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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

Money Market Accounts, or MMAs, are a type of savings account that pay a higher rate of interest than you typically earn on a standard savings account. Because they are highly liquid, money market accounts are a good choice for the cash portion of savings. There are a few things to be aware of before … What is a Money Market Account? Read More »The post What is a ...
Posted: Jul 09 2019 @ 1:40 PM
One of the easiest ways to increase your retirement income is to reduce your tax bill on that income. With tax-free municipal bonds you can reduce that tax bill to zero and enjoy tax-free retirement income. If you loan money to state and local governments by purchasing municipal bonds, the interest you receive is normally … Tax-Free Municipal Bonds Read More »The post Tax-Free Municipal Bonds appeared first on ...
Posted: Jul 02 2019 @ 1:45 PM
An emergency fund CD ladder can be a good tool to earn a little higher rate than you would likely get if you simply kept your emergency fund money in a checking account. One of the most basic components of a financial plan is an emergency fund. Keeping readily accessible cash on hand can help … Emergency Fund CD Ladder Read More »The post Emergency Fund CD Ladder appeared ...
Posted: Jun 18 2019 @ 1:19 PM
To use this bond calculator simply select the item that you would like to solve for and input the variables that you know. Below the calculator you’ll see instructions to solve for anything you can use a bond calculator for to include tax-free equivalent municipal bond yield. A few quick notes… Coupon A bond’s coupon … Bond Calculator Read More »The post Bond Calculator appeared first on Brandon Renfro, ...
Posted: Jun 11 2019 @ 1:30 PM
If you are subject to required minimum distributions (RMDs), you may be wondering if they can affect your planned withdrawal strategy. You can see this easily by considering the RMD percentages by age and comparing them to your planned withdrawal rate. In this post I’ve made an RMD percentage table and will show you how … RMD Percentages – Can They Affect My Withdrawal Strategy? Read More »The post ...
Posted: Jun 04 2019 @ 1:15 PM
Roth conversions can be a good strategy to reduce your tax bill both before and during retirement. A large market drop provides a good opportunity to convert even more of your retirement savings to a Roth IRA with an even lower tax bill. The benefit is even greater if you still have a long-term mindset … Should I Do Roth Conversions When the Market is Down? Read More »The ...
Posted: May 28 2019 @ 2:10 PM
If you have $600,000 saved toward retirement can you retire? It may be possible. It really all depends on what is important to you in retirement and how much income you need for a comfortable retirement. To figure out if $600,000, or any amount, is enough for you to retire on you’ll need to consider […]The post Is $600,000 Enough to Retire? appeared first on Brandon Renfro, Ph.D.. ...
Posted: May 13 2019 @ 2:15 PM
Should you hold your own employer’s stock in your 401K? The conventional answer, and my default response, is… no. However that is a topic that is worth some discussion. While I wouldn’t encourage you to buy your employer’s stock in your 401k plan it doesn’t necessarily follow that you should immediately sell it if you […]The post Should I Hold Company Stock in My 401k? appeared first on Brandon Renfro, ...
Posted: Apr 30 2019 @ 12:15 PM
Roth IRA’s are one of the best retirement saving tools. You can’t deduct contributions from your taxable income, but you get to withdrawal them, and the earnings, tax-free in retirement. Because of your contributions ability to grow exponentially over time, that can be a big benefit. However, not everyone is able to contribute directly to […]The post Can I Contribute to a Roth IRA if My Income is Too High? ...
Posted: Apr 16 2019 @ 9:15 PM
The yield curve is a popular economic indicator. It is a graph of the yield on bonds with different maturity terms, and often used to gauge the direction the economy is headed. Although you can create a yield curve from the yield and maturity of any type of bond, “THE yield curve” usually assumes we […]The post What is the Yield Curve and What Does it Mean? appeared first on ...
Posted: Apr 02 2019 @ 9:45 PM


"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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