Daniel Mercer

09
Jul
The RMD option most people don't know exists

The RMD option most people don't know exists

Most people approaching 73 think about RMDs one way: the IRS tells you to take money out, you take money
1 min read
07
Jul
You make more than you did five years ago. Where did it go?

You make more than you did five years ago. Where did it go?

A friend of mine got a significant raise last year. We talked a few months later and I asked how
2 min read
27
Jun
Some mornings just feel right

Some mornings just feel right

I was sitting on the back porch this morning. Coffee. No phone. Kids still asleep. The kind of Saturday that
1 min read
25
Jun
What nobody tells you about saving too much in a 401(k)

What nobody tells you about saving too much in a 401(k)

Here's a scenario nobody prepares you for. You spend thirty years doing everything right. Contributing to your 401(
2 min read
23
Jun
The SpaceX IPO and the money most people won't see

The SpaceX IPO and the money most people won't see

Last week, Justin Sacco requested 75 shares of SpaceX at IPO price. He got 11. On Reddit, people posted screenshots
2 min read
22
Jun
The cost of waiting for "safe"

The cost of waiting for "safe"

I sat down at the kitchen table this morning before anyone else was up. Just me, a coffee, and the
1 min read
16
Jun
The quiet productivity shift happening right now

The quiet productivity shift happening right now

There's a number from a Harvard Business Review study that I keep coming back to. The average professional
2 min read
15
Jun
The Manufactured Noise

The Manufactured Noise

I used to start my mornings by catching up on the news before I even got out of bed. I
3 min read