Author Archives: Mike Pumphrey

About Mike Pumphrey

I'm the founder and author of Unlikely Radical, a site to help people succeed with money, achieve their goals, and live intentionally. I offer a free phone consultation to anyone who is interested in changing their financial narrative. Are you ready? Click here for details.

What to do with the extra tax money in your new paycheck

I really tried to avoid talking about the tax plan, and couldn’t help myself. But that was more of a “feelings” piece, and less practical. This article is coming from the other, more practical side. In the U.S., our new tax plan has now gone into effect. We’re effectively “testing in production”, to borrow a phrase … Continue reading »

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The HSA testing period might have less downside than I thought

If you have an HSA (Health Savings Account)—and if you’re eligible, it’s probably a good idea to have one—you still have time to make your contributions count toward last year. Since HSAs are a great financial deal (only offset by the generally cruddy nature of the health care plans that enable you to have one) … Continue reading »

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(Don’t) take this 30 second challenge about retirement (unless you want to panic)

People always like simple things they can remember. Whether it’s using the Rule of 72 to figure out when an investment (or debt) will double, or whether it’s aphorisms like “own your age in bonds“, (or even “Mary Very Easily Makes Jam”, a mnemonic about the order of the first five planets in our solar system, … Continue reading »

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Years from now, you’ll wish you started today

If there’s one thing I hear from so many people, it’s that they wish they started something years ago. Often it’s saving for retirement. “I just think of all those years I could have been saving, and I wasn’t doing it…” And true, the power of compound interest does favor the younger folks. You’ve all … Continue reading »

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The folly of choosing a Roth IRA or Traditional IRA based on tax brackets

If you’re saving for retirement (and you are saving for retirement, or at least working towards it, right?) you have probably been confronted with a choice when it comes to self-directed retirement accounts: Do you use a Roth IRA or a Traditional IRA? I’m not going to rehash that debate here. I’m clearly on Team Roth … Continue reading »

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Okay, okay, I’ll talk about the tax bill

I’ve been avoiding it. I haven’t wanted to talk about it. I wanted to bury my head under a pillow and forget about the whole thing. But, alas, it’s just too relevant to our work here. So I’m going to talk briefly about the new tax bill that was just passed by Congress. There are … Continue reading »

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Five years in review: Your top 10 favorite posts from 2012-2017

And just like how I detailed my all-time top 10 favorite posts, I decided to do the same with yours. Now, I know this couldn’t really be a good list of everyone’s “favorite” posts. But Google Analytics does a good job of measuring interest (even if it’s not good interest!) via its page views, and … Continue reading »

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Five years in review: My top 10 favorite posts from 2012-2017

I’ve been writing this site for over five years. Wow. Every year I do a round up of both my favorite posts and your favorite posts. But with the five-year mark passed, I decided to take a look back. All the way back. With over 500 posts (somewhere around 400,000 words), it’s almost impossible to narrow … Continue reading »

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Year in review 2017: Your top 10 favorite posts

It’s not all about me. While I wrote about my favorite posts for this year, I’m much more interested in your favorites. So I fired up my Google Analytics, that imperfect measure of interest, and looked up what were the most trafficked posts of 2017. (I did this for 2016, 2015, 2014, and 2013 too.) … Continue reading »

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Year in review 2017: My top 10 favorite posts

Well here we are, on the cusp of the end of a huge year. Every year seems to be both over in a flash and incredibly long, and this year was no different. But on balance, this year was pretty amazing, filled with love, adventure, and some successes. I hope yours was the same. As … Continue reading »

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