Thing One The Most Valuable Thing You Can Put Into An Investment Is Time I came across an example recently that does a good job explaining compound growth. Imagine two people who both invest $3,000 a year and retire at age 70. The first starts at 22, invests $3,000 a year for 15 years, and then stops completely at 37. His total lifetime contribution: 15 years × $3,000 = $45,000. The second does nothing for those first 15 years. He starts at 37 and invests $3,000

Thing One Beware The Scammers Most scams today don’t begin with someone asking you to wire $10,000 to a stranger. They start with something that looks completely routine: “Your package could not be delivered. Click here to reschedule.” “We detected suspicious activity on your bank account.” “Your Amazon purchase for $742 has been approved. If this wasn’t you, click here.” “Your toll payment is past due. Pay now to avoid additional penalties.” Or even a text that simpl

Thing One The Social Security and Medicare Issue Most people are aware of the ticking time bombs that are the Social Security and Medicare trust funds. The former is projected to be insolvent by 2035 and the latter by 2036. We believe that all options for addressing the impending crises should be on the table, including means testing, which would essentially reduce benefits for well-off “older people”. With that in mind, we share what WSJ writer, Marc Siegel said on th