PHD. ARTICLES

Musings, reflections, and stories from the PHD. team and outside contributors about $$Money$$, Retirement, Repurposement, Behavioral Finance, Behavioral Economics, Plan Design and Choice Architecture. And life. And football…

Happiness and Repurposement

Happiness and Repurposement

(Republishing a post originally published in 2017.) Just finished the book “Happiness by Design” by Paul Dolan (with a forward by the great Daniel Kahneman). I’d highly recommend the book to anyone who wants to take a deep dive with Behavioral Finance and Behavioral...

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4 Reasons to NOT participate in a 401(k)

4 Reasons to NOT participate in a 401(k)

There are at least (4) Reasons some employees may NOT participate in a retirement plan... but do they hold water? In 1991, they published a book called “DOS For Dummies.” It was a how-to book that explained a topic in the most simplistic of terms. It sold. And other...

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SIMPLE IRA Webinar – 10/7/2020

SIMPLE IRA Webinar – 10/7/2020

https://www.linkedin.com/posts/troyredstone_401k-retirement-smallbusiness-activity-6716452229576048640-q8mM http://bit.ly/SENDAllianceOctWebinar It can be confusing as a small business to know which retirement plan is right for your team. Should you provide a SIMPLE...

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Employee Benefits??

Employee Benefits??

The latest in Employee Benefits... employers helping their employees with getting back to work if the kids of those employees may not be (fully) getting back to school. Sylvan Learning can help. Check out this free webinar - Thursday, September 24th....

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4 Reasons EVERY American worker should get in the game

4 Reasons EVERY American worker should get in the game

4 Reasons EVERYONE should participate in a retirement plan In 1991, Dan Gookin published a book called “DOS For Dummies.” It was a how-to book that explained a topic in the most simplistic of terms. Not surprisingly, it was a best-seller. Most surprisingly, readers...

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Don’t surrender to crappy funds

Don’t surrender to crappy funds

Don’t raise a WHITE Flag over this RED Flag issue. Far too many Americans are “surrendering” to the flagrant use of proprietary funds. It’s 2020! If your 401(k) provider is still offering proprietary funds, you’re probably being taken. According to information...

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Funding Retirement or College??

Funding Retirement or College??

Should a person save for college and then retirement or save for retirement and then college? How should we prioritize our dollars? Is there a right answer? I thought the answer to this question was easy, or intuitive, or obvious…but I've met so many people recently...

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