Retiring Soon
Five-to-ten years from retirement: shift from accumulation to decumulation. Roth conversions, Social Security timing, healthcare bridge, sequence-of-returns risk, and behavioral discipline at the exact moment it matters most.
Who it’s for: Pre-retirees within 5-10 years of stopping work; their advisors; adult-children helping parents plan.
Start this track → — no account needed; the lessons are free.
Personal Finance Foundations
- Emergency Fund: Your Financial Foundation — Emergency fund basics: why a cash reserve for surprises is the foundation of investing — how much to save and where to keep it, explained for beginners.
- Compound Interest: The Eighth Wonder of the World
- Inflation: Why Your Cash Quietly Loses Value — How compounding turns time into money: the future-value formula, why starting early beats saving more later, the Rule of 72, and how the same math works against you on debt.
- Tax-Advantaged Accounts: The Match You Might Be Missing
- Roth IRA Income Limits and the Backdoor
- Index Funds: Why Most Active Funds Underperform
- Debt Management: Good Debt vs. Bad Debt
- Insurance: Protecting What You’ve Built
- Spending It Down: Decumulation and the 4% Rule
Understanding Bonds and Fixed Income
- What Is a Bond? — What is a bond? A bond is a loan to a company or government that pays you fixed interest (the coupon) and returns your principal at maturity. Explained simply.
- Price vs Yield: The Seesaw Relationship
- Duration: Measuring Interest Rate Risk