The S&P 500 is now essentially flat for the last 2-months …and honestly, this is a sign of a healthy market. Healthy markets ebb and flow and work their way up over time. Unhealthy markets zig and zag and show a great deal more volatility day-to-day. Healthy markets tend to make money in a certain period and then “consolidate the gains,” to borrow a common phrase, which is to say the chart looks roughly flat...

Here is a post ONLY applying to working individuals who were will be age 50 or older by the end of 2024, who expect to earn more than $145,000 in 2024. If this does not apply to you, please disregard, unless you’re just fascinated with rules changes. Long story short, if you max fund your work retirement plan AND take advantage of the allowable catch-up amount, that catch-up amount starting in 2024 must be contributed...

The Federal Reserve raised rates again last Wednesday. I have discussed this at length from various angles in previous posts, but please understand online savings accounts are now near or even in excess of 5%. They have low or no minimums, and they interface directly with your bank. I know this is a leap of faith for some of you who have not previously embraced online banking, but just understand your brick-and-mortar bank or credit...