Opher Ganel
Consultant | physicist | writer |financial strategist | avid reader
1 Ratings
Finance Topics I Write About
- Budgeting
- Buying a House
- Coaching
- Credit Cards
- Emergency Savings
- Family and Money
- Financial Life Planning
- Getting out of Debt
- Money Psychology
- Owning a Business
- Prioritizing Money
- Real Estate Investing
- Retiring Early (F.I.R.E)
- Saving
- Saving for College
- Taxes
About Opher Ganel
Hi. If you're here, you probably want to know a bit about who I am, what I write about, and what you can expect from me. Right? Well, since you asked so nicely... I'm unique... (just like everyone else).I'm a consultant, scientist, instrument systems engineer, entrepreneur, financial strategist, professional writer, amateur photographer and artist, insanely avid reader (I've been known to finish 3 books a week), traveler (I've lived on 3 continents and at least set foot on each of the other 4, including Antarctica, and adopter of rescue dogs.
What I Write About
When I moved to the US 30 years ago, I owed more than I owned, and supporting a young family with two toddlers on a $31k salary was hard. My journey from that humble starting point to where I am today taught me many lessons that I'm happy to share.
As part of my Financial Strategy business, I write incessantly about personal and small-business finance on Medium as well as on my own blog, Wealthtender, TherapyNotes, BareMetrics, MSN, and more.
What You Can Expect from My Writing
Expect clear, easy-to-understand, no-nonsense, often contrarian, sometimes humorous viewpoints on financial matters that affect your everyday life and your plans for a better future.
Primary Location
Baltimore, MD, USA
Compensation Methods
- Check
- PayPal
Education
The Hebrew University of Jerusalem | Weizmann Institute of Science
Write a Review
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Consistently timely and relevant
May 3, 2023
Opher Ganel has a brilliant natural talent in several areas. His articles are always well constructed, and he has a way of going deep on a subject while maintaining the breadth to appeal to all audiences. Extremely smart and surprisingly equally accessible and humble.
Jorey Bernstein CEO & Founder Bernstein Investment Consultants
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InsuranceDo You Understand Your Health Insurance?
Opher Ganel, Ph.D.
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InvestingWill Stocks Always Beat Bonds?
Opher Ganel, Ph.D.
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InsightsHow Far Will Interest Rates Drop in 2025 and 2026?
Opher Ganel, Ph.D.
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InsightsBuy, Borrow, Die: The Secret to Wealth Without Taxes
Opher Ganel, Ph.D.
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InsightsCould Delaying Social Security Benefits be a Mistake?
Opher Ganel, Ph.D.
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InsightsIs the Financial Independence (FI) Ratio More Useful Than Net Worth?
Opher Ganel, Ph.D.
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InsightsAs More Americans Turn to FinTok for Financial Guidance, Experts Urge Caution
Opher Ganel, Ph.D.
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InsightsWealth Preservation Strategies to Avoid 5 Major Risks
Opher Ganel, Ph.D.
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InsightsOvercoming the Fear of Spending Money
Opher Ganel, Ph.D.
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InsuranceAnticipating an Insurance Payout? What You Should Do First (And What Not To Do)
Opher Ganel, Ph.D.
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InsightsDo Wealthy Americans Use Financial Advisors?
Opher Ganel, Ph.D.
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InsightsTake Out Your IRA Money? Risks and Effective Solutions
Opher Ganel, Ph.D.
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TaxesLegally Reduce Lifetime Tax and Make the Same Income? Yes!
Opher Ganel, Ph.D.
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InsightsDoes Your Financial Advisor Have a Succession Plan?
Opher Ganel, Ph.D.
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InvestingHow Do People Invest Their IRA Money?
Opher Ganel, Ph.D.
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InsightsAre Pensions Dead? Comparing Defined Benefit Plans to Defined Contribution Plans
Opher Ganel, Ph.D.
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InsightsHow Much Money Do Retirees Spend to Enjoy Their Golden Years?
Opher Ganel, Ph.D.
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InsightsDo Wealthy People Experience Money Problems?
Opher Ganel, Ph.D.
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InsightsSmart Expert Tips if You Need an Insurance Payout
Opher Ganel, Ph.D.
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InvestingWhat Investment Fund Types Are Selling Best This Year?
Opher Ganel, Ph.D.
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Financial PlanningHow Do Rich People Plan For Retirement?
Opher Ganel, Ph.D.
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InsightsNet Worth by Age: How Do You Compare to Your Peer Group?
Opher Ganel, Ph.D.
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InsightsHard Question: Gift Money Now or Bequeath in Decades?
Opher Ganel, Ph.D.
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InsightsDo Rich People Plan to Transfer Wealth to Their Heirs?
