👼🏻 How to Die With Zero Regrets

// TLDR //

• Retirement Savings 101

• Die With Zero by Bill Perkins

• Rosebud - AI Journal for Personal Growth

• Reddit Q&A

// 3 tips //

1/ Retirement Savings 101
Wanna hit your retirement savings goal without lifting a finger? Automate your contributions. Set up automatic transfers to your retirement account and watch your savings grow. [Read the blog]

2/ Die With Zero by Bill Perkins
Bill Perkins' "Die With Zero" has 4.4/5⭐ on Amazon and is making waves on Reddit. The big takeaway? Stop waiting for retirement. Maximize your life fulfillment. Start living now. [Source]

Here’s the framework for maximizing net fulfillment over net worth:

1. Start enjoying life now, not just in retirement.

2. Invest in experiences early; they define your life.

3. Use up your wealth on personal experiences, family support, and legacy.

4. Use life expectancy tools to plan wisely.

5. Give money to loved ones and charity when it can make the most impact.

6. Avoid living passively; constantly make changes.

7. Plan experiences with life's different stages in mind.

8. Learn when to stop working for maximum fulfillment.

9. Take big risks for greater rewards.

3/ Rosebud - AI Journal for Personal Growth
Everyone knows that journaling is a powerful tool for personal development. Rosebud takes it to the next level with AI-powered insights and organization:

• Key Insights: Reflect on your thoughts and emotions to uncover patterns and triggers.

• Entry Reflection: Summarizes your entries to provide a clearer perspective.

• Auto-tagging: Automatically tags entries with people, topics, and moods for easy organization.

• Suggested Habits: Identifies meaningful goals and suggests habits to help you achieve them.

Rosebud is coming to your iPhone on August 6th! Pre-order now on the App Store to be among the first to experience the mobile app’s new features.

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// 2 questions //

1/ Question: Is it better to contribute more than the company match to a 403b, or should I invest the excess elsewhere?

Answer: I'd only put in enough to get the maximum match from your employer. Then, I'd put the rest in a brokerage account, since the other two accounts are for retirement. You never know if you'll want to retire a little early, so diversifying the types of accounts you have is always a good idea.

2/ Question: Should I pay off open accounts or closed accounts first?

Answer: I would look at paying the minimums on the open accounts and try to get the closed ones paid off quickly. Sometimes if you call the companies, they'll let you pay a lump sum for less than what you actually owe. Stuff like this takes the longest to come off your credit report, so I'd work on it first. Plus if you want to finance anything in the future, these things don't look great so it's best to get rid of them as fast as you can!

Any questions? Email us at [email protected] or book a coaching session.

// 1 smile //

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Hope you’re Doing Well,

Janet