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Brandon Renfro

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Brandon Renfro
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Louisiana, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

Will working longer affect your retirement? Of course. But how much longer and how big of an impact will it make? That question will lead you down a much more useful thought path. There are many things that will affect how long you are in the workforce. Some of these things you can’t control (such […]The post Will Working Longer Affect My Retirement? appeared first on Brandon Renfro, Ph.D.. ...
Posted: Mar 06 2019 @ 12:56 PM
Living happily in retirement means crafting a spending plan to support your lifestyle. To do that, you’ll need to think about how you plan to live in retirement. Not just now, but for the long term too. That could involve a plan to spend more early in your retirement. While you can’t know for certain […]The post Should You Plan to Spend More Early In Retirement? appeared first on Brandon ...
Posted: Feb 19 2019 @ 12:44 PM
Market dips are inevitable. If you have been saving for retirement for decades, then you are no doubt aware of market fluctuations and have weathered a few yourself. When you are saving for retirement, particularly when you are still several years out, these dips can help build your portfolio. Since you are still contributing, your […] The post Retirement Withdrawals in a Down Market appeared first on Brandon Renfro, Ph.D.. ...
Posted: Feb 05 2019 @ 1:12 PM
Asset allocation is the next step in the investment process. Your asset allocation involves two steps: Decide which index funds to include in your portfolio. Choose how much of your portfolio to place in each one. After you decide which investments to include in your portfolio, you need decide how you want to combine them. […] The post Asset Allocation for Retirement appeared first on Brandon Renfro, Ph.D.. ...
Posted: Jan 22 2019 @ 1:54 PM
Are index funds good investments for retirement? If you’ve done any amount of reading on investment strategies, you have certainly heard about index investing. In this article I’m going to explain WHAT index investing is and WHY it is such a good strategy for your retirement. This article goes a little deeper into market theory, […] The post Are Index Funds Good Investments For Retirement? appeared first on Brandon Renfro, Ph.D.. ...
Posted: Jan 08 2019 @ 1:30 PM
Social Security is a significant portion of most retirees total income. In fact, about a third of retirees get 90% of their income from Social Security.  Such an important component of your income deserves some attention. In this article you will learn how your benefit is calculated so that you can get an idea of […] The post How Much Will I Get from Social Security? appeared first on Brandon Renfro, ...
Posted: Dec 25 2018 @ 1:30 PM
Is Social Security Going Broke? More importantly, will YOU be able to collect Social Security benefits when you retire? Well, to quote the 42nd President of the United States, that depends on what the meaning of the word is… is. That’s right. I said it. The point I want to make here is that there […] The post Is Social Security Going Broke? appeared first on Brandon Renfro, Ph.D.. ...
Posted: Dec 11 2018 @ 11:51 AM
One withdrawal strategy that you could use for your retirement income is to withdraw a fixed percentage of your portfolio each year. Because of its simplicity this approach may be appealing to you. It is also very easy to implement. In this article I’m going to explain how this strategy works, and its pros and […] The post Can I Withdraw a Fixed Percentage of My Portfolio in Retirement? appeared first ...
Posted: Nov 27 2018 @ 12:15 PM
What are the risks of relying on  dividends for retirement income? Like most things used in moderation there isn’t anything wrong with dividends, or the stocks that pay them.  In fact, higher-dividend paying stocks are usually older, established, and strong companies. They can be good components of retirement income plans and help provide some diversification […] The post What are the Risks of Relying on Dividends for Retirement Income? appeared first ...
Posted: Nov 13 2018 @ 12:45 PM
What is a Roth conversion ladder and how can it help you fund early retirement? I’ve written before on the five year rules of Roth IRA’s. This strategy utilizes a specific rule that affects Roth IRA conversions, and provides a means of taking tax-efficient withdrawals from your retirement account BEFORE you turn 59.5. Roth IRA […] The post Creating a Roth Conversion Ladder to Fund Early Retirement appeared first on Brandon ...
Posted: Oct 30 2018 @ 10:57 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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