Opher Ganel, Ph.D.
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InsightsMiddle-Income Americans Are Hurting Financially – Here are 10 Ways To Cope
Opher Ganel, Ph.D.
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InsightsWhere Do Wealthy Americans Put Their Money Now?
Opher Ganel, Ph.D.
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InsightsIs $5.5 Million the Magic Number to Retire Comfortably and Pass Wealth to Your Children?
Opher Ganel, Ph.D.
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InsightsReal Wages Are Down 8%, Devastating Wealth; Now What?
Opher Ganel, Ph.D.
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InvestingHow Do Your Investments Compare to Other People? And Does it Matter?
Opher Ganel, Ph.D.
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Financial PlanningHow Much Money Do Wealthy People Keep in Retirement Accounts?
Opher Ganel, Ph.D.
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InvestingCan You Avoid the Wash-Sale Rule with ETFs and This Loophole?
Opher Ganel, Ph.D.
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InsightsSold! 3 Ways Home Sellers Can Help Buyers Struggling with Affordability
Opher Ganel, Ph.D.
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Insights9 Risks Could Hurt Your Investment Portfolio This Year. Here’s How to Avoid Them.
Opher Ganel, Ph.D.
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InsightsHow to Never Run Out of Money in Retirement. Too Good to be True?
Opher Ganel, Ph.D.
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InsightsDoes a 6-Figure Income Mean You’re Wealthy?
Opher Ganel, Ph.D.
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InsightsThink You’ll Become an Inheritance Millionaire? Don’t Get Your Hopes Up
Opher Ganel, Ph.D.
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InsightsReceiving an Inheritance? Financial Advisors Say Do These Things First
Opher Ganel, Ph.D.
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Financial PlanningFacing a Terminal Illness in the Family? This Financial Checklist Can Help.
Opher Ganel, Ph.D.
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Financial PlanningAbout to Become an Empty Nester? Read These 10 Money Tips First
Opher Ganel, Ph.D.
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Financial PlanningSurprise! You Just Received a Financial Windfall. Now What?
Opher Ganel, Ph.D.
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InsightsWhat to Do When Your Spouse Dies: A Financial Checklist & Expert Advice
Opher Ganel, Ph.D.
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InsightsCan These 5 Wealth-Building Myths Hurt You?
Opher Ganel, Ph.D.
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Financial PlanningThe Potential Pitfalls of Roth Conversions
Opher Ganel, Ph.D.
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InsuranceTwo Ways to Cut Your Health Insurance Cost By Half
Opher Ganel, Ph.D.
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Financial PlanningThe Higher Cost of Housing is Driving Many Americans to Lower-Cost Locations
Opher Ganel, Ph.D.
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InsightsYou Hit Financial Independence? Perfect! Now What?
Opher Ganel, Ph.D.
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InsightsWhat the CFPB Gets Wrong About Health Savings Accounts (HSAs)
Opher Ganel, Ph.D.
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InsightsInterest Rate Cuts Expected in 2024-2025: 5 Ways to Benefit
Opher Ganel, Ph.D.
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InsightsWill Homes Be Affordable Soon? 4 Ways Towards “Yes”
Opher Ganel, Ph.D.
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InsightsNew Asset Class Projections Impact on Your Retirement Money?
Opher Ganel, Ph.D.
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InsightsExpert Tips for Retiring Abroad in 7 Steps – A Helpful US Expat Guide
Opher Ganel, Ph.D.
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InsightsMoney: Are We Really at Maximum Debt?
Opher Ganel, Ph.D.
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Financial PlanningReady for a Career Break? A Sabbatical Makes Sense to These Financial Pros
Opher Ganel, Ph.D.
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InsightsTwo Simple Ways to Save Your Retirement: Guardrails & Buckets
Opher Ganel, Ph.D.
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Insights7 Best Ways You Can Use Excess RMD Money
Opher Ganel, Ph.D.
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Financial Planning7 Important Ways Millennials Approach Financial Advice Differently
Opher Ganel, Ph.D.
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Financial Planning7 Reasons Why Good Financial Planning Early On Is So Powerful
Opher Ganel, Ph.D.
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InsightsHow Many Americans Retire Wealthy
Opher Ganel, Ph.D.
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InsightsRetire Now or Later? The Impressive Edge Given by Coasting
Opher Ganel, Ph.D.
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TaxesTax Savings: What’s the Right Way to Make Your 83(b) Election?
Opher Ganel, Ph.D.
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InsightsIs Working For Yourself Better Than Working a Corporate Job?
Opher Ganel, Ph.D.
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InsightsSafely Enjoy a Better Retirement? A Little Budget Flexibility Helps
Opher Ganel, Ph.D.
