In this Q&A episode, we take the plunge on inflation fears, cryptocurrency, real estate investing, the debate between loans and all-cash offers, mid-week climbing partners, the Roth 401(k), autoimmune conditions, and some more intimate details about where and how we hold our money in various accounts. Finally, I reveal some notable changes to Mrs. CC's schedule, among a variety of other topics.

 

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Previous Q&A Posts

Your Questions Answered: Volume One

Your Questions Answered: Volume Two

Your Questions Answered: Volume Three (podcast)

 

Q1: What would you have done differently 10 years ago? (5:02)

Seven Lessons From Two Years of Financial Freedom

 

Q2: Thoughts on Inflation (9:35)

NY Times, The Daily: Did Democrats Make Inflation Worse?

NPR, Planet Money: Night of the Living Inflation

 

Q3: Thoughts on sharing financial details (14:34)

Seven Lessons From Two Years of Financial Freedom

The Frugal Professor

Keeping the “Safe” in Safe Withdrawal Rate

The Long Approach to Being Scared of Investing

 

Q4: How do you find climbing partners during the work week? (18:25)

 

Q5: What do you think about cryptocurrency? (21:42)

Bitcoin and Other Things You Shouldn’t Own

The GameStop Saga: Hedge Funds, Reddit Investors, and Why They’re All Wrong

 

Q6: Why don’t you spend much time talking about real estate investing as a viable path to financial independence? (25:39)

Should I Buy a Home? Part 1

Should I Buy a Home? Part 2: Opportunity Cost

Relocation: A Guide to Moving and Housing Affordability

This Just In: The Real Cost of Home Ownership

And We’re Back to Home Ownership! But Why Now?

Housing Affordability: This Isn’t Normal

 

Q7: Tell me more about funding an HSA, especially without earned income. (27:00)

Kiplinger: You Don’t Need Earnings to Contribute to a Health Savings Account

 

Q8: Where can I get a decent interest rate for cash savings? (30:32)

Your Questions Answered: Volume Two

 

Q9: Should I max out a Roth IRA? (33:16)

IRS: Changes to Retirement Plans for 2022 (Roth IRA contribution and income limits)

The CC Family Investing Strategy, Part 1: Philosophy and Asset Allocation

The CC Family Investing Strategy, Part 2: Where Exactly Is Our Money?

Your 2021 Guide to Actually Saving Real Money

 

Q10: Can I use whole life insurance as an investing vehicle? (34:38)

 

Q11: I need a new car. Should I take out a loan or pay in cash? (35:58)

How to Get a Fantastic Deal on a New Car

Van Life: The Economics and Trade-Offs

 

Q12: My new job offers a Roth 401(k) option. Should I use it? (39:35)

Nerd Wallet: Roth 401(k) versus Traditional 401(k)

The Bold and Beautiful Roth Conversion Ladder

 

Q13: What is a mega backdoor Roth?? (45:33)

Forbes: Is the Mega Backdoor Roth Too Good to be True?

 

Q14: Can you tell me more about your autoimmune condition? (46:31)

Ankylosing Spondylitis

Seven Lessons From Two Years of Financial Freedom

 

Q15: Can you provide more details on the percentage of funds in various investing accounts? (51:39)

The CC Family Investing Strategy, Part 1: Philosophy and Asset Allocation

The CC Family Investing Strategy, Part 2: Where Exactly Is Our Money?

Relocation: A Guide to Moving and Housing Affordability

 

Question 16: How exactly do we fund our living expenses? (1:00:42)

Expense Ratio & Fees: They’ll Hose You Big Time

Early Retirement Now: The Safe Withdrawal Rate Series

Some Fantastic News on Healthcare Costs (More on how we balance income, spending, Roth conversions, and healthcare cost consideration)

How to Have Negative Health Insurance Costs

 

Finally: Mrs. CC’s Big News (1:07:42)