personal finance
Finance Friday Articles
- Breaking Down The “One Big Beautiful Bill Act”: Impact Of New Laws On Tax Planning
- How to Choose Insurance Policies
- How to Start Investing in Real Estate
- Iron Laws of the Stock Market
- Mitigating 401(k) leakage with emergency savings
- Reasons Not to Use ToD/PoD Beneficiary Designations
- The Big Secret to Long-Term Investment Success
- What to Do About the Vanguard Automated Cost Basis Email
- Worth 1,000 Words
Finance Friday Articles
- $1,000 Charity Donation Deduction in the 2025 Trump Tax Law
- Average Investment Return Rate (ROI)
- Deductible Car Loan Interest in the New 2025 Trump Tax Law
- Going to Extremes
- How to Get Real Financial Advice If You Need It
- Is the American Medical Association (AMA) Disability Plan Worth It?
- Lessons learned from a military do-it-yourself move gone wrong
- Nothing Works All the Time
- Tax Deductions: Above-the-Line, Itemized, and Neither
- The Best Leading Indicator of Wealth
- The Best Time to Invest
- Try a Mini-Retirement
- Wall Street is Challenging the Low-Cost-Investing Revolution
- Zero-sum Thinking and the Labor Market
Finance Friday Articles
- 5 Ways to Retire with $5 Million by Age 55
- 11 Things I’ve Learned as a Financial Planner
- Estimated Taxes and the Safe Harbor Rule
- Know Why You Own Each of Your Investments
- Leaving Service? Here’s What You Can Do With Your TSP Account
- Physician Finances: Fix Common Planning Gaps
- Reference guide for advisors on the One Big Beautiful Bill Act
- Should My TSP Investments Change at Retirement?
- The Death of the Amex Lounge: Why the Upper Middle Class Isn’t Special Anymore
- Top 16 Asset Protection Strategies for Doctors
- Trump Accounts — What to Know About This ‘Baby Bonus’ from the One Big Beautiful Bill
Finance Friday Articles
- Different Kinds of Rich
- How the ‘One Big Beautiful Bill’ Act Will Affect Doctors
- How to Make More Without Working More
- Investing a Lump Sum at All-Time Highs
- Low-Income Doctor in a High-Cost-of-Living Area (HCOL)
- Stocks For Wealth, Bonds for Sanity
- What Does It Mean to ‘Adjust as You Go’ in Retirement?
Finance Friday Articles
- Delegator, Validator, or DIYer? Take This Quiz to Find Out What You Are
- Depreciating Financial Assets
- Everybody Wants Alts
- Eyes Forward
- How to know when you need help
- How to Spend More Money
- Lessons on Money & Life I Learned From Warren Buffett
- Let’s Get Happy
- Musings of a Cheapskate
- Performing a Personal Financial Health Audit: How Is Your Financial Health?
- Retirement of the L 2025 Fund and the Launch of New L 2075 Fund
- State Tax Update: 2 More States (CA/VT) Pass Partial Exemptions for Military Retirement Pay
- TSP Addresses Nuts and Bolts of ‘Retiring’ 2025 Fund, Launching 2075 fund
- Use an Independent Agent for Auto and Home Insurance
- What Is Your Biggest Financial Risk?
- Why Financial Independence is Overrated
Finance Friday Articles
- Are You Moving Toward or Away from Financial Independence?
- Beyond SGLI: Do You Have a Life Insurance Plan for After Service?
- Expected Returns in the Stock Market
- Financial Advisor Facts: The Basics on Finding Professional Planning Help
- Financial Considerations When Taking Care of Your Aging Parents
- How to Make Money in Real Estate
- Is Talking to ChatGPT About Finance Ever a Good Idea? Here’s My Investigation
- TSP Roth: Want to Pay Less Taxes Now? Or More Later
- What’s Better Than U.S. Bonds for Downside Protection?
Finance Friday Articles
- 3 Charts That Will Surprise You
- Everyone is running their own race
- How to Diversify Against the Dollar
- How to Navigate the Tariff Circus
- Life Is A Fatal Disease
- My Baptism by FIRE: Lessons on Financial Independence
- Never Take Candy from Strangers
- Rebalancing Your Investment Portfolio – Back to Basics
- Why You Can’t Invest by Looking in the Rear-View Mirror
Finance Friday Articles
- Physician Surveys Step by Step (And Why Making $30,000 in a Year Was Easy)
- Risk Free S&P?
- The household auto fleet is a money pit
- The Trick to Enjoying a Vacation (and Investing Successfully)
- The White Coat Investor’s 11 Most Controversial Teachings
- What If Stocks Don’t Go Up in the Long Run?
- What Is the Guyton-Klinger Guardrails Approach for Retirement?
- What to Do When Your Insurance Rates Go Up: A Guide for Physicians
Finance Friday Articles and New SGLI Discounts
- 10 Reasons NOT to Take Social Security Early
- Balancing Retirement and College Savings
- Beyond PSLF: The Top Student Loan Repayment Alternatives for Doctors
- Is It Finally a Buyer’s Market in Housing?
- One TSP Fund Ending, Another Beginning; Preparations Underway for In-Plan Roth Conversions
- On the Inevitability of Bear Markets
- State Tax Update: Big News in Georgia, Plus Updates From 4 Other States on Retirement Pay Exemptions
- What’s the Best Withdrawal Strategy in Retirement?
Plus here’s some info on SGLI/FSGLI:
SGLI/FSGLI Premium Discounts
Effective July 1, 2025, the premiums for Servicemembers’ Group Life Insurance and Family Servicemembers’ Group Life Insurance will be automatically discounted. All active duty, Reserve, and National Guard Service members with active SGLI coverage will automatically receive the premium discount.
How much will SGLI premiums be discounted?
The SGLI premium discount lowers the rate from 6 cents per $1,000 of coverage to 5 cents per $1,000 of coverage. Therefore, the new premium for the maximum amount of SGLI coverage of $500,000 will be $25.00 per month, plus $1.00 for Traumatic Injury Protection (TSGLI) coverage.
How much will FSGLI premiums be discounted?
The FSGLI premium discount will occur across all age brackets, ranging from 11% to 22%, with the average premium discount at approximately 13%.
Where can I view the new discounted premiums?
https://www.benefits.va.gov/INSURANCE/spring2025-discount-faqs.asp
Joel Schofer's Career Planning Blog 