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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

There isn’t a magic or standard 401k withdrawal age. You can withdraw from your 401k at any time. Of course, you’ll likely owe taxes and possibly penalties if you do. Beyond a certain age you may be required to withdraw. However, the consequences of a 401k withdrawal are very different depending on your age. Most … 401k Withdrawal Age: How Does it Affect You? Read More »The post 401k ...
Posted: Sep 04 2019 @ 12:30 PM
This article covers the mechanics of paying Roth conversion taxes. Specifically, we will look at the source of money that you use to pay the tax bill due on the conversion, as this could actually impact the amount you owe on the conversion. If you are under 59 & 1/2, paying taxes with money from … Paying Roth Conversion Taxes Read More »The post Paying Roth Conversion Taxes appeared ...
Posted: Aug 27 2019 @ 11:45 AM
As for dramatic names, the Goodman Triangle wins the competition with the moniker “Unholy Trinity of Life Insurance”. Maybe I watched too many horror movies as a kid (don’t tell my mom) but when I hear that I envision something much more sinister than a tax scenario involving life insurance. While an exorcism won’t be … Goodman Triangle – The Unholy Trinity of Life Insurance Read More »The post ...
Posted: Aug 20 2019 @ 11:39 AM
When choosing between a Roth 401k vs Roth IRA, there are a few similarities and differences you need to be aware of. It’s customary to roll Roth 401ks into Roth IRAs at retirement for better options and more control. However, Roth 401k withdrawal rules differ from the rules for Roth IRA withdrawals in several ways. … Roth 401k vs Roth IRA: Should I Roll it Over? Read More »The ...
Posted: Aug 06 2019 @ 11:30 AM
The idea for this article comes from a question submitted by a reader. I’ve copied the question below, and omitted the names to protect the innocent. (No animals were harmed in the creation of this article.) The question: Let me start by saying, I totally enjoy reading your articles/post! Do you have any information on … Sustainable Retirement Withdrawals from the S&P 500 in a Taxable Account Read More ...
Posted: Jul 30 2019 @ 11:30 AM
A Mega Backdoor Roth is a conversion strategy that allows you to save a much higher amount in your Roth IRA than you are allowed to through direct contributions. Using a mega backdoor Roth is also a way that you can contribute to a Roth IRA if your income is above the phaseout limit and … Mega Backdoor Roth Read More »The post Mega Backdoor Roth appeared first on ...
Posted: Jul 23 2019 @ 12:30 PM
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


"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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