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Artwork for Life Changing Wealth, By James D Baldwin

Life Changing Wealth, By James D Baldwin

James D Baldwin

Practical wealth strategies for high earners working toward work-optional.

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PricingOnly free issuesPublishesWeekly
Issues44Founded2 years agoLast Issue19 days ago
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Artwork for Life Changing Wealth, By James D Baldwin

Latest Issues

How to use Roth conversions to lower your tax bill.

In this post last month, I explained why a Traditional 401(k) is still usually the right call for high earners, even when RMDs could pose a tax problem later.

That’s because Required Minimum Distributions (RMDs) are a fixable problem, prim...

19 days ago
10

Does it matter where you put your bonds?

Bonds have had a big news week. The 10-year Treasury yield hit 5.2%, its highest level in 19 years.

That has people worried about inflation and the economy. On the bright side, it also makes bonds a decent investment again.

It adds a wri...

a month ago
9
3

Is your 401(k) big enough to cause an RMD problem yet?

“Traditional retirement accounts are better than Roth the more you earn.” I’ve given that advice myself, and as a general rule, it still holds. You get the deduction now, at your highest marginal rate, and pay the tax later, in retirement,...

2 months ago
9
6

Where good portfolios still leak money.

When people come to me for help, often the biggest question on their mind is, “What should I be investing in?”

But nine times out of ten, investing isn’t their problem. Their investment strategy is often pretty solid.

What they actually n...

2 months ago
7

Should you invest in high-growth ETFs?

Today, there is a never ending stream of influencers who claim to have found the specific fund that will get you rich. At this point, I think you could find every single fund in the world recommended by at least one person on YouTube.

It’s...

2 months ago
10
2

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  • James D Baldwin

    I'm James. I lead corporate finance teams and write here for people who want to pay less tax, put their money to work, and invest enough to be work optional.

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