It's strange that with all of the research I've done on personal finance over the years, I never created a webpage that talks about personal finance. It's time to change that. With some luck I'll get some "Guest Contributors" to help me with some pages.

Save, Invest, and Retire 101

If you’re the kind of person that likes to just skip to the end of book, I can tell you everything you need to know in one paragraph.

Save 15%-20% or more of your gross salary for 20-30 years. Invest your savings in a set of diversified index funds and preferably within a tax deferred vehicle such as a 401K or IRA. Retire and withdrawal no more than 4% of the total of your savings every year. Done.

That's pretty much it. Start Saving, Invest your Savings, and Retire. If you would like a few more details, read the 101 below.

Money 101

  1. Start Saving
  2. Invest your Savings
  3. Retire
  4. Other

"You Work Hard, So You Owe It to Yourself to Manage Your Money" - Kristin Wong


Random Articles in no particular order

Book Recommendations

The Millionaire Next Door
Having money, and spending money are not the same thing. And in the real world, millionaires don't wear Rolex Watches, or drive Porches.


Paul Merriman

The ultimate buy-and-hold portfolio

The Ultimate Buy and Hold Strategy 2016

From Fidelity Investments