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401(k) plans were 'never designed to be the retirement plan for America'

The title of this article is taken directly from an article on yahoo Finance.  Here at Henderson and Floyd we have been preaching this very thing for more than a decade, please notice earlier articles here, here and here.  One the point of…
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Four rules for building wealth

Are you interested in building wealth? Most likely you answered either "yes," "YES," or "&%$# YES" to that question.  I have four rules that you need to follow.  Here they are: A portion of everything you make (no less than 10%)…
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The Hunt for Taxes: Part VI

I know I have posted several times about the ongoing hunt for taxes by cities, states and even the federal government.   You might ask, why the obsession with exposing this hunt?  Put simply, if you are not aware of it and start to resist…

Taxing Video Games - The Hunt for Taxes Part V

Politicians are eager to give more money and benefits to people in a bid to be re-elected.  As a result they hate raising taxes.  How can they increase the amount of money government takes from its citizens without "raising" taxes?  Find…
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Visitation Taxes - The Hunt for Taxes Part IV

It has been a while since we added to this series.  Not because there hasn't been any examples to write about but rather because there have been too many and I have been suffering from analysis paralysis. Just recently it came to my attention…

Household Income Definition - The Hunt for Taxes Part IV

This blog aims to empower the readers to make better financial decisions.  One area that impacts our financial life possibly more than any other factor is taxation.  The more you understand the tax code as well as what is being talked about…

Cities and States Join the Hunt: The Hunt for Taxes Part III

As more and more cities, states and nations get further and further in debt they are on the hunt for more revenue, i.e. taxes, regardless of the absurdity. Our series is showing how the "rich" are being redefined because governments only ever…
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3 Questions That Will Change The Way You Save Money Forever

Saving money is so easy a cave man can do it right? But, what if I told you 90% of Americans don’t save money SMARTLY? You know anyone can save their money but only a select few save their money in a way that will prosper them in the future.   Today…
College Opportunity Costs
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The Secret Opportunity Costs Of College No One Will Tell You

You already know that college is expensive, but how expensive is it? Let's find out!   I recently had a discussion with some clients we'll call John and Joanna, who have 2 teenage boys (I do free consulting). Anyway, one of their…
7 attributes of an ideal investment
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7 Attributes Of An Ideal Investment

In my last blog post, I discussed the pre-requisite of finding an ideal investment.  Namely, you as the investor need to be ideal.  What I mean is you need a sound financial education. Without the right kind of financial education, you…