Glossary > Roth IRA

Roth IRA

A Roth IRA is a tax-advantaged retirement account for residents of the United States. The main selling point for a Roth IRA is the ability to deposit after-tax money today, invest now, have that money grow, and then withdraw it tax-free you’re at least 59.5 years old.

As of 2021, there is a $6,000 a year limit for Roth IRA contributions if you’re under 50 years old – or $7,000 if you’re 50 years old or older. There’s also an income limit for who can contribution to a Roth IRA. You need to make under $125,000 if filing single, or under $198,000 if filing jointly.

Who Should Use a Roth IRA?

The “best” account to use would depend on your tax rate now and your tax when you withdraw funds. The future is difficult to know. I tend to assume that tax rates will remain roughly the same – adjusted for inflation.

Roth IRA’s are just of many accounts you can use to invest for retirement. Here’s a look at where they fit in the larger investing picture.

In other words, before considering a Roth IRA, you’ll first want to have an emergency fund, fund your 401(k) up to the company match, and pay off high-interest debt (credit cards).

After that the choice is between a Roth IRA and a Traditional IRA.

A rule of thumb for which account to use – Roth IRA or Traditional IRA – is to look at your taxes now and compare them with estimated taxes later:

Situation Best Account
Lower tax rate during retirement 401(k) or IRA
Same tax rate during retirement 401(k), IRA or Roth IRA
Higher tax during retirement Roth IRA
You want the most flexibility later Roth IRA

The choice between these two likely isn’t going to make a major difference in your ability to retire or not. There are cases situations where you can retire and withdraw up to standard tax deduction and pay $0 in taxes when withdrawing from your 401(k)/IRA. In other words, this isn’t a clear-cut math problem unless you know all the variables (hint: you don’t)

My recommendation? You can’t go wrong with a Roth IRA. This is especially true if you have a 401(k). Having a 401(k) and a Roth IRA means you’re diversifying your tax-liability for later. This gives you options when you retire.

For example, a married couple could withdraw $24,000 from a 401(k) and $16,000 from a Roth IRA and pay $0 in taxes. That same couple would need to withdraw about 12% more from a Traditional IRA to have the same spending power.

Roth IRA’s have another superpower: you can withdraw any money you’ve contributed to them before you’re 59.5 years old. This is only your contributions – not growth due to investments. Ideally you wouldn’t want to do this unless it was an emergency, of you retired sooner.

In other words: Roth IRAs give you more flexibility in early retirement, and more flexibility in structuring your taxes.

Roth IRA Limits

Each year, there are two limits you’ll want to keep in mind when contributing to a Roth IRA:

The contribution limit is the amount you’re able to deposit into a Roth IRA for that tax-year. For 2021 that limit is $6,000 per person – or $7,000 if you’re 50 years old or older.

The income limit, based on your adjusted gross income (AGI), determines who can use a Roth IRA. If your income is above the income limit, you cannot contribute the full amount.

If you’re slightly above the income limit, then there’s a complicated formula to determine how much you can contribute. I haven’t been through the process of that personally, but I imagine in that case you’d want to wait until your taxes are ready for the previous year and make your Roth IRA contribution then.

Here’s a quick snapshot of the contribution limits and the income limits over the past few years.

Year Contribution Limit
(Under 50)
Contribution Limit
(50+)
Income Limit
(Single)
Income Limit
(Jointly)
2021 $6,000 $7,000 $125,000 $198,000
2020 $6,000 $7,000 $125,000 $198,000
2019 $6,000 $7,000 $122,000 $193,000
2018 $6,000 $7,000 $120,000 $189,000

If you “max out your Roth IRA” that means you’ve contributed up to the contribution limit for the year.

When Can I Make a Roth IRA Contribution?

Roth IRA contributions are made for the calendar year, but the date of the deposit doesn’t need to happen within the year.

For example, the 2020 Roth IRA contribution deadline is April 15, 2021 – or whatever your tax filing deadline without extensions.

