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Month: January 2018

Opportunity cost

We are bombarded with spending decisions every day. Some decisions are made for us by default such as housing and commuting costs, and hopefully also retirement and savings, but our […]

Student loans are good debt

A defining characteristic of millennials are our student loans. With an average of around $20K per student, including some professional degree holders carrying as much as $100K of loans, it […]


Day 0: United States This time one year ago, I set off on a safari across Asia and Oceania to explore, learn about, and get first hand knowledge of the […]

Reducing taxes

By the end of January, many people should have received their W-2’s and other income documents. You may think that the prior tax year is pretty much over and all […]

Retirement strategies

A recent Stanford retirement study caught my attention. The authors evaluated nearly 300 scenarios and concluded that the best way to maximize income is to start social security at age […]


Much is written about the miracle of compounding. Often Einstein is quoted as saying the most powerful force in the universe is compound interest, but there’s much more to compounding […]

Bank fees: expect none

Banks have been in the news lately following last month’s changes to tax legislation. From bonus payments and pay raises for employees, to increasing bank fees, we see a mixed […]

Millennials save over $100K

The “Better Money Habits” report of Millennial finances just released by Bank of America helps dispel prolific stereotypes that we are all foolish spenders, poor money managers, tepid by the […]