Creating an Income Floor in Retirement

An income floor is the minimum reliable monthly income needed in retirement to cover essential expenses like housing, food, and healthcare. It typically includes Social Security, pensions, and dividends. Building this foundation offers stability, reduces the risk of selling investments during downturns, and supports long-term security. Pairing it with a solid budget helps retirees confidently manage cash flow and maintain their lifestyle.

Always Be Buying (ABB!): Why Consistency Beats Timing in Long-Term Investing

Consistently investing through dollar-cost averaging (DCA) helps reduce emotional stress and risk, even when markets hit all-time highs. Historical data shows buying at market peaks often leads to strong long-term returns, with nearly 30% of past highs becoming lasting floors. Rather than waiting for the perfect moment, disciplined, regular investing—Always Be Buying (ABB)—has proven to be a reliable strategy for long-term wealth building.

Understanding Trump Accounts: A New Wealth-Building Opportunity for the Next Generation

A new provision in the tax bill creates “Trump Accounts” for babies born between 2025–2028, starting with a $1,000 government deposit and allowing up to $5,000/year in contributions. Invested in a stock index fund, these accounts could grow into millions by age 50 through consistent saving and compounding. With just $50/month, families can give children a powerful financial head start. Learn how to make the most of this opportunity.