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InsightsDoes the Future Promise Cheaper Housing? Here’s What Harvard Researchers Say
Opher Ganel, Ph.D.
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InsightsShould You Rent or Buy a House Today? This Harvard Report and Financial Pros Share Insights
Opher Ganel, Ph.D.
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Insights$4 Million Early Retirement? Not Easy, But Here’s What You’ll Enjoy
Opher Ganel, Ph.D.
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InsightsReverse Mortgage Helpful Pros and Cons: Know When They’re Best?
Opher Ganel, Ph.D.
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Money ManagementHoping to Generate More Income in Retirement? A Dynamic Retirement Withdrawal Strategy May be Worth Considering
Opher Ganel, Ph.D.
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InsightsSurprise! The Greatest Retirement Spending Changes Come from What Now?
Opher Ganel, Ph.D.
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InvestingPicking Active Funds: How to (Almost) Guarantee You Make More Money
Opher Ganel, Ph.D.
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InvestingCan Active Funds Make Money for You Better Than Passive?
Opher Ganel, Ph.D.
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InsightsTop Retirement Money Withdrawal Method – Is the Dynamic Way Better?
Opher Ganel, Ph.D.
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Insights“Worst Investment Ever?” Guru’s Advice on Social Media Is Dangerously Wrong
Opher Ganel, Ph.D.
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InsightsBest Way to Downsize in a Super-High-Interest Rate Market?
Opher Ganel, Ph.D.
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InvestingMore Stocks? Less? Which Portfolio Is Better in Retirement?
Opher Ganel, Ph.D.
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Financial PlanningCan You Still Trust the Simple Old 4% Retirement Rule?
Opher Ganel, Ph.D.
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Financial PlanningHow to Choose a Financial Advisor
Opher Ganel, Ph.D.
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InsuranceCan a Life Insurance Retirement Plan (LIRP) Help Boost Your Finances?
Opher Ganel, Ph.D.
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Money ManagementIs Overspending a Problem? Or Underspending? What You Need to Know
Opher Ganel, Ph.D.
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Financial PlanningThree Easy Ways to Protect Your 401(k) After Leaving Your Job
Opher Ganel, Ph.D.
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TaxesFour Ways to Avoid the Costly Pro-Rata IRS Tax Trap
Opher Ganel, Ph.D.
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InsuranceSingle-Premium Life Insurance? Your Answers to 10 Important Questions
Opher Ganel, Ph.D.
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InsuranceCan People Keep Affordable ACA Marketplace Plans After Age 65?
Opher Ganel, Ph.D.
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InvestingAvoid These Investing Mistakes to Reach Your Retirement Goals
Opher Ganel, Ph.D.
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Financial PlanningWhat is Sudden Wealth Syndrome? These Financial Advisors Know and Can Help
Opher Ganel, Ph.D.
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Financial PlanningAre You Retiring Soon? These Money and Life Tips for Near-Retirees Can Help
Opher Ganel, Ph.D.
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Financial PlanningAre You a Nervous Tech Worker? Financial Pros Offer Tips for Uncertain Times
Opher Ganel, Ph.D.
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Money ManagementHow to Avoid Getting Laid Off
Opher Ganel, Ph.D.
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InvestingIRA vs. 401(k): What’s Really Best for Your Retirement Money?
Opher Ganel, Ph.D.
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Money ManagementWhat Happens to Your 401(k) When You Quit Your Job?
Opher Ganel, Ph.D.
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Financial PlanningShould You Delay Taking Your Social Security Benefits?
Opher Ganel, Ph.D.
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Financial Planning403(b) vs. 401(k) Benefits: Do You Know the Difference?
Opher Ganel, Ph.D.
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InvestingETF vs. Mutual Funds: What’s the Difference?
Opher Ganel, Ph.D.
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InvestingIs Your Investment Portfolio Way Too Aggressive Given Your Age?
Opher Ganel, Ph.D.
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InsuranceIs Good Umbrella Insurance a Useful Way to Manage Risk?
Opher Ganel, Ph.D.
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Financial Planning401(k) vs. SEP IRA: These Experts Offer Tips on Which to Choose
Opher Ganel, Ph.D.
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Financial PlanningThe Cost of Healthcare in Retirement Keeps Rising. These Tips Will Help You Prepare
Opher Ganel, Ph.D.
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Insights Money Management
Achieve Financial Freedom by Asking Yourself This Before Buying Anything Significant
Opher Ganel, Ph.D.
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Money ManagementBuild Wealth on an Income of $67,000 in 3 Really Simple Steps
Opher Ganel, Ph.D.
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Money ManagementWhen Is Enough Money Enough? A Simple Step-by-Step Guide
Opher Ganel, Ph.D.
