financial models

Your portfolio cares about current events… should you?

Being aware of your situation informs your actions. News about war in Israel, war in Ukraine, US political infighting, the lack of a Speaker of the House, inflation, government uncertainty and global unrest might be dominating the headlines, and your mood—but what does it mean for your financial portfolio? There are many ways for an …

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Personal Finance Planning by Voice!

Mitch Sturgeon has an amazing story. Diagnosed with an aggressive form of MS in 2001, the disease slowly and relentlessly  deprived him of his outdoor passions.  Golf, snowmobiling, hiking – all had to be abandoned. In 2009, a year after his first wheelchair purchase, he took medical retirement from his chemical engineering career and began …

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Taxes With Ruby and OT

In March of 2023 OnTrajectory sat down with Ruby Padilla, CPA to discuss some general tax plans and strategies. Take a listen, and remember this video is for informational purposes only. Disclaimer–For Investment Professional Use OnlyThis presentation and the opinions and views contained herein are not intended to be, and do notconstitute investment or tax …

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Standing up your \”money dummy\”: How a personal financial model helps you own your future

It’s no secret many workers hate their jobs – so it’s no wonder the FIRE movement has gotten so much attention – even its own movie! However, two recent posts on Reddit’s Financial Independence forum highlight our job-hating emotions perfectly: \”The only reason I am interested in FIRE is I HATE my job\”  describes one individual\’s …

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First-Time Homebuyer? Here’s How to Prepare Financially

If you\’re a first-time homebuyer and looking for a smattering of advice from across the internet, check out this article on REDFIN\’s blog. The article features our founder, Tyson Koska — and his advice on the topic: \”Key to purchasing your first home is knowing exactly ‘how much home’ to buy. Do not simply buy …

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Get Thee to School!

We\’re partnering with Montana Money Adventures to bring you Money Coach School – and it\’s now OPEN! What is Money Coach School? It\’s for people who love personal finance and want help others make progress on their personal financial journey – it\’s everything you need to get started building a business or a passion-project you love! What\’s Covered? There …

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Becoming the Landlord: Advice and Insight to Generate Income from Rentals

There are a lot of ways to make side-income in the modern world, and rental property is – how do you say – a classic. For many, it may seem daunting or scary, but it’s easier than ever to own and rent-out property. Technology has made researching, acquiring, and advertising real estate more streamlined and more transparent …

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How to Have a Better Mid-Life Crisis

(Note: All calculations and charts rendered with OnTrajectory.com) It doesn\’t matter if you\’re happily married or in the throes of a brutal, debilitating divorce. You may have been a conscientious saver, you may have formed wise money-habits – able to navigate narrow budgets with ease. But one morning you\’ll wake up and feel the need to buy something …

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The Complicated Mess of Your Financial Life

(Note: All calculations and charts rendered with OnTrajectory.com) Let\’s say you\’re 25 (pretending is fun, right?)… If you place a quarter a day into a tax-deferred, moderate-risk-jar – and because you\’re awesome, you give that jar to your favorite great-grand-nephew upon your eternal \”rest\”: How much is in the jar? About $43,000, here\’s the chart… Or how …

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OnTrajectory: Features and Functions

See Where Your Money Is Taking You OnTrajectory does not seek answers to questions like, “How much do I need to retire?” or “How much do my kids need for college?” It addresses a simple, central concern: “What’s my financial trajectory?” i.e. Are you on course for economic independence – or will you financially crash …

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