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Humble Dollar

The Humble Dollar column covers personal finance, long-term investing, retirement planning, and wealth management, offering users practical perspectives on financial decision-making.

Humble Dollar's Articles

Don’t Let a Roth Conversion Trigger a Penalty

Do a Roth conversion in November or December and you've made a smart move in a low-income year. You've also just bought yourself a tax problem. The IRS wants its

2026/07/09

Frittering away Frugality

Despite my protestation, we went to a big box store today, COSTCO to be specific. I am not a fan of these stores. They don’t save people money, they encourage spending

2026/07/08

Every Writer Has a Beginning: Organ Transplant Fails

While researching Jonathan's early years, I came across this article he wrote as a teenager for Saga, the magazine at Bryanston School in England. Years later,

2026/07/08

Reluctantly Saving Money

During the last couple of months I've saved around $1000, and I'm not very happy about it. It's money I really didn't want to save. I'd rather have blown it big

2026/07/07

Thinking of a possible reason to tap Roth earlier then planned

We have recently considered buying another property closer to family. Since selling our current home may take some time we were thinking we could possible use

2026/07/05

A $30,000 Mistake

IF YOU’RE IN YOUR early 60s and retired, you probably have a lot of financial questions on your mind. The next few years may be among your lowest-income and lowest

2026/07/04

Open Questions

AS WE CELEBRATE 250 years since the Declaration of Independence, I’m reminded of an expression that’s popular in the investment world: “This time is different.”

2026/07/04

Tempted by the Shiny and New: Another HD Car Post

Last week I was driving home after finishing the grandkids' school run when an amber engine warning light flicked on. Being the type of guy I am, I didn't wait

2026/07/04

Haunted Head

“Does any part of your busy schedule stem from a feeling that you need to be busy?” That sentence is part of a question posed by Edmund Marsh to Dr. Lefty. It ties

2026/07/03

Jonathan’s Parting Thoughts: No. 9

If stocks don’t win, everybody likely loses. Stocks are a gauge of the global economy’s health. Are share prices in a multi-year slump? The world’s economy must

2026/07/03