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Financial PlanningUse the Guardrails Approach to Avoid Running Out of Money in Retirement
Opher Ganel, Ph.D.
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Money ManagementWhat the Simple $1000-a-Month Retirement Savings Rule Really Means Now
Opher Ganel, Ph.D.
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Financial PlanningRetirement Risks: 7 Simple Planning Tips to Increase Your Odds of Not Running Out of Money
Opher Ganel, Ph.D.
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Investing9 Surprising S&P 500 Index Facts To Know Before You Invest
Opher Ganel, Ph.D.
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Financial PlanningHoping to Buy a Home? Two Reasons You’re in Big Trouble
Opher Ganel, Ph.D.
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Financial PlanningThe Pros and Cons of FHA Refinancing vs. Conventional Loan Refis
Opher Ganel, Ph.D.
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InvestingWealth Secrets: DSTs, Using 1031 Exchanges & More – Which is Best for Your Real Estate Investing Needs?
Opher Ganel, Ph.D.
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Money ManagementDebt Isn’t Bad (or Good), Painful Truth Is You Don’t Know How to Use It Right
Opher Ganel, Ph.D.
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Money ManagementCan Working Longer Help if You Don’t Expect to Be Able to Retire?
Opher Ganel, Ph.D.
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Banking and CreditThe Credit Card Rewards Game: How This Writer and These Financial Pros Play to Win
Opher Ganel, Ph.D.
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InsightsComparing an S-Corp to a C-Corp: Which One Best Suits Your Business Needs?
Opher Ganel, Ph.D.
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InsightsWhat are the Odds? Is Playing the Mega Millions or Powerball Lottery Ever Worth It?
Opher Ganel, Ph.D.
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InsuranceAre Life Insurance Benefits Taxable or Tax-Free?
Opher Ganel, Ph.D.
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Financial PlanningCan I Retire at 60 Years Old with a $500k Portfolio?
Opher Ganel, Ph.D.
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InvestingShould You Invest in Real Estate or Stocks?
Opher Ganel, Ph.D.
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InvestingIs a 401(k) Worth It?
Opher Ganel, Ph.D.
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Insights Money ManagementAre You Making Any of These 7 Budgeting Mistakes? Here’s What to Do Differently
Opher Ganel, Ph.D.
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Financial PlanningCan Employers Now Give After-Tax 401(k) Match? SECURE 2.0: Yes
Opher Ganel, Ph.D.
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Money ManagementThe Ultimate Guide to Lower Rent: 12 Little Tips to Saving Really Big Money
Opher Ganel, Ph.D.
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InsightsWhy Is Retiring So Hard? Turns Out the Money Game’s Rigged
Opher Ganel, Ph.D.
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Banking and CreditHow to Increase Your Credit Score
Opher Ganel, Ph.D.
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Financial PlanningWhat’s the Connection Between Your Net Worth, Income, and Achieving Financial Freedom?
Opher Ganel, Ph.D.
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Money ManagementWhy the “50/30/20 Rule” Proposed by Elizabeth Warren Can Hurt Your Finances
Opher Ganel, Ph.D.
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InvestingCharitable Gift Annuities: Smart Way to Income and Tax Savings?
Opher Ganel, Ph.D.
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Banking and CreditWhat Increases Your Loan Balance? 7 Ways Your Debt Can Balloon
Opher Ganel, Ph.D.
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Money ManagementCan Side Hustles Help You Survive Inflation, Debt, and Delinquencies?
Opher Ganel, Ph.D.
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Financial PlanningEmergency 401(k) and IRA Withdrawals: How SECURE 2.0 Makes It Easy
Opher Ganel, Ph.D.
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Financial Planning3 Simple Little Problems with Articles About Average 401k Balances
Opher Ganel, Ph.D.
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Money ManagementThe $1,000 a Month Rule: 9 Steps to Know How Much You Need to Retire
Opher Ganel, Ph.D.
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Money ManagementNever Worry About Money Again By Doing These 7 Things
Opher Ganel, Ph.D.
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Financial PlanningThese 529 Plan Benefits Aren’t Just for the Wealthy
Opher Ganel, Ph.D.
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Financial PlanningWhat’s the Best Way to Create a Financial Plan?
Opher Ganel, Ph.D.
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Financial PlanningYour Employer Can Offer Student Loan Repayment Benefits. Here’s What to Know
Opher Ganel, Ph.D.
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Money ManagementNo Thanks, Suze Orman. This is What Financial Gurus Won’t Tell You.
Opher Ganel, Ph.D.
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Financial PlanningAre Employee Benefits Actually Worth as Much Money as You Think?
Opher Ganel, Ph.D.
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Money Management
A Dollar Saved Is a Dollar Earned – Why It’s Wrong and What Time Has to Do With It
Opher Ganel, Ph.D.
