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The Chalkboard

Let’s learn.

Jay Kadlec 7/6/25 Jay Kadlec 7/6/25

How should I invest?

There are exceptions. Every plan is different, but in general:

Diversify Early – Spread across US/international stocks, bonds, annuities, real assets, etc.
Get More Sophisticated as You Grow – Over $500k? Add…

A Dollar a Day

Money today is worth more than the same amount in the future due to:
✅ Compound growth (earning returns on returns)
✅ Inflation erosion (future dollars buy less)
and more…

To Convert or Not?

Roth IRAs offer tax-free growth and withdrawals, while Traditional IRAs provide upfront tax breaks. Younger investors often benefit the most from Roth accounts, while those nearing retirement should carefully evaluate their tax situation.