Investing

The median American household has about $8,000 in a savings account. The average retirement savings for someone nearing 65 is roughly $200,000. That number needs to be closer to $1.5 million to maintain a modest lifestyle. That gap — between $200k and $1.5M — is not a math error. It’s a structural problem in how …

You spent three hours comparing two credit cards to save $12 a year in fees. You rebalanced your 401(k) for the fourth time this quarter. You clipped coupons for an hour to save $3.50 on groceries. That feeling of wasted effort? It has a name. The law of diminishing returns. In economics, it says that …

Long-time readers here know that personal savings rate is one of my favorite personal finance metrics (along with safe withdrawal rate, crossover point, net worth, and “usable net worth”, to name a few). No other metric is as apt at diagnosing your current “personal business” of household cash flow management. In its simplest form, Personal …

I recently highlighted a few different alternatives to stocks and low-interest cash savings. One of the options I mentioned was a money market fund (also known as a money market mutual fund). Money market funds are often confused for similar-sounding money market accounts – a type of savings account that banks offer, but they are …

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