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The Blog at Wiegand Financial

Does the FTX scandal spell doom for crypto?

In many ways, the meltdown of Sam Bankman-Fried's celebrated crypto exchange has little to do with crypto itself. But it will still have consequences.
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How to kickstart your kids' investing

When my kids (ages 10, 9, 2, and baby) are old enough to start investing, the first account I will encourage them to open is a…
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Although a large expense, the Inflation Reduction Act aims to raise tax revenue and help Americans save on healthcare and energy

Is the Inflation Reduction Act a lot of hot air?

There's a lot going on in this bill, and whether it will ultimately live up to its name is a topic of much debate.
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although new construction has increased, availability of new housing has decreased

Is the housing market heading south?

There’s a lot of buzz lately about home prices falling and supply rising... does that mean another housing market crash?
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Let's be honest: things are scary

In contrast to its gangbuster performance in 2021, the market in 2022 has left everyone rattled. What's going on, and what can you do about it?
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bond prices have had a notable decline during 2022

Turns out bonds can get crazy, too

The bond market is a full three times bigger than the stock market, and has also seen some important developments recently.
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Should you "Sell in May and Go Away"?

I hear this old investment proverb every single year around this time. Is it a reliable rule of thumb? 
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stagflation refers to an economic condition of concurrent inflation and recession

Stagflation: when everything goes wrong all at once

A mashup of “stagnation” and “inflation,” stagflation occurs when inflation accompanies a recession – the worst of both worlds.
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Is the MPI too good to be true?

Maximum Premium Indexing claims to revolutionize retirement saving with risk-free investment. How realistic is that?
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The most basic - yet confusing - question for retirement planning

The choice between traditional and Roth plans largely comes down to two variables: your time horizon and your expected future tax bracket
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The platform economy has expanded a lot in the wake of the pandemic. But will its momentum keep up?

Is the gig economy about to take over?

The platform economy has expanded a lot in the wake of the pandemic. But will its momentum keep up?
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At least a 401(k) loan is better than credit card debt

The ONE time you should borrow from your 401(k)

It can be tempting to borrow from your 401(k), but it's rarely worth the cost unless you're really in a tight spot. Here's why.
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A field guide to stock options

We examine the variables that go into stock options: vesting, exercise price, taxation, and ISOs versus NSOs
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Who's afraid of the Big Bad Fed?

While the Federal Reserve doesn’t directly control interest rates, it does control a series of economic “valves” that can move interest rates in the …
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The Good, the Bad and the "What-Was-That?!"

Unless we make contact with aliens in the next 48 hours – or pigs literally start flying – then I don’t think there’s any way 2021 will outdo the …
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the factors and metrics of financial risk

What Counts as "Risk," Anyway?

Today I want to talk a bit about one financial topic that attracts lots of bad advice – namely, risk management.
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Wiegand Financial Group commentary on 2021 major market trends

Heading Into the Home Stretch: 2021 Trends So Far

Sure, 2020 brought all the big headlines – but it was in 2021 that we started to really unpack the long-term implications of the pandemic
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more reasons why it sucks to be rich

(More Reasons) Why it Sucks to be Rich

A deep dive into some of the financial and legal hassles facing America's "mass-affluent," or upper-middle class
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why it sucks to be rich

Why it Sucks to be Rich

A deep dive into some of the financial and legal hassles facing America's wealthiest citizens
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The basics of estate planning

The Basics of Estate Planning

Like many big life events, death involves a lot of paperwork – but estate planning helps to preemptively streamline that process
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Are we in a real estate bubble?

Are we in a real estate bubble?

Housing prices have skyrocketed recently. Is this due to a bubble like the in 2008 – or something else?
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Market proofing your retirement portfolio

Market-Proofing Your Retirement Portfolio (Mostly)

There's no foolproof technique for protecting your portfolio. But tricks like bucketing and rebalancing can make a big difference.
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Covid vs the Fed vs inflation

An Economic Game of Chicken: Covid vs. the Fed vs. Inflation

What causes inflation in the first place? How is it the Fed’s problem? And – perhaps most importantly – should you be worried? 
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Sequence of Returns: The Secret Trap for Your Portfolio

A good sequence of returns early in retirement can make all the difference to the longevity of your portfolio – and so can a bad one.
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Using Sequential Withdrawals to Maximize Retirement Income

Retirement planning doesn't necessarily stop after you're retired – your sequence of withdrawals matters just as much as your savings
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Tax Projection: the "Secret Sauce" of Retirement Saving

Small taxes can add up to huge amounts over the course of decades – and long-term tax projection right now can save a fortune in the future
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Robinhood and retail traders disrupt Wall Street

How Robinhood Empowers New Traders – But Endangers Them Too

The retail traders behind the GameStop short squeeze dealt Wall Street a real blow. But will they win in the long run?
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Was Wall Street Bets A Revolution Or A Distraction?

The GameStop saga of January 2021 highlights some new market trends that are both exciting and troubling.
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How the Cares Act can help with your mortgage

What you should know about extended mortgage aid from the Department of Housing and Urban Development (HUD).
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The Unexpected Tax Perks of Your HSA

Out-of-pocket medical expenses are a major roadblock to wealth building – so an HSA can be a major asset if you use it right.  
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stock market trading during pandemic

How to Recover Your Portfolio from Corona Carnage

Sure – you should be ready for the worst, have cash on hand, don't panic sell, etc. But what if you didn't do that in the pandemic?
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coronavirus crystal ball

Prophecies and Profits During Coronavirus

Your chances of getting out of the market and then getting back in at the exact right time are slim. So what do you do if you're in cash right now?
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the good news about negative treasury rates

Why treasury rates going negative today is a good thing!

When Wall Street panics, there’s usually a “flight to safety” where investors move their money from stocks to bonds. But this is different
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millennial finance decisions

Actually, you might not want to pay off all your loans before investing

So you’ve just graduated with a shiny new degree... and a ton of debt. Should you focus on paying off your loans before you start investing?
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