If you run a small business in California, and have even ONE employee, you are required to offer a retirement savings plan by the end of 2025. SB1126 was signed by Gov Newsom in 2022, and will automatically enroll you and your employees in the state run CalSavers retirement plan if you don't set up your own qualified plan, like a 401k.

ATTN: Solopreneurs – The Solo 401k is the secret wealth hack you didn’t know you needed. If you are a business owner and your only employee is yourself, you can save a massive amount in taxes by opening a Solo 401k plan. These plans can be setup at a reputable firm like Charles Schwab, and often have low/no fees.

The human brain is laughably terrible at being able to correctly predict when you should buy and sell investments. Here are some fun facts that show the benefit of staying invested for the long term.

Money Avoidance - Not wanting to look at your financial situation, over fear of shame or guilt about what you may find.

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You are not alone.

From 1980-2023, the U.S. housing market returned 8.6% while the S&P 500 returned 14% when including dividends.

Not quite a bond, and not really equity, preferred stock sits between these two major portfolio building blocks in the capital stack. So why should you consider adding preferred stock to your portfolio?

40% of your daily actions are habits, not decisions!

"Stocks are so expensive! I can't invest now!" - Everyone

"My advisor picks the best bond funds. These portfolio managers can add alpha because bonds are less liquid than equities." 🤔 🤔

Tax-free income and protection of capital?!?!… Its not an IUL, its municipal bonds!!

Mindful Spending – Create a list of things that are important to you and spend on them freely. Premium pet food, kids activities, or a backyard BBQ with friends can add lots of value to life. Then reduce or eliminate mindless expenses.

If unclogging toilets at 2am at your rental property is not your idea of passive income, then you may want to consider a Real Estate Investment Trust.

A rudderless boat only has the freedom to sail in circles.

Charlie Ergen, the co-founder and chairman of Dish Network, is in a tough spot. After amassing $26bill in debt, Dish has to shore up their balance sheet while trying to negotiate with its bondholders.

Keeping track of all of your accounts can be hard. If you have changed jobs recently, did you remember to rollover that old 401k to the new employer??

Secure Act 2.0 has over 90 provisions in it. Here are the top 5 that are most likely to affect you.

To Buy Or Not To Buy… That Is The Question.

Bitcoin ETFs were just approved by the SEC, and the price of Bitcoin has been rising since Oct'23 in anticipation. Advocates of Bitcoin claim that this is proof of the demand from the investing public for access to Bitcoin. They say this is the future of investing.

Have you ever wondered about the financial commitment of raising a child? According to a 2022 study from the Brookings Institute, the estimated cost is $310,605 before college.

Index Funds for the win!!