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<rss version="2.0"><channel><title>GetRicherTogether</title><link>https://getrichertogether.com/</link><description>Evidence based money, for a richer life</description><language>en-us</language><item><title>Buy back your time</title><link>https://getrichertogether.com/buy-back-your-time.html</link><guid>https://getrichertogether.com/buy-back-your-time.html</guid><pubDate>Fri, 09 Oct 2026 08:00:00 +0000</pubDate><category>Life beyond money</category><description>Research on money and happiness keeps finding the same thing. Spending on time and experiences does more for you than spending on things.</description><enclosure url="https://getrichertogether.com/assets/photos/buy-back-your-time.jpg" type="image/jpeg" length="0"/></item><item><title>The 4 percent rule, and what it really says</title><link>https://getrichertogether.com/the-4-percent-rule.html</link><guid>https://getrichertogether.com/the-4-percent-rule.html</guid><pubDate>Thu, 08 Oct 2026 08:00:00 +0000</pubDate><category>Research</category><description>Multiply your yearly spending by 25 and you have a first estimate of your freedom number. Here is where the rule came from, and its limits.</description><enclosure url="https://getrichertogether.com/assets/photos/the-4-percent-rule.jpg" type="image/jpeg" length="0"/></item><item><title>The HSA: the only triple tax break in the code</title><link>https://getrichertogether.com/the-hsa.html</link><guid>https://getrichertogether.com/the-hsa.html</guid><pubDate>Wed, 07 Oct 2026 08:00:00 +0000</pubDate><category>Taxes</category><description>A health savings account is deductible going in, grows without tax and comes out tax free for medical costs. No other account does all three.</description><enclosure url="https://getrichertogether.com/assets/photos/the-hsa.jpg" type="image/jpeg" length="0"/></item><item><title>Avalanche or snowball: paying off credit cards</title><link>https://getrichertogether.com/avalanche-or-snowball.html</link><guid>https://getrichertogether.com/avalanche-or-snowball.html</guid><pubDate>Tue, 06 Oct 2026 08:00:00 +0000</pubDate><category>Money Path</category><description>Two methods, one goal. The avalanche saves the most interest. The snowball gives you a win sooner. Pick the one you will finish.</description><enclosure url="https://getrichertogether.com/assets/photos/avalanche-or-snowball.jpg" type="image/jpeg" length="0"/></item><item><title>Lump sum or a little each month?</title><link>https://getrichertogether.com/lump-sum-or-monthly.html</link><guid>https://getrichertogether.com/lump-sum-or-monthly.html</guid><pubDate>Mon, 05 Oct 2026 08:00:00 +0000</pubDate><category>Research</category><description>You have a large sum to invest. History says put it all in now. Your nerves may say otherwise, and your nerves matter too.</description><enclosure url="https://getrichertogether.com/assets/photos/lump-sum-or-monthly.jpg" type="image/jpeg" length="0"/></item><item><title>The three fund portfolio</title><link>https://getrichertogether.com/three-fund-portfolio.html</link><guid>https://getrichertogether.com/three-fund-portfolio.html</guid><pubDate>Sun, 04 Oct 2026 08:00:00 +0000</pubDate><category>Invest</category><description>Three cheap index funds hold almost every public company and bond you could buy. For most people, that is the whole portfolio.</description><enclosure url="https://getrichertogether.com/assets/photos/three-fund-portfolio.jpg" type="image/jpeg" length="0"/></item><item><title>Roth or traditional: pay the tax when it is lowest</title><link>https://getrichertogether.com/roth-or-traditional.html</link><guid>https://getrichertogether.com/roth-or-traditional.html</guid><pubDate>Sat, 03 Oct 2026 08:00:00 +0000</pubDate><category>Taxes</category><description>The choice between a Roth and a traditional account comes down to one question. Is your tax rate higher now, or will it be higher when you take the money out?</description><enclosure url="https://getrichertogether.com/assets/photos/roth-or-traditional.jpg" type="image/jpeg" length="0"/></item><item><title>The 401(k) match is the best return you will ever get</title><link>https://getrichertogether.com/the-401k-match.html</link><guid>https://getrichertogether.com/the-401k-match.html</guid><pubDate>Fri, 02 Oct 2026 08:00:00 +0000</pubDate><category>Invest</category><description>An employer match turns every dollar you put in into a dollar and a half, or two, on day one. No fund in the world beats that.</description><enclosure url="https://getrichertogether.com/assets/photos/the-401k-match.jpg" type="image/jpeg" length="0"/></item><item><title>Build your runway before you invest a dollar</title><link>https://getrichertogether.com/build-your-runway.html</link><guid>https://getrichertogether.com/build-your-runway.html</guid><pubDate>Thu, 01 Oct 2026 08:00:00 +0000</pubDate><category>Money Path</category><description>Three to six months of expenses in plain cash sounds dull. It is the thing that lets every other part of your plan survive a bad year.</description><enclosure url="https://getrichertogether.com/assets/photos/build-your-runway.jpg" type="image/jpeg" length="0"/></item></channel></rss>