If you log into your Roth IRA account to make a contribution, it will ask which year you want to make your contribution for. If you make this contribution between January 1st and April 15th, you’ll be able to contribute to either of these accounts – or both.

You can also make a Roth IRA contribution as early as January 1st for that year. Doing this allows you to get your money into the market sooner. Although there’s no guarantee that the market will grow in any given year, historically it’s grown over the long-term. If you max out your Roth IRA early, you’d advantage from more growth than if you invested at the end of the year.

Courses Mentioning Roth IRA

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Written by Adam on June 18, 2018. 9 comments.

Personal Financial Independence Blog Minafi Canonical
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Written by Adam on December 30, 2017. 5 comments.

Sharing Blog Canonical
Minafi 1 Year Birthday! What I Learned In my First Full Year Blogging
Minafi 1 Year Birthday! What I Learned In my First Full Year Blogging
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Written by Adam on June 21, 2018. 8 comments.

Personal Investing Meta Blog Minafi Canonical
My Failure Resume: A Story of 22 Failures Over 18 years
My Failure Resume: A Story of 22 Failures Over 18 years
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Written by Adam on October 18, 2017. 7 comments.

Personal Mindfulness Blog
Work Optional Book Review: An Actionable Guide to Living Your Best Life
Work Optional Book Review: An Actionable Guide to Living Your Best Life
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Written by Adam on February 12, 2019. 1 comment.

Financial Independence Blog Minafi Canonical
Why I Don’t Blog Anonymously
Why I Don’t Blog Anonymously
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Written by Adam on September 13, 2017. 14 comments.

Personal Minimalism Blog Canonical
Minafi 2017 Q3 Fall Investment Report
Minafi 2017 Q3 Fall Investment Report
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Written by Adam on October 9, 2017. 15 comments.

Personal Financial Independence Investing Blog Canonical
Startup FIRE
Startup FIRE
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Written by Adam on September 11, 2021. 11 comments.

Personal Financial Independence Minafi
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7 Features From Minafi v2 I’m Excited to Announce!
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Written by Adam on April 29, 2019. 2 comments.

Meta Blog Minafi Canonical
What Opinion do you Hold that Many People Would Disagree With?
What Opinion do you Hold that Many People Would Disagree With?
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Written by Adam on July 10, 2017. 3 comments.

Mindfulness Blog
Thank You!
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Written by Adam on August 15, 2017.

Foregoing Cultural Cognizance
Foregoing Cultural Cognizance
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Written by Adam on August 25, 2017.

Mindfulness Blog
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The Focused Investor 1: Alexander from Day Trading Z Robots vs. Human Traders
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Written by Adam on January 10, 2019. 2 comments.

Investing Blog
My Life & Goals Updates So Far for 2021
My Life & Goals Updates So Far for 2021
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Written by Adam on April 4, 2021. 7 comments.

Personal Goals Blog adamfortuna
Spotlight Your Potential with Keystone Habits
Spotlight Your Potential with Keystone Habits
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Written by Adam on December 11, 2017. 4 comments.

Personal Mindfulness Blog
The Gender Pay Gap Told Through Data From the Finance Blogging Community
The Gender Pay Gap Told Through Data From the Finance Blogging Community
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Written by Adam on April 30, 2018. 28 comments.

Financial Independence Investing Interactive Featured Blog Minafi Canonical
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Understanding the Expense Ratio and How It Affects Your Investments
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Written by Adam on April 21, 2021.

Investing Spotlight
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How To Make Money On Facebook and 14 Ways People Are Doing It
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Written by Adam on March 26, 2021.

Personal Finance Spotlight
Buffett’s 10/10/10 Rule For Making Financial Decisions
Buffett’s 10/10/10 Rule For Making Financial Decisions
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Written by Adam on November 14, 2018. 2 comments.

Personal Mindfulness Blog Minafi Canonical
Financial Independence Groups: Meetups, Forums, Events and How To Find Likeminded People
Financial Independence Groups: Meetups, Forums, Events and How To Find Likeminded People
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Written by Adam on February 24, 2021. 4 comments.

