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January 9, 2026 James Howes

The Hidden Tax: How Swipe Fees Drive Up the Price of Your Groceries

Finance
The Hidden Tax: How Swipe Fees Drive Up the Price of Your Groceries

As I sat in a quaint café in Tokyo, sipping matcha and planning my next adventure, I couldn’t help but think about the Mastercard vs

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January 2, 2026 James Howes

The Pro-rata Rule: the Hidden Trap in Your Backdoor Roth Strategy

Finance
The Pro-rata Rule: the Hidden Trap in Your Backdoor Roth Strategy

As I sat in a small café in Tokyo, sipping matcha and pouring over my retirement plans, I couldn’t help but think about the Pro

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December 12, 2025 James Howes

Falling Into the ‘donut Hole’: Understanding Medicare’s Weirdest Cost Gap

Finance
Falling Into the ‘donut Hole’: Understanding Medicare’s Weirdest Cost Gap

I still remember the look on my grandmother’s face when she hit the Medicare Donut Hole – it was like watching her navigate a labyrinth

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November 28, 2025January 6, 2026 James Howes

Make Your Kid a Millionaire: the Power of a Custodial Roth Ira

Finance
Make Your Kid a Millionaire: the Power of a Custodial Roth Ira

As I’ve navigated the complex world of financial planning for my own family, I’ve often found myself frustrated with the overly complicated advice surrounding Custodial

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August 14, 2025 James Howes

A Stress-free Guide on How to File Your Taxes for the First Time

Finance
A Stress-free Guide on How to File Your Taxes for the First Time

As I sat in my small café, sipping a warm coffee and reflecting on my own journey, I realized that filing taxes for the first

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