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BiggerPockets Money Podcast Archive
Every episode of the BiggerPockets Money Podcast, from the beginning of time. Thank you for listening, and for coming to our website!
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Are You Underinsured? You Need to Review Your Homeowners Policy RIGHT NOW
It started as an ordinary evening walk. My husband and I were strolling through our neighborhood when we noticed smoke. Within minutes, a house down the street had flames pouring from the garage. By the time the first fire truck arrived, the fire had already taken hold. We stood on the sidewalk and watched three…
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Dear Me, You Have My Permission: A Letter to Every Overthinking Optimizer Out There
Somewhere out there, a person who has saved diligently for fifteen years, paid off their mortgage, and accumulated a net worth that would make most financial advisors weep with joy is sitting at their kitchen table agonizing over whether it is okay to buy the slightly nicer olive oil. This is the FI community in…
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Why You Need to Think About Decumulation Now (Even Though You’re Nowhere Near Retirement)
Here’s a question almost nobody asks when they’re starting their FIRE journey: how am I actually going to get this money out? Most people are so focused on getting money into their accounts that they don’t think about the getting-it-out part until they’re a year away from retirement. Then they panic-Google “how to withdraw from…
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Tax Loss Harvesting: How to Make Losing Money Work in Your Favor
Let’s be honest: very few people find joy in losing money. But what if losing money in one place could actually save you money somewhere else? That’s the peculiar magic of tax loss harvesting, a strategy that sounds like something a medieval wizard would do with a scythe and a spreadsheet, but is actually a…
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Sequence of Return Risk Isn’t Just a Retirement Problem
If you’ve spent any time in the Financial Independence community, you’ve probably heard about sequence of returns risk. It’s one of those phrases that gets thrown around a lot, usually in the context of retirement withdrawals and why you shouldn’t retire into a market crash. The basic idea is simple: the order in which you…
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Stop Waiting for the Perfect Moment: The Case Against Dollar Cost Averaging Into the Market
When you have a large sum of money ready to invest, conventional wisdom says to ease in slowly. The data says otherwise. Let’s say you’ve just sold a house, received an inheritance, or accumulated years of savings sitting in cash. You have $200,000 – maybe more – and you’re ready to put it to work…
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Everything You Need to Know About Roth Conversions
A Roth conversion is one of the few levers available to materially reduce lifetime taxes after high-earning years are behind you. Used thoughtfully, it is not just a tax tactic but a multi-year income engineering strategy. Used carelessly, it can trigger avoidable taxes, Medicare surcharges, and lost subsidies. For many households approaching financial independence, Roth…
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On The Weak Correlation Between “Premium Pricing” and “Premium Output”
Across my experience as a CEO, I’ve observed that the correlation between premium pricing or firm reputation and quality of output is actually very weak. “You get what you pay for” is, fundamentally, not true, across my body of experience, when it comes to paying premium prices. I define “premium pricing” as top quartile pricing…
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How Much Cash Should You Hold Before Early Retirement?
If you spend enough time in the Financial Independence community, you will notice that we love optimization. We optimize our tax strategies, our investment allocations, our travel rewards cards, and occasionally our grocery store routes. We are not casual about money. We are intentional. And yet, there is one area where even the most spreadsheet…