Wednesday July 2, 2014

4 New Year’s Resolutions For Financial Success in 2014

downloadIt’s the close of another year and the close of a banner year for Wall Street.  Just in case you haven’t heard, the DOW was up 26.5% for the year, the S&P 500 was up 29.6% and the NASDAQ was up 38.3%.  The folks on Wall Street clearly had an outstanding year, financially speaking.  But how about on Main Street… know….back at your financial ranch so to speak.  How did you do financially in 2013?  If your results weren’t as stellar as Wall Street, or you feel that you have room for improvement, here are 4 New Year’s resolutions that will lead to financial success in 2014 if you embrace them.

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  • Avoid Market Losses – We all remember years like 2013, when we can gleefully talk about how strong the financial markets were.  However, many of us would like to forget years like 2008, when the S&P was down 37% for the year, but down more than 50% from the market’s peak in October of 2007 to its bottom in March of 2009.  The thing about market losses is they don’t play fair, and can be detrimental to your financial success.  Suffer a 50% loss to your portfolio and simple math would indicate a 50% gain the next year would have you back at breakeven right?  Dead Wrong!  While “-50” plus “50” gets you back to breakeven mathematically speaking, when dealing with your wealth, a 50% loss in your portfolio will necessitate a 100% gain just to get back to breakeven.  And, if the markets only average about 10% per year, then not taking compound interest into consideration, you’d be looking at about 10 years just to be back at breakeven.
  • Minimize Taxes – At the end of 2012, the highest marginal tax rate was 35%.  In 2013, the highest marginal tax rate jumped to 39.6%.  In 2014, the highest marginal tax rate jumps up approximately another 5% when taking into consideration increases in Medicare taxes and the Medicare surtax on unearned income.  In case you hadn’t figured out which way taxes are trending, they are headed up.  Historically speaking, we are at some of the lowest levels of taxation we’ve seen in decades, even if the highest marginal tax rate in 2014 is 45%.  In the 1970’s it was 70% and it’s been as high as 94% in the 1940’s.  So, if you’ve got all of your money sitting in tax-deferred vehicles like 401K’s, then you’ve been deferring money to a time in the future when taxes are most likely going to be higher..much higher than they were when you took a deduction on your tax return.  Even if you don’t believe taxes will be higher in the future, the prudent thing would be to have some of your money in tax-deferred and some in tax-free vehicles while working towards your financial success.  A 50/50 split would certainly be prudent.  That way, regardless of what they do in Washington, you can enjoy portions of your retirement income tax free.
  • Keep Inflation in check – Our government would like to have us believe inflation is around 3% to 4%.  Several independent studies question the validity of those numbers and point to something closer to 6% to 7% as real inflation.  Then you’ve got your real life experience to point to when you look at the increases in the cost of milk at the grocery store or gas for your vehicle.  While this isn’t the forum to debate what true inflation is, we know it will certainly rise from here thanks to all of that money our government has been printing.  Using the rule of 72, if real inflation is at 6%, then that means the purchasing power of your money cuts in half every 12 years.  Exactly how does this effect your financial success? Let’s say you’re 41 years old with intentions of retiring on $80,000 a year at 65.  At your age 53, $80,000 will only purchase $40,000 worth of goods and services.  At 65 when you retire, $80,000 today will only purchase $20,000 worth of goods and services.  What this means is however you manage your investments, you must do so in a manner that consistently outpaces inflation…not barely keeps up with it….that is, if you want to retire comfortably, and achieve financial success.
  • Eliminate Bad Debt – Compound interest has been dubbed the 8th wonder of the world.  Reason being, when it’s working on your side, and actually helping you grow wealth over the long term, it simply works financial wonder.  However, when you are sitting on the wrong side of the fence of compound interest, as may be the case of the poor chap who continues to pay minimum payments on store charge cards and other consumer debts, it’s the modern day example of slavery….financial slavery.  Paying 18% interest on $30,000 of credit card debt means you’ll pay $162,000 in interest over 30 years.  When the bank reinvests that same amount at 18%, they end up with $6,446,380 in 30 years.  Had you avoided all of that interest and instead invested that same amount at 10%, you’d have $1,025,696 in 30 years.  It’s been said that the borrower is servant to the lender.  I think this paints a very clear picture of that.

To achieve financial success in 2014 and the years to come, make every stride possible to embrace these four financial resolutions and you’ll achieve the financial success you desire.


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