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Archives for September 2017

Why I do my own taxes (and why you might not)

September 25, 2017 by indyfinance 11 Comments

Every year around February 1, I fire up the IRS's Free File Fillable Forms and begin the arduous process of manually inputting all my income and expenses for the year. I have what you could think of as either a very complex individual tax return or a very simple business tax return. It's a very complex individual tax return since I have to fill out Schedules C and SE in … [Read more...] about Why I do my own taxes (and why you might not)

Accelerating payments versus making good decisions

September 17, 2017 by indyfinance 2 Comments

Here at Saverocity, our glorious leader Matt and I have a difference in opinion, which is always more fun than agreement, so I thought I'd take a few minutes to give the strong form of our disagreement. I don't think either of us actually holds the strong form of these opinions, but the strong form illustrates the difference most dramatically. Anyone who has met Matt knows … [Read more...] about Accelerating payments versus making good decisions

Bitcoin seems fine, but there’s no reason to own any

September 16, 2017 by indyfinance 4 Comments

The other day someone on Twitter linked to this very interesting essay by Marc Andreesen of Andreesen Horowitz, the prominent venture capital firm, which I highly recommend if, like me, you missed it when it was published in 2014. I think the essay crystalized for me two points in the cryptocurrency/blockchain discussion that are sometimes passed over or muddled. The … [Read more...] about Bitcoin seems fine, but there’s no reason to own any

The problem of class projection

September 14, 2017 by indyfinance 1 Comment

A few different situations have recently set me to ruminating on a curious problem that I think doesn't receive the attention it deserves. My working name for this problem is "class projection," although I'm sure the academics have already come up with a much better, or at least longer, term for it. The problem is that when people imagine how other people think, they project … [Read more...] about The problem of class projection

Do we have a retirement savings crisis or a retirement income crisis (or neither)?

September 11, 2017 by indyfinance 10 Comments

I'd like to set some facts up on the board: In 1966, prior to the Johnson Administration's "War on Poverty," 28.5% of Americans over the age of 65 were living below the poverty line. In 2012, just 9.1% were; Since 1978, the number of workers covered by defined benefit pension plans has been in steady decline. in 2013, 39.5% of new female filers and 35.6% of new male … [Read more...] about Do we have a retirement savings crisis or a retirement income crisis (or neither)?

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