Financial Independence Blog Minafi Canonical
Where Are You On The Minimalist Living Spectrum?
Where Are You On The Minimalist Living Spectrum?
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Written by Adam on November 16, 2017. 7 comments.

Minimalism Blog
What Does Financial Independence Mean to Me? Is it Just About Quitting and Retiring?
What Does Financial Independence Mean to Me? Is it Just About Quitting and Retiring?
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Written by Adam on July 4, 2017. 6 comments.

Personal Financial Independence Blog Canonical
Why I’m Loving Apartment Living After 35 Years in a House
Why I’m Loving Apartment Living After 35 Years in a House
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Written by Adam on March 5, 2018. 23 comments.

Personal Minimalism Blog Canonical
Contact Me
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Written by Adam on December 14, 2016.

Minafi Brand Assets
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Written by Adam on September 6, 2017.

Meta
My 2021 Year in Review
My 2021 Year in Review
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Written by Adam on March 1, 2022. 1 comment.

Personal adamfortuna
June 2019 Goals, Investments & Spending – Running, Camping, Focusing, Sleep No More
June 2019 Goals, Investments & Spending – Running, Camping, Focusing, Sleep No More
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Written by Adam on July 8, 2019. 11 comments.

Personal Blog Minafi Canonical
Wealthfront
Adam

Written by Adam on January 25, 2021.

Invest Exclude
Betterment Review 2021: Is a Roboadvisor Worth It?
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Invest
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Why You Think in the Mediums Of Your Message
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Written by Adam on July 6, 2017. 1 comment.

Mindfulness Blog
5 Steps to Change Your Default Consumption Behavior
5 Steps to Change Your Default Consumption Behavior
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Written by Adam on June 27, 2017. 2 comments.

Mindfulness Minimalism Blog Canonical
Why Write An Interactive Guide to FIRE?
Why Write An Interactive Guide to FIRE?
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Personal Financial Independence Investing Blog Canonical
Practice Poverty
Practice Poverty
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Mindfulness Minimalism Blog
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How to Invest During a Bitcoin Bubble
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Written by Adam on August 15, 2017. 3 comments.

Financial Independence Investing Blog Canonical
I Make Enough Money to Live in a Minimalist House
I Make Enough Money to Live in a Minimalist House
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Written by Adam on April 5, 2018. 7 comments.

Personal Minimalism Blog Minafi Canonical
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How to Invest Your First $1,000 and Double Your Money (In Time)
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Written by Adam on November 5, 2018. 6 comments.

Investing Blog Minafi Canonical
What’s a Moment Where You Felt The Most Euphoric?
What’s a Moment Where You Felt The Most Euphoric?
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Personal Mindfulness Blog
Why Should I Invest Now? — How To Be Brave & Start Investing
Why Should I Invest Now? — How To Be Brave & Start Investing
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Written by Adam on June 24, 2017.

Financial Independence Investing Blog Canonical
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What is Your Rainy Day Project?
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Written by Adam on August 19, 2019. 9 comments.

Mindfulness Financial Independence Blog adamfortuna
Data Says the Millennial Early Retirement Age is 40 – Here’s How They Could Do It
Data Says the Millennial Early Retirement Age is 40 – Here’s How They Could Do It
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Written by Adam on November 6, 2017. 15 comments.

Minimalism Financial Independence Interactive Data Blog Canonical
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August 2020 Theme: Empty
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Written by Adam on August 9, 2020. 2 comments.

Personal Goals Blog
Growing Kids Self-Control For $5 a Week
Growing Kids Self-Control For $5 a Week
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Written by Adam on December 20, 2017. 23 comments.

Mindfulness Investing Blog
What You Should Know About Investing At Every Age From 16 to 60
What You Should Know About Investing At Every Age From 16 to 60
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Written by Adam on June 11, 2018. 4 comments.

Personal Investing Blog Minafi Canonical
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How Is This Site Built?
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Meta
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7 Mindsets to Thrive in Financial Independence
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Written by Adam on July 20, 2020. 3 comments.

