Show notes
In this Q&A episode, we take the plunge on inflation fears, cryptocurrency, real estate investing, the debate between loans and all-cash offers, mid-week climbing partners, the Roth 401(k), autoimmune conditions, and some more intimate details about where and how we hold our money in various accounts. Finally, I reveal some notable changes to Mrs. CC's schedule, among a variety of other topics. Support this project: Buy Me a CoffeeSubscribe to the website: SUBSCRIBE ME! Previous Q&A PostsYour Questions Answered: Volume OneYour Questions Answered: Volume TwoYour Questions Answered: Volume Three (podcast) Q1: What would you have done differently 10 years ago? (5:02)Seven Lessons From Two Years of Financial Freedom Q2: Thoughts on Inflation (9:35)NY Times, The Daily: Did Democrats Make Inflation Worse?NPR, Planet Money: Night of the Living Inflation Q3: Thoughts on sharing financial details (14:34)Seven Lessons From Two Years of Financial FreedomThe Frugal ProfessorKeeping the “Safe” in Safe Withdrawal RateThe Long Approach to Being Scared of Investing Q4: How do you find climbing partners during the work week? (18:25) Q5: What do you think about cryptocurrency? (21:42)Bitcoin and Other Things You Shouldn’t OwnThe GameStop Saga: Hedge Funds, Reddit Investors, and Why They’re All Wrong Q6: Why don’t you spend much time talking about real estate investing as a viable path to financial independence? (25:39)Should I Buy a Home? Part 1Should I Buy a Home? Part 2: Opportunity CostRelocation: A Guide to Moving and Housing AffordabilityThis Just In: The Real Cost of Home OwnershipAnd We’re Back to Home Ownership! But Why Now?Housing Affordability: This Isn’t Normal Q7: Tell me more about funding an HSA, especially without earned income. (27:00)Kiplinger: You Don’t Need Earnings to Contribute to a Health Savings Account Q8: Where can I get a decent interest rate for cash savings? (30:32)Your Questions Answered: Volume Two Q9: Should I max out a Roth IRA? (33:16)IRS: Changes to Retirement Plans for 2022 (Roth IRA contribution and income limits)The CC Family Investing Strategy, Part 1: Philosophy and Asset AllocationThe CC Family Investing Strategy, Part 2: Where Exactly Is Our Money?Your 2021 Guide to Actually Saving Real Money Q10: Can I use whole life insurance as an investing vehicle? (34:38) Q11: I need a new car. Should I take out a loan or pay in cash? (35:58)How to Get a Fantastic Deal on a New CarVan Life: The Economics and Trade-Offs Q12: My new job offers a Roth 401(k) option. Should I use it? (39:35)Nerd Wallet: Roth 401(k) versus Traditional 401(k)The Bold and Beautiful Roth Conversion Ladder Q13: What is a mega backdoor Roth?? (45:33)Forbes: Is the Mega Backdoor Roth Too Good to be True? Q14: Can you tell me more about your autoimmune condition? (46:31)Ankylosing SpondylitisSeven Lessons From Two Years of Financial Freedom Q15: Can you provide more details on the percentage of funds in various investing accounts? (51:39)The CC Family Investing Strategy, Part 1: Philosophy and Asset AllocationThe CC Family Investing Strategy, Part 2: Where Exactly Is Our Money?Relocation: A Guide to Moving and Housing Affordability Question 16: How exactly do we fund our living expenses? (1:00:42)Expense Ratio & Fees: They’ll Hose You Big TimeEarly Retirement Now: The Safe Withdrawal Rate SeriesSome Fantastic News on Healthcare Costs (More on how we balance income, spending, Roth conversions, and healthcare cost consideration)How to Have Negative Health Insurance Costs Finally: Mrs. CC’s Big News (1:07:42)