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Real World Strategy Notes

John Curtin’s Financial Independence 3: Realistic Numbers

There are too many scolds in this world, in my opinion. (Perhaps that statement even qualifies.) Turn on the Facebook and there they all are. Eat this, don’t eat that, don’t exercise like this, THIS is killing your children! THIS is destroying your marriage … yada, yada, yada, ad infinitum. So, as I’ve written the last couple weeks, […]

John Curtin’s Financial Independence 2: No More Surprises

Last week, we talked about having a sure hand. Even if your take-home income is very high — we all need controls on our spending so our spending doesn’t control us. And I want to be clear: I have NOTHING against becoming very rich, but I am much more interested that all of us (myself very […]

John Curtin’s Financial Independence 1: Avoiding Budget Busters

If my inbox over the past holiday weekend is any barometer, there is a LOT of talk about independence. And rightly so, of course, given what we celebrated. But too much of the talk around financial independence surrounds GETTING … when it should be about “keeping”. You see, in my opinion as a tax professional, […]

John Curtin’s 13 Ways To Avoid Capital Gains Tax

Because most savvy Ellicott City, MD people (or at least those who have a smart Ellicott City, MD area tax pro in their corner ) can decide the timing and amount of capital gains they choose to realize each year, the capital gains tax is considered by many economists to be very “elastic”. And as […]