Personal Mindfulness Blog Minafi Canonical
Three Years of Early Retirement – Mindset Changes and Realizations
Three Years of Early Retirement – Mindset Changes and Realizations
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Written by Adam on December 30, 2021. 12 comments.

Personal Mindfulness Blog Spotlight Minafi Canonical
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An Interactive Guide to Early Retirement and Financial Independence
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Written by Adam on September 2, 2017. 118 comments.

Financial Independence Investing Interactive
Minimalist are not Nomads, but Nomads are Minimalists
Minimalist are not Nomads, but Nomads are Minimalists
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Minimalism Blog
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Why Minafi’s Logo is a Torii
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Written by Adam on September 11, 2017. 5 comments.

Mindfulness Meta Blog Canonical
Mastery is a Trap
Mastery is a Trap
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Written by Adam on April 23, 2018.

Personal Mindfulness Goals Featured Blog adamfortuna
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March 2019 Investment, Goals and Spending Breakdown
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Written by Adam on April 8, 2019. 7 comments.

Personal Blog Minafi Canonical
Plan Your Perfect Week in Retirement Today
Plan Your Perfect Week in Retirement Today
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Personal Financial Independence Blog Minafi
My Favorite 130 Books Read in 2019
My Favorite 130 Books Read in 2019
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Written by Adam on January 20, 2020. 9 comments.

Personal Blog
What’s the Difference Between Fire, Lean Fire, and Fat Fire?
What’s the Difference Between Fire, Lean Fire, and Fat Fire?
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Written by Adam on May 14, 2018. 22 comments.

Financial Independence Featured Data Blog Minafi Canonical
Seeking Mentors
Seeking Mentors
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Written by Adam on October 13, 2017.

Personal Mindfulness Blog
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How To Conduct a Weekly Review to Keep Yourself on Track
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Written by Adam on March 7, 2021. 10 comments.

Personal Goals Blog Minafi
Comparison is the Thief of Joy, but How Do You Stop?
Comparison is the Thief of Joy, but How Do You Stop?
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Written by Adam on July 28, 2017. 2 comments.

Mindfulness Blog
How Tradition Tricks You Into Wanting Things You Don’t Need
How Tradition Tricks You Into Wanting Things You Don’t Need
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Written by Adam on April 12, 2018. 3 comments.

Personal Mindfulness Minimalism Blog adamfortuna
2016 Year in Review
2016 Year in Review
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Personal Blog
My 2020 Year in Review
My 2020 Year in Review
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Written by Adam on December 31, 2020. 4 comments.

Personal Blog
2011 Year in Review
2011 Year in Review
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Written by Adam on January 1, 2012.

Personal Blog
Use Savings Rate as a Lifestyle Inflation Canary
Use Savings Rate as a Lifestyle Inflation Canary
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Written by Adam on August 7, 2017. 21 comments.

Financial Independence Blog Canonical
The Burden of Now
The Burden of Now
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Written by Adam on November 21, 2017. 1 comment.

Mindfulness Goals Blog
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The Bulletproof Strategy to Develop a Morning Ritual
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Written by Adam on October 8, 2018. 2 comments.

Personal Mindfulness Goals Blog Minafi Canonical
FSKAX vs VTSAX
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Written by Adam on March 2, 2021.

Invest Invest Compare
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Simplify Your Desktop with Bartender
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Written by Adam on September 20, 2017. 1 comment.

Minimalism Blog
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The Rule of 72 Calculator: How to Perform Compound Interest Calculations In Your Head
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Written by Adam on November 12, 2018. 1 comment.

Investing Interactive Calculators Blog Minafi Canonical
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All my Coworkers Just Learned about my Blog – Here’s What Happened
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Written by Adam on December 18, 2017. 4 comments.

Personal Blog Canonical
FNILX vs FZROX
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Written by Adam on March 1, 2021.

