Setting Up Your Emergency Fund Life is full of surprises. Unfortunately, some of these surprises can be costly and difficult to manage. That’s where your emergency fund comes in. This is a savings account that you set up specifically for unexpected expenses. By having this money saved up, you can avoid taking on high-interest debt or dipping into other savings or investing accounts when something unexpected comes up. ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://inside.ein.la Tax-Efficient Investing: http://taxes.ein.la More Resources ..read more

The Decision Making Process in Investing While we cannot predict the future with certainty, making a choice empowers us with a sense of control and responsibility. ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la More Resources: http://links.ein.la ———————— Jason T. Micheli, PhD is a wealth manager in Orange County, CA serving clients all across the United States.  To enquire about working with Jason, start here: http://start.ein.la.  To learn more about Jason, vi ..read more

Today we answer top questions about retirement investing from our listeners and readers. Topics include:  How can I calculate how much I truly need to save for retirement? If my investments are large enough, can I stop saving for retirement? When should I start collecting social security? When is the best time to convert traditional IRAs to Roth IRAs? Should we refinance our jumbo loan to a conventional loan? How do HSAs work? ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la ..read more

What Retirement Accounts to Use When comes to saving for retirement, one of the challenging decisions is deciding which accounts to prioritize. Should you focus on maxing out your 401(k) or your IRA? And when is it appropriate to consider a taxable account for your retirement savings? Furthermore, how does debt factor into these choices? These are all important questions to consider, as personal finance is unique to each individual. In this episode we explore the best strategies for retirement savings so you can make informed decisions based on your circumstances. ———————— Investing Resources ..read more

Why Invest in International Stocks? In this episode we discuss international stocks. Specifically, we talk about why one might invest in international stocks, even though they underperform U.S. stocks in some years; how much should a person allocate to international stocks; and what is the best way to add international stocks to a portfolio? ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la More Resources: http://links.ein.la ———————— Jason T. Micheli, PhD is a wealth manager in Ora ..read more

What accounts should you fund first? Many people think that the first account they should fund when saving for retirement is a 401(k) or IRA, but that’s not always the case. Knowing what types of accounts to use and which accounts to fund first, can make a big difference in your long-term savings and future tax bill. So, if you have always wanted to know the order of accounts for saving your money, this episode is for you. ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la More Resources ..read more

Why Invest in the Stock Market? Why invest in the stock market even though there is the risk of losing money? In can be hard to watch your account balances drop, so what should you be doing with your investments today? What happens to the stock market during crises? We help you understand why it still might make sense for you to invest in the stock market even in light of the risk that is involved. ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la More Resources: http://links.ein.la ..read more

Investing at All-Time Highs When investing at all-time highs, some wonder if the markets can continue to go up in value or if there is an inevitable drop coming.  Those who fear a drop have basically two options: 1) stay the course; or 2) employ a strategy that will pay off if there is drop in the market. Today's episode looks at some strategies that people are considering. ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la More Resources: http://links.ein.la ———————— Jason T. M ..read more

Determining Your Risk Tolerance This episode discusses the difference between your ability to take risk and your willingness to take risk and how these things play a crucial role in your investment portfolio.  ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la More Resources: http://links.ein.la ———————— Jason T. Micheli, PhD is a wealth manager in Orange County, CA serving clients all across the United States.  To enquire about working with Jason, start here: http://start ..read more

Traditional IRA vs Roth IRA. Which is Better? When you contribute to retirement accounts, you typically have two options: traditional accounts or Roth accounts. Which is better?  Tune in to today's episode to learn the benefits of each and which might be better for you. ———————— Investing Resources Free Financial Assessment: http://start.ein.la How I Invest: http://taxes.ein.la Tax-Efficient Investing: http://inside.ein.la More Resources: http://links.ein.la ———————— Jason T. Micheli, PhD is a wealth manager in Orange County, CA serving clients all across the United States. To enqu ..read more