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Update to post: I originally sent out a survey link I created for content you would prefer to see. However, user error and an update on Substack nullified this attempt! Will send one out later this month!

Last Week’s Roundup

Is a Roth Conversion Worth It? (Case Study.)

If you’ve ever wondered if a Roth conversion is something you should do, this episode will give you an example to think about! I walk through a real-life scenario of what a Roth conversion looks like and explain how to compare the tax benefits in retirement with any taxes you will need to pay now if you convert your IRA or 401(k) to Roth money.

Should You Pay Off Your Mortgage Early?

If you want to learn about the pros and cons of paying off your home mortgage early, this is the video for you! Some, like Dave Ramsey, suggest paying off all debt on your home as soon as possible. Others recommend never paying off your home and instead leveraging the debt for your investments.

I take a balanced approach between both of these extremes and provide three questions that will help you analyze your situation and decide what works best for you. Additionally, I explain why I recommend NOT paying off your home in full until your retirement is fully funded!

This Week’s YouTube Live, Friday at 10am

Did you know that Social Security can be double taxed? Before 1994, Social Security income was not taxable. Now, up to 85% of your Social Security income is considered taxable. This means you paid taxes when they collected your contributions through payroll, and again when you receive benefits. In this week’s episode, I will explain how exactly Social Security taxation works and give you some ways to potentially reduce or eliminate it (as much as possible).