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Is It Possible to Save Too Much Money?

by Luke Landes

For most humans, life is much shorter than we would like, and for many of us saving even ten percent of our income will never result in a state of wealth within our lifetime. There are too many forces working against this endeavor: a lack of sufficient opportunity, inflation, and unplanned events to name a ... Continue reading this article…

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Changes in Estate Tax Law Affect When People Die

by Luke Landes

Between March 1917 and January 1984, there have been thirteen major changes in the rules for the estate tax, a tax paid by heirs for wealth inherited. Of these thirteen changes, eight were tax increases and five were tax decreases. In 2001, A study by the University of British Columbia and the University of Michigan ... Continue reading this article…

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Money With Your Honey, Tips for Freshmen, and the Frugal Life

by Luke Landes

As I find time, I write articles for websites other than Consumerism Commentary. This will always be my home for writing about money, but I’ll take whatever opportunity I can to share my thoughts online with more readers. Here are a few of the recent articles I’ve published around the internet. Please read these and ... Continue reading this article…

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Ten Things I Will Teach My Children About Money

by Luke Landes

I do not currently have children, but I have not ruled out starting a family some day. If and when I do have children, I hope I will be able to help them become smart and capable adults over time. I believe this is what my parents have done for me, and I’d like to ... Continue reading this article…

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Three Detailed Income Strategies for Retirement

by Luke Landes

Earlier this week, I reviewed common financial rules of thumb and offered a quick evaluation of how each rule would likely perform if accepted by an individual as the final word. One of these was the rule that convinces retirees they will be financially secure if they withdraw 4 percent of their nest egg for income ... Continue reading this article…

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Earning What You Have: The Mindset I Hope I Never Lose

by Smithee

I think I come from a moderately humble background. My parents are both college graduates, which is a statistical leg up by itself, but my father had to work two jobs until I was 15, and I’m the youngest of my siblings. Mom also started working part-time when I was about 10, and then full-time ... Continue reading this article…

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Keep Emotions Separate From Financial Decisions

by Luke Landes

If you are reading this article, it is almost completely guaranteed that you are human. And if you are human and do not have a major cerebral deficit, you have emotions. Perhaps have is not a strong enough word; everything you do, and every decision you make, is controlled by your emotions. Even the strive ... Continue reading this article…

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A Report Card for Financial Rules of Thumb

by Luke Landes

I’m not a big fan of “rules of thumb.” These are bite-sized nuggets of wisdom masquerading as advice, designed to apply to a mass audience. At best, they cant point someone in the right direction, but at worst, rules of thumb can erroneously send people on the wrong path or can mistakenly instill a false ... Continue reading this article…

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