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Money ManagementBeing in Debt vs. Having Debt: What Does It Mean and What Should You Do?
Opher Ganel, Ph.D.
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Financial PlanningWhat is Longevity Risk? How to Avoid Running Out of Money in Retirement
Opher Ganel, Ph.D.
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InsightsCan Spending $10,000 on a New Couch Make Perfect Sense?
Opher Ganel, Ph.D.
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Financial PlanningLiquid Net Worth: Definition, Quick Calculation & Why It Matters
Opher Ganel, Ph.D.
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InsightsLive Your Best Life Today without Sacrificing Tomorrow
Opher Ganel, Ph.D.
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InsightsWhat’s the Difference: Self-Employed vs. Employee?
Opher Ganel, Ph.D.
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Financial PlanningThe SECURE Act 2.0 Makes 529 Plans More Valuable
Opher Ganel, Ph.D.
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TaxesThe SECURE Act 2.0 RMD Changes & Impact on Your Retirement Savings
Opher Ganel, Ph.D.
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Financial PlanningOwn Your House? You’ve Made Out Like a Complete Bandit!
Opher Ganel, Ph.D.
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InsightsHybrid vs. Electric: Which Car Is Actually Cheaper to Drive?
Opher Ganel, Ph.D.
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Money ManagementBefore Buying a Used Car, Ask These Questions First
Opher Ganel, Ph.D.
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InsuranceLower the Cost of Long-Term Care Insurance with these Tax-Efficient Tips
Opher Ganel, Ph.D.
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InvestingDo You Understand the Lifetime Income Projections Coming to Your 401(k) Statement?
Opher Ganel, Ph.D.
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InsightsMy 5 Most Controversial Financial Advice Nuggets Make Perfect Sense
Opher Ganel, Ph.D.
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InvestingShould You Save for Retirement in a Taxable Investment Account?
Opher Ganel, Ph.D.
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Money ManagementTrying to Get Approved for a Mortgage? Don’t Make These 7 Mistakes
Opher Ganel, Ph.D.
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Financial PlanningThe Cost of Raising a Child is How Much? The Figures are Eye-Popping
Opher Ganel, Ph.D.
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Money Management10 Simple Steps to Ace Your Holiday Shopping
Opher Ganel, Ph.D.
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Banking and CreditWhat are Interest-Only Mortgages and are They Worth It?
Opher Ganel, Ph.D.
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InsuranceHRA or HSA: What’s the Difference and Which is Right for You?
Opher Ganel, Ph.D.
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InvestingTo Become a Better Investor, Avoid these 7 Distractions
Opher Ganel, Ph.D.
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Financial PlanningWill Your Retirement Plans be Derailed by One of These Big Risks?
Opher Ganel, Ph.D.
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InsuranceDo High Rates Make Now a Good Annuity Buying Opportunity?
Opher Ganel, Ph.D.
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InvestingRoth vs. Traditional IRA: Why Roth is Better (Most of the Time)
Opher Ganel, Ph.D.
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Money ManagementThree Simple Secrets to Long-Term Financial Success that Don’t Involve Budgeting and Forgoing a Daily Latte)
Opher Ganel, Ph.D.
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Financial PlanningIs 60 Too Old to Start Saving for Retirement? A Tantalizing Answer.
Opher Ganel, Ph.D.
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Money ManagementWhy “I’ll Work Until I’m Dead” Really Means “I’m Not Willing to Manage My Money”
Opher Ganel, Ph.D.
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Money ManagementYes! Buying a New Car Makes More Sense than Buying Used
Opher Ganel, Ph.D.
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Money ManagementHow to Save Money on New Cars Now in 4 Simple Steps
Opher Ganel, Ph.D.
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InsightsWhy Social Security Benefit Increases Are Bad News for Retirees
Opher Ganel, Ph.D.
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InsightsReady to Make Your Money Work for You? This Approach Makes More Sense
Opher Ganel, Ph.D.
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Money ManagementOvercoming Your Money Fears – How to Meet Every Challenge with Confidence
Opher Ganel, Ph.D.
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Banking and Credit5 Ways Credit Cards Can Actually Help You Get Debt-Free Faster
Opher Ganel, Ph.D.
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Money ManagementDo You Really Need a Side Hustle? 5 Epic Advantages, 5 Simple Warnings
Opher Ganel, Ph.D.
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Financial PlanningWomen’s Finances: The 10 Money Challenges and 2 Advantages of Women over Men
Opher Ganel, Ph.D.
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Banking and CreditShould You Get a Business Credit Card? Consider These 5 Tips First
Opher Ganel, Ph.D.
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Financial Planning10 Ways to Fund Your Children’s College Education – Which is Best for You?
