Risky Business
Maren O'Neill2025-02-01T06:59:28-06:00There is almost no end to the risks we endure in military service. But how do we face up to investment risk?
Diversification: Always Saying You’re Sorry
boneillf162025-01-25T17:07:55-06:00It’s rare to hear that you shouldn’t diversify your investments, but really, should you?
What’s the Best College Account–529 or UTMA?
Maren O'Neill2024-12-28T17:04:58-06:00It’s time to save for college, but where should you start? A 529? A UTMA? Something else?
Back to Basics: Account Types
Maren O'Neill2024-12-15T00:11:34-06:00Investing and personal finance has too much jargon. Let’s just focus on the basics of account types!
Markets Versus Mattresses
boneillf162025-02-09T13:31:03-06:00The market is too high to invest in, right? Wait, how do you know? When do you jump in? All at once, or a little at a time?
I-Bond Update 2024
boneillf162024-11-09T15:57:47-06:00Series I-Bonds dipped to 3.11% but new bonds pay a 1.2% fixed rate. Should you stay the course with I-Bonds?
Logical Conclusions
Maren O'Neill2024-11-02T05:24:57-06:00Does the rule of law matter to your TSP? Probably so…
When is PAWing Okay?
Maren O'Neill2024-05-18T20:04:24-06:00Is your net worth on course, on glidepath? How much net worth should you have for your age?
Single Stocks—An Uncompensated Risk
Maren O'Neill2025-02-09T13:40:25-06:00Investing in single stocks can pay off big (early Apple), result in disaster (Enron), be a long-slow decline (GE), or be a roller coaster (most companies over time).
Diversification: Always Saying You’re Sorry
Maren O'Neill2024-01-14T09:25:43-06:00It’s rare to hear that you shouldn’t diversify your investments, but really, should you?
How Fighter Pilots KISS Part 2
boneillf162025-02-09T13:54:22-06:00Diversification is good, but how much of a good thing do you need? Can too much diversification harm your portfolio?
How Fighter Pilots KISS
boneillf162025-02-09T13:55:11-06:00Everything has its place, but do you really need separate accounts all over the place? How many IRA's are enough?
Markets Versus Mattresses
boneillf162025-02-09T13:56:12-06:00The market is too high to invest in, right? Wait, how do you know? When do you jump in? All at once, or a little at a time?
Non-Traditional Investments
boneillf162025-02-09T13:57:17-06:00Investing in dollars is necessary, but not sufficient. To solve for happiness, we need to invest in other ways too.
How Lieutenants Become Millionaires, Part 3
boneillf162023-06-28T23:25:25-06:00Now Lieutenants know what to do, but WHY? And How?
How Lieutenants Become Millionaires, Part 2
boneillf162023-06-25T17:23:08-06:00Graduating from a 20-year military career with a million-dollar nest egg is well within reach for new officer. Modest savings in the Thrift Savings Plan (TSP) added to the traditional defined benefit pension for 20+ year military retirees can make today’s butter bars into tomorrow’s millionaire next door, but you have to act now!
How Lieutenants Become Millionaires, Part 1
boneillf162023-06-17T16:00:53-06:00Building sufficient wealth isn't the first thing on a young officer's mind, but it can't be the last either.
What if the Market Crashes?
boneillf162025-02-09T14:00:08-06:00The news says the debt ceiling might crash the markets, what should you do?
Are you Saving Enough?
boneillf162025-02-09T14:03:43-06:00We all wonder if we’re saving enough or too little, perhaps even too much. How should you think about your savings goals?
In Defense of Paying Taxes
boneillf162023-03-05T12:33:37-06:00No one likes paying taxes, but is there an upside to getting a tax bill?
The Best and Worst Times to Fund an IRA
boneillf162023-02-19T07:05:26-06:00The IRS tells us when we can and can’t fund an IRA. We have to manage when we will or won’t do it!
How to Fix a Taxable Portfolio
boneillf162023-02-11T15:34:11-06:00Can you explain why your taxable portfolio looks the way it looks? Would you buy the same things if you were starting over today?
What to Know about Roth Matching
boneillf162025-02-09T14:05:08-06:00The new SECURE Act 2.0 that passed in late 2022 paved the way for employers to match your 401(k)-type contributions with Roth dollars—here’s what you need to know!
4 – I – 4 – T for 2023
boneillf162025-02-09T14:05:58-06:004-I-4-T… Should you put money into the TSP or an IRA or both? What about a taxable account—where does that fit into an investing order of operations?
Do Fighter Pilots Buy CDs?
boneillf162023-01-14T11:29:21-06:00CDs aren't just for your grandparents. They're paying real interest now. Here's what you need to know...