How Long Should I Plan On Living?
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Which is worse: Being destitute while still alive or dying happy and provided for with a little extra?

Account Funding Priorities for 2023
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A savings waterfall is a tool to help investors prioritize savings goals and allocate funds appropriately.

Nontaxable Social Security Thresholds Are Not Inflation-Adjusted
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Social Security has a number of flaws, to which these static tax brackets can be added.

Pension Lump Sums Are Affected By Rising Interest Rates
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If you have received a projection from your company which included a lump sum offer that you were interested in taking, you may want to analyze it again.

#TBT Don’t Eat Yourself Out of Financial Security
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The worst financial problems stem from trying to live a champagne and caviar lifestyle on a beer and chips budget.

The Haunting of Bob Cratchit: A Book from David Marotta
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Did you know David wrote a Christmas novel? This 2020 book by David John Marotta and Brendon Marotta makes you rethink what is happening in Charles Dickens’ A Christmas Carol.

Social Security Fact Report: Insolvent in 2035
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Every day, we voters and the government have the chance to free our children from this burden.

Be the One Who Can Write That Check
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It is perfectly fine for you to underspend your assets. You don’t need my permission, but you have my blessing anyway.

A Very Conservative Gone-Fishing Portfolio of Vanguard Mutual Funds
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I share this story here in case others in a similar situation may benefit from seeing this example.

Your Social Security Benefit Lags Inflation
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There are at least two reasons why your Social Security benefits are failing to keep up with inflation.

Lessons for 2022 from My 1983 First Mortgage at 11.5%
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We haven’t seen high interest rates in many years, but high interest rates do not remove the potential benefits of having a mortgage.

The Art and Science of a Bond Allocation (529 Plan Example)
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Adding more Stability to an asset allocation isn’t an easy issue. It takes science to know how much bonds you need. It takes artistry to gradually adjust your asset allocation over time. 

More Self-Control Leads to Wiser Spending, Not Less Spending
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In this article, I am defending the use of self-control in your financial habits.

#TBT Tax By Inflation
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Inflation has at least four grievous effects on our economy. This 2014 article explains them.

#TBT Five Reasons to Have Some Cash Equivalents
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Staying fully invested is an important part of your financial plan. Yet still, there are at least five reasons to hold cash.

#TBT Sage Advice After Stock Market Drop
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Old financial news read with 20-20 hindsight helps remind us that this is what markets do.

Review: eBay Mastercard Credit Card
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Although this card is an easy way to pay 3% less for an eBay purchase, I won’t be adding it to my wallet since that is its only use.

#TBT Be Wary Of Sponsored Content
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As advertisers have found it harder and harder to reach consumers, they are continually seeking ways to gain your attention.

Are Recessions a Real Thing?
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Regardless of which it is and whether we are in a recession, it is always a good time to have a balanced portfolio.

Radio: Dangers of Seeking Utopia
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On Tuesday, April 12, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about dangers of seeking utopia and the sinfulness of humanity.

Avoid the Publishers Clearing House Scam
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Protecting you from elder fraud is just one of the many services we can offer as a part of comprehensive financial planning.

#TBT The Value of Systematic Roth Conversions
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In this video, David used examples from our tax planning service to demonstrate what a Roth conversion plan might look like and how systematic Roth conversions can create a higher after-tax net worth in the future.

Protect Yourself By Silencing Unknown Callers
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This process works as the people in your contacts list are probably not scammers.

A Closer Look at Freedom 100 Emerging Markets ETF (FRDM)
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FRDM is interesting, but using our country specific funds plus a low cost Vanguard Emerging Market fund allows us to emphasize freedom for as low a cost as possible.

Big Mac Index Shows Official CPI Under Reports Inflation (2022)
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I decided to see if McDonald’s famous burger was still appreciating faster than the CPI. It has been.

#TBT Before You Get Out Of The Stock Market, Read This
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When you get out of the markets, you have made a huge gamble with your retirement money, and now the stakes are high.

