Invest without fear and enjoy your life.
START HERE and get my 4 Ways to Invest (without a trust fund, inheritance, or 6-figure salary)

Fill out the form to get free email updates from Investing to Thrive.

(You’ll also receive FREE access to the guide.)


Planning with a Mortgage Amortization Schedule

A mortgage amortization schedule can be useful for: comparing my loan-balance calculations to the mortgage company’s records; identifying when mortgage insurance should no longer be required; analyzing the impact of extra payments; and more. Here’s a downloadable spreadsheet that you can use for planning purposes.

Choices for Starting Social Security Benefits (Spreadsheet)

When I decide to start receiving benefits affects my monthly Social Security check for the rest of my life. That is, if I choose to collect checks prior to normal retirement, then the monthly amount is reduced; likewise, if I wait until I’m past regular retirement age, I receive a bigger monthly check. So, among the retirement decisions that I need to make, this one seems fairly significant. Here’s a framework (and spreadsheet) for making this decision.