Opher Ganel, Ph.D.
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Money Management5 Money Management Levels – the Way from Poverty to Freedom
Opher Ganel, Ph.D.
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Financial PlanningPaying for College this Year? Lower Your State Income Taxes with this Little Known 529 Tactic
Opher Ganel, Ph.D.
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InvestingWill Inflation Derail Your Retirement Plans?
Opher Ganel, Ph.D.
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Insights3 Tips to Buying a House in a Sellers’ Market (& How to Win a Bidding War)
Opher Ganel, Ph.D.
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InvestingStress Test Your Investment Portfolio the NASA Way
Opher Ganel, Ph.D.
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Financial PlanningWill You Ever Become Wealthy? Use These 3 Simple Factors to Find Out
Opher Ganel, Ph.D.
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Money ManagementHow to Determine Your Ideal Asset Allocation When Approaching Retirement
Opher Ganel, Ph.D.
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Financial PlanningThree Ways Financial Plans Can Help Save You from Yourself
Opher Ganel, Ph.D.
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InvestingHow to Make Money in a Bear Market
Opher Ganel, Ph.D.
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InvestingYou Can Reach Financial Independence Even if You Don’t Earn 6 Figures
Opher Ganel, Ph.D.
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Money ManagementDoes High Inflation Make You a Winner or Loser?
Opher Ganel, Ph.D.
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InsuranceWhat is an Annuity? And Should I Buy One?
Opher Ganel, Ph.D.
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Money ManagementDid I Really Just Pay $520 for a Lady Gaga Concert? Absolutely!
Opher Ganel, Ph.D.
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TaxesThe QSBS Exemption Tax Benefit (IRC Section 1202)
Opher Ganel, Ph.D.
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InvestingHow Much Should You Invest in Stocks? The Answer May Surprise You.
Opher Ganel, Ph.D.
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Financial PlanningSmart Strategies to Reduce or Avoid RMDs
Opher Ganel, Ph.D.
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InvestingInvesting Made Simple: Five Steps to Invest for Your Retirement
Opher Ganel, Ph.D.
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Banking and CreditThree Great Ways You Can Quickly Dig Out of High Credit Card Debt
Opher Ganel, Ph.D.
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Financial Planning
Your Ultimate Guide to Retirement Income Planning
Opher Ganel, Ph.D.
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Money ManagementMy Personal Approach – How to Actually Keep Retirement Money Safer
Opher Ganel, Ph.D.
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Money ManagementHow to Keep Your Retirement Money Safe – A More Practical Way
Opher Ganel, Ph.D.
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Money ManagementThe 4% Rule: You May Need A Lot More (or Less) Than You Thought to Retire
Opher Ganel, Ph.D.
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Other3 Super Simple Guidelines for Setting the Right Financial Goals
Opher Ganel, Ph.D.
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OccupationKnow the Best & Worst Places for Coders to Make Good Money?
Opher Ganel, Ph.D.
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Money Management15 Reasons You Should Rent a House Instead of Buying
Opher Ganel, Ph.D.
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InvestingMy Investments Lagged in 2021 – 3 Reasons I’m Still Happy
Opher Ganel, Ph.D.
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Banking and Credit3 Reasons Why High-Interest Bank Accounts Aren’t Worth It
Opher Ganel, Ph.D.
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Money ManagementConstellation Energy Review: What Everyone Can Learn from Their Bad Behavior
Opher Ganel, Ph.D.
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Money ManagementWhy Are New Cars So Expensive? (Or Are They?)
Opher Ganel, Ph.D.
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Money Management3 Important Reasons Your Happiness Depends on Your Next Raise
Opher Ganel, Ph.D.
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Money ManagementMore Money: 3 Benefits, One with a Very Big Downside
Opher Ganel, Ph.D.
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Money ManagementA Simple Way to Double Your Small Business Profits and 10x Assets
Opher Ganel, Ph.D.
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Money ManagementInflation Is High – Can Debt Actually Make It Your Best Friend?
Opher Ganel, Ph.D.
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Money ManagementTop Finance Writers’ Money Tips for Your Peak Earning Years
Opher Ganel, Ph.D.
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InvestingDo Active Mutual Funds Really Doom Your Portfolio to Lagging?
Opher Ganel, Ph.D.
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Money ManagementJust Starting Out? Top Money Tips from Top Finance Writers
Opher Ganel, Ph.D.
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Money ManagementKnow Top Finance Authors’ Best and Worst Ever Money Decisions?
Opher Ganel, Ph.D.
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Money ManagementHow Much Money Should You Really Pay for Cars and Homes? Top Finance Writers’ Life Advice
Opher Ganel, Ph.D.