Funds Fund Compare
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My Personal Goals for Q3 2018 – Health, Book & Interactive Guide
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Written by Adam on July 9, 2018. 1 comment.

Personal Goals Blog Minafi Canonical
Mutual Funds vs ETFs: What’s the Difference Between Them?
Mutual Funds vs ETFs: What’s the Difference Between Them?
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Written by Adam on October 4, 2017. 1 comment.

Financial Independence Investing Blog Canonical
My Biggest Investment Mistake and the Lessons I’ve Learned
My Biggest Investment Mistake and the Lessons I’ve Learned
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Written by Adam on May 5, 2021. 1 comment.

Invest Spotlight
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Build Focus with Roosevelt Dashes
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Written by Adam on October 23, 2017. 4 comments.

Goals Blog Canonical
Challenge Yourself with Weekly Task Planning Using Todoist
Challenge Yourself with Weekly Task Planning Using Todoist
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Written by Adam on July 12, 2017. 3 comments.

Mindfulness Goals Blog
If You Want to Reach Your Goals, Track Your Activities
If You Want to Reach Your Goals, Track Your Activities
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Written by Adam on July 14, 2017. 1 comment.

Mindfulness Blog
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How We Spent $15,000 on Our Honeymoon and Why We’d Do It Again
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Written by Adam on August 6, 2018. 30 comments.

Personal Featured Blog Minafi Canonical
Create a Consumption Ledger
Create a Consumption Ledger
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Written by Adam on August 23, 2017. 2 comments.

Goals Blog
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May Goals, Investments and Spending – Running, Hiking and Enjoying Time Outside
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Written by Adam on June 3, 2019. 2 comments.

Personal Blog Minafi Canonical
July 2020 Theme: Vision
July 2020 Theme: Vision
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Written by Adam on July 5, 2020. 2 comments.

Personal Goals Blog
The Definitive Guide to Tax-loss Harvesting and Avoiding Wash Sales
The Definitive Guide to Tax-loss Harvesting and Avoiding Wash Sales
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Written by Adam on November 19, 2018. 6 comments.

Investing Taxes Blog Minafi Canonical
March 2018 Goals – Slow Movement
March 2018 Goals – Slow Movement
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Written by Adam on March 2, 2018. 4 comments.

Personal Goals Blog adamfortuna
The Simple Path to Wealth Book Review
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Written by Adam on January 19, 2018. 8 comments.

Investing Blog Canonical
January 2018 Goals – Writing Entirely Too Much!
January 2018 Goals – Writing Entirely Too Much!
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Written by Adam on January 3, 2018. 4 comments.

Personal Goals Blog
Newspaper Mindfulness Exercise
Newspaper Mindfulness Exercise
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Written by Adam on August 12, 2016.

Mindfulness Blog
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Which Investment Accounts Should I Use?
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Written by Adam on July 2, 2017. 3 comments.

Financial Independence Investing Blog Canonical
Minafi Vision & Mission
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Written by Adam on March 26, 2018.

Goals Meta
The Minimal Investor ESPP Guide and Calculator
The Minimal Investor ESPP Guide and Calculator
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Written by Adam on June 25, 2018. 17 comments.

Investing Blog Minafi Canonical
How I Would (and Do) Invest $1 Million
How I Would (and Do) Invest $1 Million
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Written by Adam on September 15, 2017. 17 comments.

Financial Independence Investing Blog Canonical
Financial Freedom Book Review – A Guide to Retiring Early
Financial Freedom Book Review – A Guide to Retiring Early
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Financial Independence Blog Minafi Canonical
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2015 Year In Review
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Written by Adam on January 1, 2016.

Personal Blog
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April 2019 Investment, Goals and Spending Breakdown
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Written by Adam on May 6, 2019. 6 comments.

Personal Blog Minafi Canonical
Is $ARKK Worth The Fee?
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Written by Adam on February 3, 2021.

Funds Fund Fees
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My 2022 Year in Review
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Written by Adam on January 1, 2023. 2 comments.

