Jan 6, 2014

The Simplest Personal Finance Post You’ll Ever Read

This is a no nonsense post, so let's get right to it.


1.     Pay off all non-mortgage debt.  Period.
2.     Save 6 months of emergency expenses in an FDIC insured savings account (I like CapitalOne 360 or Ally for this).
3.     Invest enough of your paycheck to earn your employer’s 401k “Match.”
4.     Max out your Roth IRA annual limit.
a.     This equates to $458.33/month.  Set up an auto-investment from your checking to your investment account, preferably at Vanguard.  Treat this as an expense.
5.     Steps 1-4 are a great foundation.  Take a moment to pat yourself on the back, because you’ll likely end up wealthier than 90% of the world by doing these.
6.     Max out your 401k.
a.     This takes either a high income, a high savings rate, or a combination of both.
                                               i.     Maxing your 401k in 2014 (if you’re under 50 years old) will take $1458.33/month.  Any “excess income” you have should be directed here.
7.     If you STILL have excess income or available cash, you have 2 options.
a.     I recommend investing in a taxable investment account.  Simply open one at Vanguard, type "boglehead 3 fund portfolio" into google, and follow the instructions.
b.     Pay down your mortgage.  I’d only do this if you have a relatively high mortgage rate. 
#7 is a source of constant debate with finance pros, but you’ll be able to make a choice for yourself quickly.
8.     Maximize your savings rate. Target saving at least 25% of your gross income.

That’s it!  I can promise you that these are truly the best pieces of advice I have for the aspiring millionaire, and hope that you can appreciate the simplicity and lack of sales solicitation that has become so rare on the internet these days.

Kindest regards,

TB

Tortoise Banker Archives

Thank you Maria over at The Money Principle for including this post in your weekly roundup, @J.Money for featuring me on your homepage at Rockstar Finance, and Stacy Johnson at Money Talks News for putting us at #1 on your roundup!

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  1. I agree with what you have to say here, nice advice.

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  2. Nice summary of every PF blog post, all wrapped into one :)

    It's really not all that complicated when you strip it down. Spend less. Make more. Don't be stupid.

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  3. I love the way you presented this. Just step by step. If people just followed these simple steps exactly, it would be SHOCKING how much better off they would be, financially.

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  4. TB, absolutely essential advice for financial security and retirement. These are must do items to achieve financial success. Great post.

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  5. I love this article! Now I can just forward this to people when they ask what they should do with their money. It's nice to see it all in one place, makes it obvious how simple it all is.

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  6. Great short and simple advice. For #1, I have non-mortgage debt (student loans) which I'm not in a rush to pay off as the interest rates ranges from 1.7% to 4%. I might pay off the 4% ones if possible, but I'm not rushing to pay off the 1.7% loans.

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  7. Love it! All the best advice boiled down to one simple post.

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  8. Indeed this is the simplest personal finance post I ever read. Thank you so much Chuck for sharing this. :)

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  9. Great financial advice. Very concise and to the point. Well done!

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