This show is a proud member of the Retirement Podcast Network.

Welcome to the Staywilty podcast. I'm your host, Taylor Schulte, and today I'm summarizing and sharing key takeaways from three of the best retirement and investing articles that I read this month.

The first article is about the future of taxes in this country and specifically makes a strong case for why they

will be higher. The second is about why investors missed out on 15% of investment returns over the last

decade. And the third is a real life account of what it actually feels like to be retired.

To view the articles and additional research referenced in today's

episode, just head over to you staywealthy.com forward slash 224.

The first article to share with you today comes from friend, author, and prior guest to the show,

Nick Majuli. In fact, my conversation

with Nick is one of the top 10 most listened to episodes on the podcast. So if you have not

listened to that interview or you're interested in listening to it again, I'll be sure to link to it

in today's show notes. But in a recent article that Nick wrote titled, Nothing is Certain

Except Debt and Taxes,

he makes a case for why taxes will be higher in the future.

And while many of our listeners might share that same sentiment,

what I've always appreciated about Nick is that he provides data to support his opinions.

His blog is named of dollars and data after all. But in the article,

Nick resurfaces a comment that he recently made online that sparked some controversy. Nick wrote,

quote, maxing out your 401k when you are younger is almost always the wrong choice. The extra half a percent per year is not

worth locking up your wealth until old age. I'm sure you can understand why that sparked some

controversy. But to argue his point, Nick recaps the key differences between marginal and

effective tax rates, which are often misunderstood.

...