Happy end of 2021, the close of what feels like another fake year. In my brain it

is still 2020 and 2019 was last year. So the fact that we are about to cross the

cosmic threshold into 2022 is sending me to the moon. And I figured it was an

appropriate time to reflect on 2021 and maybe more interestingly my biggest

financial lessons of this year. So before we do that I want to tell you quickly

about our sponsor today. Today's episode was brought to you by Capitalize. Let

me tell you why I love Capitalize. Even as a personal finance blogger I was

searching for the word. It's like expert no guru no blogger. Somebody that

loves personal finance. I had absolutely no interest in rolling over my old 401k's.

One of these 401k's was in an unnamed brokerage firm. I'm not gonna put them

on blast. But the 401k did not have much in it. It had maybe I don't know

five thousand six thousand dollars in it. And I had had this 401k for I don't

know eight to ten months give or take. And I noticed when I went in to check on

that 401k after leaving the company that I had paid over thirty dollars in

fees on a five thousand dollar balance that had been in the account for

under a year. That's more than a point six percent expense ratio or fee

structure depending on how you want to think about it and where those fees came

from. And I knew that I needed to get that 401k out of that brokerage firm's

possession because I was being charged way more than I wanted to pay to keep my

index funds in that old 401k. So enter Capitalize. Capitalize is a free

service. Yes, it's completely free. I know that will roll over your 401k for

you. All you have to do is tell Capitalize where the 401k is. Approximately

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