Current Inflation vs. Expected Inflation (June 2022)
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Currently, 12-month inflation is 8.58% and the crowdsourced expected inflation is 2.88%. Here’s what to do.

#TBT The Lower The Market Falls The More Important It Is To Stay Invested
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A recovery after a significant downturn in the markets is often marked by steep growth. If you sell and flatline, you will likely miss the market’s natural recovery and thus your own personal future recovery becomes very difficult.

Exemptions to Fiduciary Rule Jeopardize 401(k) Plans
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Being a fiduciary means more, regardless of what the Department of Labor might write in their press releases.

Bond Markets: Worst Quarter in 40 Years & Not That Bad (April 2022)
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We think holding your next seven years of spending in relatively safe bonds is always a good idea. But holding too much in bonds may not keep up with inflation and is not ideal for your long-term investment strategy.

#TBT Don’t Do Something. Just Stand There!
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You learn a lot by the discipline of reading old news.

Happiness Is The Result Of A Life Lived With Purpose
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Regardless of what you do with the money earned, continuing to work is a worthwhile journey.

June Marotta: The Practical Teaching of Economics
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Equating an entire school system into an economic game is one way which has worked for Keys.

Seven Reasons to Avoid Bitcoin
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Bitcoin satisfies some of the characteristics of a currency, but there are at least seven areas of concern.

#TBT How Long Should I Keep Financial and Tax Records?
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Whenever the IRS challenges you, the burden of producing evidence that your claims are true rests entirely with you.

#TBT How to Deduct U.S. Debt Obligations on State Tax Returns
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Some states do not tax their residents on income from a mutual fund that was earned on U.S. government obligations.

Marotta Family Saying: Make Half a Mistake

Three generations explain this family saying which teaches one method of mitigating risk.

Radio: How The United States Ruined Its Own Fiscal Health
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On Tuesday, March 8, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about “How The United States Ruined Its Own Fiscal Health.”

High Inflation, Low Fiscal Health, and What Comes Next for the U.S.
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At 4.0% inflation, cash will lose 82.88% of its value over 45 years. Such loss of value can ruin a retirement plan more so than any market returns. Your long term investments need to appreciate well over inflation. The best method to do that is to stay mostly invested in stocks.

An Overview of Marotta’s 2022 Gone-Fishing Portfolios
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A gone-fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year.

Marotta’s 2022 Gone-Fishing Portfolio Calculator
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This gone-fishing portfolio is our default portfolio which can be used at any custodian.

Marotta’s 2022 Vanguard Gone-Fishing Portfolio Calculator
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We recommend this gone-fishing portfolio for accounts hosted at Vanguard.

Bitcoin, Tulips, Beanie Babies, and Speculation
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I expect that eventually Bitcoin will either develop a real, useful value for investors or the bubble will burst.

Updates to Schwab Institutional Intelligent Portfolios Limited Fund Selection
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Now that the Franklin Templeton funds have been added to the Institutional Intelligent Portfolios platform, we are updating our allocations to use the cheaper funds as their primary targets.

How to Self-Insure for Long-Term Care Health Expenses (2022)
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Saving for long-term care, if done early enough, is not too expensive and helps to protect yourself from this potential financial shock.

Study Helps Track Long-Term Care Cost Options
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We are very thankful that Genworth has released this information freely for everyone to use.

Few Spaces Left in Marotta’s Online Class (Thursdays in March 2022)
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The class will be held virtually on Zoom each Thursday from noon to 1:00 PM EST between March 10 and March 31, 2022.

Radio: A Review of Freedom in the United States (2022)
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On Tuesday, February 8, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about “The Failure of Government.”

June Marotta’s Lesson Plan for Social Responsibility and Economics
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Like any good free market system, it is infinitely flexible, adapting to the needs and resources of the environment.

Enroll in Marotta’s Online Live Class (OLLI 2022)
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The class will be held March 10 through March 31, 2022 each Thursday from noon to 1:30 PM on Zoom.

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