Personal Featured adamfortuna Duplicate
Fernweh – A Longing for Travel and Places Unseen
Fernweh – A Longing for Travel and Places Unseen
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Written by Adam on July 15, 2019. 6 comments.

Mindfulness Financial Independence Blog adamfortuna
Does This Mean the End of the FIRE Movement? [Answer: No]
Does This Mean the End of the FIRE Movement? [Answer: No]
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Written by Adam on April 13, 2020. 23 comments.

Personal Financial Independence Investing Taxes Blog Minafi Canonical
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Calculate Your FI Number With State and Federal Taxes (It’s More Than You Think)
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Written by Adam on April 18, 2021. 10 comments.

Financial Independence Interactive Taxes Calculators Blog Minafi Canonical
My Doomed Adventure Hiking the Highline Trail
My Doomed Adventure Hiking the Highline Trail
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Written by Adam on October 24, 2021. 2 comments.

Personal Travel Spotlight Minafi
Your House Doesn’t Count Towards the 4% Rule
Your House Doesn’t Count Towards the 4% Rule
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Written by Adam on April 26, 2018. 4 comments.

Personal Financial Independence Blog Minafi Canonical
What I’m Doing Right Now
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Written by Adam on August 13, 2017.

FinCon 2019 – Washington, D.C, Friends and Inspiration
FinCon 2019 – Washington, D.C, Friends and Inspiration
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Written by Adam on September 7, 2019. 46 comments.

Personal Blog Minafi Canonical
Living for Tomorrow vs Living for Today
Living for Tomorrow vs Living for Today
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Written by Adam on December 22, 2017.

Mindfulness Financial Independence Blog
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Minafi 2018 Q1 Spring Investment Report
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Written by Adam on April 16, 2018. 9 comments.

Personal Financial Independence Investing Featured Blog Minafi Canonical
Minimal Hurricane Preparation
Minimal Hurricane Preparation
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Personal Minimalism Blog Canonical
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The Last Gift My Mom Ever Gave Me
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Written by Adam on May 20, 2019. 4 comments.

Personal Blog adamfortuna
You Can’t do Everything: How I’m Prioritizing What to Start, Stop and Continue in Retirement
You Can’t do Everything: How I’m Prioritizing What to Start, Stop and Continue in Retirement
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Written by Adam on December 10, 2018. 8 comments.

Personal Goals Blog Canonical
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How I’m Setting Goals During Early Retirement
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Personal Goals Blog Minafi Canonical
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Use Buffett’s 25/5 Technique to Prioritize Personal Goals
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Written by Adam on March 26, 2018. 5 comments.

Personal Goals Blog Canonical
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Most Iconic Road Trips in Every State
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Travel Spotlight
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March 2020 Theme: Routine
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Written by Adam on March 1, 2020. 6 comments.

Personal Goals Blog
Minafi 2017 Q4 Winter Investment Report
Minafi 2017 Q4 Winter Investment Report
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Written by Adam on January 15, 2018. 14 comments.

Personal Financial Independence Investing Featured Blog Canonical
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Tracking & Forecasting Expenses with Mint, Todoist and Google Sheets
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Financial Independence Blog Canonical
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Why You Should Create a Local Bucket List
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Written by Adam on July 27, 2020. 9 comments.

Personal Mindfulness Financial Independence Travel Blog
My FinCon 2018: Friends, Inspiration and Motivation
My FinCon 2018: Friends, Inspiration and Motivation
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Written by Adam on October 1, 2018. 26 comments.

Personal Blog Minafi Canonical
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I’ve Tracked My Spending For 8+ Years and Here’s What I Learned
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Written by Adam on May 22, 2018. 11 comments.

Personal Financial Independence Blog Canonical
Retirement Simulator
Retirement Simulator
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Written by Adam on September 27, 2020. 1 comment.

Investing Interactive Calculators
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Here is Your Guide to the Best Personal Finance Software
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Personal Finance Spotlight
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Prevent Your Investments from Theft! Secure Your Vanguard Account with Yubikeys and Google Voice
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Written by Adam on May 23, 2019. 3 comments.

