White Coat Investor Podcast

WCI #276: 529s, I bonds, TIPS, S Corps, ETFs and 403(b)s

Aug 18, 2022
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ANECDOTE

FI Changes How Work Bothers You

  • Jim Dahle reflected on being financially independent and how small workplace hassles bother him more.
  • He described declining enthusiasm for credentialing hassles for a part‑time ED shift as an example.
ADVICE

When 529s Make Sense For K–12 Tuition

  • Avoid routing K–12 tuition through a 529 if your state gives no tax benefit for immediate withdrawals.
  • Use a 529 for K–12 only if you can leave funds invested for years to earn tax-free gains.
ADVICE

How I Bonds Earn Interest

  • Buy I Bonds at TreasuryDirect and hold at least five years to avoid the three-month interest penalty.
  • Interest compounds semiannually and the rate you get locks for six months from issue.
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