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@mitchrad Very little usefulness if you have access to a 401k. Also if your income is low enough to make a deductible contribution to a tIRA you’re probably better off contributing to a Roth than a tIRA.

@johnchristianforum I was doing some portfolio calculations with mortality probabilities once. It was really depressing seeing just how often death well before the mean life expectancy occurs. I just stopped the entire exercise and decided to plan for the mean. If I die, everything will go to...

@petricia Money market funds are essentially very short term, very high credit end of the spectrum. Essentially cash savings account safety.

@petricia No. Those are distribution yields. Expenses are taken out of the price every day.

@valerie01 You can't just type that you're immortal...