Most married couples know the importance of often taking your spousal benefit versus your earned benefit. If one spouse spent most of their years not working (say, at home raising their children) then their earned benefit is likely far lower than the primary earner’s. In this case, the lower earning spouse is often better off claiming the spousal benefit, which is half of the primary earners benefit.
Should I Invest in Bitcoin? Wrong Question.
Payoff Your Mortgage, Ditch Your Life Insurance
I can’t count the number of conversations I’ve had in recent months with clients, family members, or friends who are adamant about paying off their mortgage as soon as possible. These aren’t just pre-retirees wanting to eliminate debt before retirement either. In many cases it’s Gen X clients or even Millennials who just want it gone.
Do Things That Scare You
On July 1st of this year, I celebrated my 5-year anniversary since starting Hale Financial Solutions. I left a stable job at a large bank, in a very enjoyable city, surrounded by kind, generous friends and neighbors. But while my job was comfortable, it wasn’t fulfilling. And while the city was fun, it wasn’t the right place for my growing family. And while kind people are fine, I don’t like people (kidding!).