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Retirement

Required Minimum Distributions For Couples? Yes There Is A Spreadsheet for That.

June 4, 2022 by James Hendrickson Leave a Comment

Required minimim distributions for couples spreadsheet

Hello Dinks, If you are a couple looking at retirement in the next few years, you might be wondering the required minimum distributions for couples are.  And you might want to calculate these yourself. Well, there is a spreadsheet for that. A friend of dinksfinance has produced a very nice required minimum distributions (RMDs) spreadsheet for couples.  It is a simple … [Read more...] about Required Minimum Distributions For Couples? Yes There Is A Spreadsheet for That.

What Are the Tax Strategies of High Income Earners?

March 15, 2022 by Melissa Batai Leave a Comment

Tax Strategies of High Income Earners

  As a DINK couple, you may find yourself and your partner in the enviable position of earning high salaries. While having a high income is a nice reward for hard work, drawbacks exist. One of the biggest is the amount of taxes that you have to pay. However, you can utilize tax strategies of high-income earners to limit the tax burden you face. … [Read more...] about What Are the Tax Strategies of High Income Earners?

4 Financial Books You Should Read in Your 20s

February 8, 2022 by Melissa Batai Leave a Comment

Financial Books You Should Read in Your 20s

Have you graduated from college and have student loan debt? Are you trying to become financially secure so you can afford to travel the world? No matter what your goals are, you may benefit from these 4 financial books you should read in your 20s. If you can get out of debt in your 20s and start saving and investing, you’ll be looking at a bright, enjoyable financial future. … [Read more...] about 4 Financial Books You Should Read in Your 20s

How to Retire as a Couple with Age Disparity

November 30, 2021 by Melissa Batai Leave a Comment

Retire with an Age Disparity

If you and your spouse have a large age gap, you’re not alone, especially if you’re in your second marriage. While only 5% of men in their first marriage are married to a woman 10 years or younger than they are, that figure jumps to 20% in second marriages (Pew Research). If you have this age gap, you need to carefully plan how to retire as a couple with age disparity. … [Read more...] about How to Retire as a Couple with Age Disparity

Smart Ways to Spend $3000

August 10, 2021 by Melissa Batai 2 Comments

Smart Ways to Spend $3000

Do you have an extra $3,000 you need to decide how to spend? It may have come from a work bonus, a tax return, a stimulus check, or a small inheritance from a long-lost uncle. Whichever way you received the money, there are many smart ways to spend $3000. … [Read more...] about Smart Ways to Spend $3000

What Is A Nest Egg and How Do You Build One?

January 14, 2020 by James Hendrickson Leave a Comment

Its past new years and before tax season.  That means a lot of people are thinking about how to allocate their money for retirement.  You may also be considering how to build up your own nest egg.  But, what is a nest egg and how do you build one? Here is a handy definition and some rules of thumb. … [Read more...] about What Is A Nest Egg and How Do You Build One?

Retirement Contribution Limits Increase to $19,500 for 2020; Catch-up Limit Rises To $6,500

November 8, 2019 by James Hendrickson Leave a Comment

Earlier this week the IRS released their updates to retirement plan contribution limits. The good news is everyone's favorite tax agency has increased the amount you can contribute for your 401(k), 403(b) and 457 plans. Limits generally increased from $19,000 to $19,500. Catch up contributions for workers aged 50 and over who participate in these plans increased from $6,000 to … [Read more...] about Retirement Contribution Limits Increase to $19,500 for 2020; Catch-up Limit Rises To $6,500

Can You Put Cryptocurrency in Your IRA?

May 3, 2018 by Team Dinks Leave a Comment

How's your 401(k) or IRA doing? A typical 401(k) plan returns from 5% to 8% based on a portfolio of 60% stocks and 40% bonds and other conservative investments. If your retirement plan is not meeting expectations, you may be tempted by the high returns of cryptocurrencies like Bitcoin – but should you be wary of incorporating cryptocurrency into your account? … [Read more...] about Can You Put Cryptocurrency in Your IRA?

Give Your Savings an Attitude Adjustment

October 26, 2017 by Jackie Cohen Leave a Comment

Give your savings an attitude adjustment.

The prospect of having to amass seven digits worth of money to cover your retirement can be so daunting that you might feel tempted to abandon all hope. You'll regret it if you don't save for the future, so today you might need to give your savings an attitude adjustment. Here's how to do just that. … [Read more...] about Give Your Savings an Attitude Adjustment

Why the Gig Economy Needs Retirement Plans

September 18, 2017 by Jackie Cohen Leave a Comment

retirement plans, retirement advice, gig economy retirement

Ironically, one of the most complicated tax brackets is populated by workers who appear to face some of the greatest uncertainty of ever being able to retire. The gig economy needs retirement plans. … [Read more...] about Why the Gig Economy Needs Retirement Plans

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Manage Your Money Together

Here are some simple guidelines for DINKS to build wealth:  

1) Collaborate. Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

6) Invest in stock. Stocks preform better than bonds or cash.

7) Avoid high interest debt. Credit cards and title loans are financial cancer.

8) Diversify. Don't put all your eggs in one basket.

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