Financial Decisions for a Secure and Happy Life

David Bernstein Consulting
The financial advice offered here provides guidance on several issues – ways to reduce debt, the choice between Roth and traditional retirement accounts, reduction of lifetime investment fees, the home purchase and mortgage selection decision, health insurance and costs, adequacy of retirement income, and hedges against inflation. This blueprint prioritizes debt reduction over investing, the use of low-fee investment vehicles, and the heavy use of Roth IRAs and Series I Savings Bonds. Eight essays provide detailed financial tips and outline a financial strategy which often differs from conventional financial wisdom.