Financial Independence Investing Blog Minafi Canonical
The Simple Three Fund Portfolio at Vanguard
The Simple Three Fund Portfolio at Vanguard
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Written by Adam on August 3, 2017. 21 comments.

Financial Independence Investing Blog
11 Things to Consider Before Investing in Cryptocurrency in 2021
11 Things to Consider Before Investing in Cryptocurrency in 2021
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Investing Spotlight
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Mint Mobile Review: For $15/Month Is It Worth It?
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Written by Adam on February 11, 2019. 4 comments.

Financial Independence Blog Minafi Canonical
FSKAX VS FZROX
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Written by Adam on January 8, 2021.

Funds Fund Compare
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How I Learned to be Less Critical of Others
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Mindfulness Blog
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June 2020 Theme: Explore
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Written by Adam on June 2, 2020. 8 comments.

Personal Goals Blog
The Complete Guide to Withdrawing Funds Early From Your 401(k), IRA and Roth IRA
The Complete Guide to Withdrawing Funds Early From Your 401(k), IRA and Roth IRA
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Written by Adam on June 29, 2020. 9 comments.

Investing Taxes Blog Minafi Canonical
The Focused Investor 2: OthalaFehu on Preparing for the Worst with Precious Metals
The Focused Investor 2: OthalaFehu on Preparing for the Worst with Precious Metals
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Investing Blog
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Lagom: Swedish Minimalism for Enough
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Written by Adam on December 15, 2017. 16 comments.

Mindfulness Minimalism Blog
Our New $6,000 Car
Our New $6,000 Car
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Written by Adam on September 17, 2018. 10 comments.

Personal Blog Minafi Canonical
Why Invest – All
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Written by Adam on November 11, 2019.

Be Mindful of False Productivity
Be Mindful of False Productivity
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Written by Adam on March 8, 2018. 2 comments.

Mindfulness Goals Blog adamfortuna
Why You Should Plant a (Symbolic) Garden For Early Retirement
Why You Should Plant a (Symbolic) Garden For Early Retirement
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Written by Adam on February 21, 2021. 6 comments.

Personal Financial Independence Blog Minafi Canonical
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I’m 40 Today. Here’s What I Want From My Next 10 Years To Look Like
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Written by Adam on June 4, 2022. 17 comments.

Personal Goals adamfortuna
2013 Year In Review
2013 Year In Review
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Written by Adam on January 1, 2014.

Personal Blog
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Invest Exclude
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July / August 2017 Personal Goals & Review
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Written by Adam on August 1, 2017. 2 comments.

Goals Blog
My Four Phases of Financial Independence
My Four Phases of Financial Independence
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Written by Adam on June 24, 2019. 5 comments.

Personal Investing Blog Minafi Canonical
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Where to Learn on Minafi
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My Favorite 100 Books Read in 2018
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Written by Adam on January 7, 2019. 8 comments.

Personal Goals Blog adamfortuna
Why I’m Going for FIO – Financial Independence with Options
Why I’m Going for FIO – Financial Independence with Options
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Written by Adam on December 5, 2017. 40 comments.

Personal Financial Independence Calculators Blog Canonical
Robinhood
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Written by Adam on January 25, 2021.

Invest Exclude
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Joy is a Skill, Remember to Practice It
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Written by Adam on September 25, 2017. 9 comments.

Mindfulness Minimalism Blog
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August / September 2017 Personal Goals & Review
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Personal Goals Meta Blog
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6 Thoughts After 6 Months of Early Retirement
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Written by Adam on June 17, 2019. 9 comments.

Personal Financial Independence Blog Minafi Canonical
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April 2020 Theme: Create
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Personal Blog
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Personal Meta
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Lessons Learned From A Year of Monthly Themes
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Personal Mindfulness Blog
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September / October 2017 Personal Goals & Review
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Written by Adam on October 1, 2017. 6 comments.

Personal Goals Blog
M1 Finance
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Written by Adam on January 25, 2021.

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