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Money ManagementCan I Retire Yet? Answer Question with One Simple Wealth Formula
Opher Ganel, Ph.D.
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InsightsPay Cuts for Remote Workers Are Absolutely Unconscionable
Opher Ganel, Ph.D.
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Money ManagementWhat are Assets? What are Liabilities?
Opher Ganel, Ph.D.
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Money ManagementHow Refis and High Inflation Turned 3 Mortgages into Assets that Actually Make Money
Opher Ganel, Ph.D.
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Money ManagementThoughtful Ways to Rate Every Money Action Good to Best, Bad to Worst
Opher Ganel, Ph.D.
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InvestingPractical Math Reveals Why Getting Rich Is Hard But Gets Way Easier Over Time
Opher Ganel, Ph.D.
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Money ManagementHow Does Net Worth Actually Develop Over a Lifetime?
Opher Ganel, Ph.D.
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Money ManagementHow Much Money Makes You Wealthy, Wealthier, or Wealthiest?
Opher Ganel, Ph.D.
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Money ManagementTwo Methods to Figure Out Your Retirement Income Needs
Opher Ganel, Ph.D.
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InsightsIs Your Salary Spectacular, OK, or Needs a Little Help Compared to State Data?
Opher Ganel, Ph.D.
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Money ManagementWhy Social Security Timing Isn’t About Maximizing Lifetime Benefits
Opher Ganel, Ph.D.
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InvestingIs Using Past Results to Pick Your Investments Crazy or Actually Smart?
Opher Ganel, Ph.D.
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Insights Money ManagementInflation: Prices Keep Soaring – Which Ones Really Hurt You Most?
Opher Ganel, Ph.D.
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Insights Money ManagementHow to Calculate Your Personal Inflation Rate
Opher Ganel, Ph.D.
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Financial PlanningTo Reach Financial Independence, Conquer the Wealth Effect
Opher Ganel, Ph.D.
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Insights InvestingShould You Buy or Rent a House?
Opher Ganel, Ph.D.
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InvestingHow Much Money Should You Have Saved by Your Age?
Opher Ganel, Ph.D.
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Money ManagementWhat Retirement Can You Actually Afford with $500k, $1 Million, or $2 Million in Assets
Opher Ganel, Ph.D.
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Insights5 Annoying Ways Your Job Costs You Lots of Money
Opher Ganel, Ph.D.
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InvestingMake the Most of Your Employer’s 401(k) Match
Opher Ganel, Ph.D.
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Money ManagementIs Contrarian Money Advice Really Good for Your Financial Health?
Opher Ganel, Ph.D.
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Money ManagementCan Buying Your Next Car New Actually Save You Money?
Opher Ganel, Ph.D.
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InvestingA Spectacular 2020 Means Now Is the Time to Change Portfolio Strategies
Opher Ganel, Ph.D.
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InvestingHelp Your Child Become a Millionaire (Tax-Free, Too!)
Opher Ganel, Ph.D.
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Money ManagementUse a Roth IRA to Counter the Costs of the SECURE Act
Opher Ganel, Ph.D.
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Banking and CreditThe Best And Worst Ways to Use Your Credit Cards
Opher Ganel, Ph.D.
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Money ManagementDo You Really Need a Massive Emergency Fund After All?
Opher Ganel, Ph.D.
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InsightsWhy Are You Working So Effing Hard?
Opher Ganel, Ph.D.
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InvestingNo Myth – You Absolutely Can Create Passive Income
Opher Ganel, Ph.D.
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Banking and CreditHow to Get Your Grocer to Send You on Vacation
Opher Ganel, Ph.D.
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Banking and Credit
How to Avoid Credit Card Debt in 3 Super-Simple Steps
Opher Ganel, Ph.D.
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InsightsHow to Put Your Kid Through College for Less Money
Opher Ganel, Ph.D.
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InsightsHow to Save Huge on a College Education
Opher Ganel, Ph.D.
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InvestingHow to Make Your Kid Wealthy with Small Gifts
Opher Ganel, Ph.D.
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Money ManagementShould You (Plan to) Retire Early and If So, What Do You Need to Plan?
Opher Ganel, Ph.D.
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Banking and CreditThe CFPB Annual Report on Student Loans, Consumer Complaints and Debt Relief Scams – What You Need To Know
Opher Ganel, Ph.D.
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Money ManagementWhat’s YOUR Best Way to Pay Off All Your Debt?
Opher Ganel, Ph.D.
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InsightsWhy “Free” Isn’t Always So Great
Opher Ganel, Ph.D.
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Money ManagementPay Off Your Mortgage ASAP, but then Again, Maybe Not?
Opher Ganel, Ph.D.
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Money ManagementHow to Figure Out What Your Time Is Really Worth
Opher Ganel, Ph.D.
