and cons of an HSA - tax-smart savings, portability and flexibility versus high deductibles and eligibility limits.

October 30, 2023 /insights/health-savings-account/

How disability insurance protects your income - covering own-occ vs. any-occ, payout %, employer vs. individual, and family needs.

October 18, 2023 /insights/how-disability-insurance-works/

Celebrate unforgettable bosses - like mine Tony Russo, Gary Austin, Thushan Wijesinghe, and Orna Samuelly - who led with calm, care, clarity, humor, and kindness.

October 16, 2023 /insights/best-bosses/

How an ‘all in one’ mortgage could cost $270,000 more over time - and why a traditional mortgage might be smarter.

October 12, 2023 /insights/all-in-one-mortgage/

Why charging market rent can boost your cash flow, lift property value, and avoid income loss over years.

October 11, 2023 /insights/charge-market-rent/

Schedule your Paid Time Off (PTO) as soon as possible! Lodging gets booked Flight prices rise Schedules fill up Coworkers call dibs

October 9, 2023 /insights/pto-asap/

Why Employee Stock Purchase Plans can be a hidden gem - offering discounted stock and smart lookbacks.

October 4, 2023 /insights/employee-stock-purchase-plan-underrated/

Unpack why 92% prefer remote or hybrid work - and how that matters for your financial priorities, flexibility, and lifestyle.

October 2, 2023 /insights/92-percent-remote-hybrid/

There are risks of holding your employer’s stock - lack of diversification, it might not be as unique as it seems, and potential impacts to your other assets.

September 27, 2023 /insights/hold-employer-stock/

I had the great fortune to attend the XYPN Live last week. Michael Kitces asked me about my big takeaways. They were all about mindset: Stephanie Bogan’s challenge to think bigger Michael Kitces’ closing keynote on scaling Adam Cmejla’s perspectives on growth and automation

September 25, 2023 /insights/xypn-live-2023/

Do you have the 3 T’s to manage finances well? Those are: Time, Training, Temperament

September 20, 2023 /insights/3-ts-manage-finances-well/

How compound growth - using the rule of 72 - reveals that you may be further ahead than you feel in your financial journey.

September 18, 2023 /insights/less-behind-than-think/

How delaying financial moves by a year could cost you nearly $140,000 over 40 years - due to compound growth.

September 14, 2023 /insights/could-year-cost-140000/

Five smart ways to lower your taxable income - like pre-tax retirement accounts, HSAs, spousal IRAs, tax-loss harvesting, and share sales.

September 13, 2023 /insights/5-ways-lower-taxable-income/

How volunteering once led to a lifesaving health check - and how helping others can improve your wellbeing, too.

September 11, 2023 /insights/can-volunteering-save-your-life/

Why ignoring Social Security could miss nearly $900,000 in retirement income - and how timing your benefits wisely matters.

September 6, 2023 /insights/ignoring-social-security/

Five smart car-buying steps - from knowing your alternatives and negotiating financing to staying energized and walking away if needed.

August 30, 2023 /insights/buying-a-car/

Discover how a smoke-filled vacation turned into a heartwarming, flexible getaway - pivoting plans and savoring unexpected moments.

August 28, 2023 /insights/vacation-plus-disaster-equals-adventure/

One of the best pieces of advice I received came on a boat in Northern Idaho. Joe and Amber were trying to get Kyle to take out a loan and buy a boat together. Kyle declined using four words I’ll never forget: “Never finance a toy.”

August 23, 2023 /insights/never-finance-a-toy/

Discover the four types of spending - needs, entertainment, societal, and addiction - and how they impact your physical and psychological well-being.

August 21, 2023 /insights/types-of-spending/

My goal? Helping you reach financial independence so you choose to work - not because you have to.

August 16, 2023 /insights/goal-help-people-reach-financial-independence/

Why combining finances isn’t all-or-nothing - it’s like a dimmer switch with infinite ways to blend autonomy, fairness, and goals.

August 14, 2023 /insights/combining-finances-dimmer-switch/

Know how RSUs are taxed - why vesting counts as income, how your share basis works, and short- vs. long-term capital gains.

August 9, 2023 /insights/how-are-restricted-stock-units-taxed/

What worked in the past may not work in the future. Change is like a current. Standing still takes effort. Making progress takes more. Fortunately, most of life’s major changes happen every day! Seek the counsel of those who have gone from where you are to where you want to go.

August 7, 2023 /insights/worked-in-the-past-works-in-the-future/

Know how couples may achieve financial independence: estimate expenses, subtract expected income, then multiply the shortfall by 25.

August 2, 2023 /insights/how-does-a-couple-reach-financial-independence/

What percent of covered workers earn more than the Social Security maximum? Only 6%! It shocked me it was that low. How about you?

July 31, 2023 /insights/what-percent-max-social-security/

What is financial independence? That’s the beauty of it. Everyone’s definition is different. At its core, it's the ability to do what you like, when you like, and with whom you like.

July 26, 2023 /insights/what-is-financial-independence/

We tend to focus on what we know. It’s specialization at its finest! Unfortunately, this laser focus can create painful blind spots.

July 24, 2023 /insights/where-we-focus-what-sinks-us/

Is it better to own stock or contribute to an Employee Stock Purchase Plan (ESPP)? It may be preferable to contribute to the ESPP instead of owning the stock outright. This post reviews the impact of owning $10,000 of stock compared with contributing $10,000 to an Employee Stock Purchase Plan given

July 18, 2023 /insights/own-stock-or-espp/