Money, retirement and investing tools
OngoingExplainers pitched at a knowledgeable reader, with live data where it mattered: how a gold-income fund is layered; two options-overlay Nasdaq funds compared on structure, liquidity, tax treatment and track record; rental mortgage-interest and passive-loss rules; stepped-up basis; mortgage recasts; order types; Social Security and Medicare; the Section 179 deduction; triple-net REITs; Treasury-bill ETFs for emergency funds; and an interactive compound-interest explorer. One condo evaluation covered price per square foot, HOA fees, taxes, comparables and ten areas of recorded covenants. Two builds grew out of that. A four-tab retirement model in Google Sheets (assumptions, year-by-year projections, Roth-conversion mechanics, summary) became an interactive React dashboard with a current snapshot, a base-case projection, market-history scenarios and sliders, with the monthly refresh packaged as a reusable skill. The 72(t) rule became a React calculator implementing the three IRS-approved methods (RMD, fixed amortization, fixed annuitization) with published IRS tables, portfolio growth, a no-distribution baseline, opportunity-cost framing and a sourced references section.
Frameworks and trade-offs to decide with, and a CPA named for the decisions that need one. One fund's older record was flagged as belonging to a different strategy. The condo review ended with a due-diligence list and questions for the HOA. The dashboard surfaced the riskiest withdrawal years, the effect of concentrated holdings, and a formula in the source sheet that overstated liquid assets. When one 72(t) method looked better only because of how the math works, the analysis said so instead of agreeing.
Gemini
Muse
AFM