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Money ManagementHere Are the States Whose Residents Are Really Best at Managing Their Money
Opher Ganel, Ph.D.
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Money ManagementHow the SECURE Act Hurts Your Retirement Planning and What You Can Do About It…
Opher Ganel, Ph.D.
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Money ManagementHow a Side Hustle Lets You Reach FIRE Faster
Opher Ganel, Ph.D.
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Money ManagementYour Emergency Fund: How to Decide How Much to Set Aside
Opher Ganel, Ph.D.
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Money ManagementYou May Need to Save Less for Retirement than You Think
Opher Ganel, Ph.D.
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Banking and CreditWhy Prepaying Your Home Mortgage is Almost Always a Terrible Idea
Opher Ganel, Ph.D.
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Banking and Credit Insights Money ManagementQuick Budget Hack: Easily Figure Out Your Average Expenses (and Create a Realistic Budget)
Opher Ganel, Ph.D.
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InsightsA Capitalist’s View on Why US Capitalism Must Be Fixed
Opher Ganel, Ph.D.
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Money ManagementThe True Meaning of FIRE
Opher Ganel, Ph.D.
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InvestingYour Optimal Path to Being Able to Retire Comfortably
Opher Ganel, Ph.D.
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Banking and CreditThe Costs You Pay for High Credit Card Debt
Opher Ganel, Ph.D.
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Money ManagementA Useful Retirement Calculator from the Wall Street Journal and How to Fix It
Opher Ganel, Ph.D.
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Money ManagementWhy Eating Out May Be More Financially Responsible than Cooking at Home
Opher Ganel, Ph.D.
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Money ManagementYes, Money Can Buy Happiness
Opher Ganel, Ph.D.
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InvestingWhy You Should Consider Real Estate Investing
Opher Ganel, Ph.D.
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Money ManagementHow to Make Your Pursuit of FIRE Sustainable
Opher Ganel, Ph.D.
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Money ManagementGo Ahead and Buy It, It’s OK
Opher Ganel, Ph.D.
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Banking and CreditRefinancing? Use This Insider Trick to Quickly Boost Your Credit Score
Opher Ganel, Ph.D.
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InvestingLow Inflation Helps Your (Taxable) Portfolio
Opher Ganel, Ph.D.
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Money ManagementThe Legal Theft Called Private Mortgage Insurance (and How to Avoid It)
Opher Ganel, Ph.D.
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Money ManagementFreelancer or Contractor? Don’t Count on Your Clients to Look Out for You
Opher Ganel, Ph.D.
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Money ManagementIf You’re Renting Your Home You Need to See This
Opher Ganel, Ph.D.
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Money ManagementHow to Maximize Your Spouse’s Social Security Benefits
Opher Ganel, Ph.D.
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Banking and CreditDon’t Get Taken by the “Mortgage Accelerator” Scam
Opher Ganel, Ph.D.
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Money ManagementPro Tips for Reaching Early Financial Independence
Opher Ganel, Ph.D.
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Other
How to Safeguard Your Retirement Plan from the 7 Biggest Risks
Opher Ganel, Ph.D.
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InsightsMake Money by Making a Difference
Opher Ganel, Ph.D.
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Banking and CreditWhen Interest-Free Offers Aren’t
Opher Ganel, Ph.D.
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Money ManagementHere’s How You’re Taxed on Money You Don’t Earn
Opher Ganel, Ph.D.
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Money ManagementWhat to Do When You Don’t Have Enough Money to Do Everything at Once
Opher Ganel, Ph.D.
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InvestingHow Your Opportunity Costs Shrink Over Time
Opher Ganel, Ph.D.
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InvestingHere Are 3 Ways Investing in Mutual Funds Can Cost You a Lot
Opher Ganel, Ph.D.
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Money ManagementUse a 529 Plan to Save for College (and Save Thousands of Dollars)
Opher Ganel, Ph.D.
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Money ManagementThe 4 Pillars of Healthy-Couple Money and How You Build Them
Opher Ganel, Ph.D.
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InsightsWhy Retiring Can Be Dangerous (Plan for This Instead)
Opher Ganel, Ph.D.
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Money ManagementHere’s How to Shock-Proof Your Retirement Plan (Once You Have One…)
Opher Ganel, Ph.D.
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Money ManagementStrategically Pricing your Freelance or Consulting Services
Opher Ganel, Ph.D.
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Insights Money ManagementHow Soon Can You Reach Your Personal FIRE Point?
Opher Ganel, Ph.D.
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InvestingThe Stock Market Can Be Less Risky Than Cash
Opher Ganel, Ph.D.
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Insights Money ManagementMake a Massive Difference in Your Life Through 1% Changes
Opher Ganel, Ph.D.