101 Level
Audit year-to-date progress against 2024 retirement saving opportunities
[Meta employees only] Company 401k Investment Options Walk-Thru
For other companies, feel free to reach out to uspersonalfinance@gmail.com for options on getting educational guidance
Track your personal finances (referral link)
Free personalized dashboard to have a 360-degree view of your finances, you can see all your accounts in one place, including your investments, and go deeper with Empower’s planning and analytics tools.
An educational platform to learn & understand best practices
Advanced Level
Are you selling your RSUs on each vesting day?
My views on handling RSUs following each vesting day
The Contrarian Case for a Roth 401(k) Strategy
For those living in tax-free states and in the 22%/24% federal marginal tax brackets
How to tax-loss harvest investing losses, typically triggered by market downturns (e.g. 2020-March Coronavirus), to create both near term and longer term tax breaks
2020-March Coronavirus Market Commentary
How to maintain a balanced, long term investing perspective, in light of the market downturn driven by Coronavirus
APPENDIX (external content)
Before diving into advanced topics, there are several prerequisite priorities:
6-month rainy day fund
Higher-interest debt pay-down (i.e. all non-home debt, so mainly car, student and credit)
Any money tied in the near term to a home down payment, children's education and family health SHOULD NOT (in my humble opinion) be invested into a retirement account (401(k) or IRA, due to $$, for the most part, being locked up till retirement) or, more generally, into the stock market. This money is best suited to be parked in a high-yield savings account or CD. The stock market, historically, only provides stable return over medium terms and beyond. Any money invested in the stock market, you should plan to keep invested for at least 5 years (and, ideally, 10 years). During the 2008-09 crisis, the market required ~6 years to fully recover. See attached graphic!