David Zachrich, CFP

10/07/2026

Check out this video on taxes.

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

10/05/2026

Use your car for business? Make sure you're on the same page as your insurance carrier.

At what point can you call a personal vehicle commercial?

09/30/2026

Looking for a quick read? Explore the role Money Market Funds may play in your portfolio thanks to this concise article.

09/28/2026

Marriage changes your financial life. This piece includes keys to preparing to grow wealthy together.

Keys to preparing to grow wealthy together.

09/28/2026

Anyone else raised to think money = stress?

Nobody taught us how to budget. They taught us to fear running out. Here's the truth: budgeting isn't about restriction.�It's about rewriting that story.

Try the 50/30/20 rule:�
50% needs�
30% wants�
20% savings & debt payoff

Simple math. Big impact.

09/26/2026

Following up on yesterday's post — let's break down Traditional vs. Roth.

🔵 Traditional: Pay taxes later (when you withdraw in retirement)
🟢 Roth: Pay taxes now (withdrawals in retirement are tax-free)

Neither is 'better' — it depends on your tax situation now vs. what you expect in retirement. But it's worth knowing which one you have!

Direct contributions to a Roth IRA may be withdrawn tax free at any time. Rollover contributions made before age 59½ and held in a Roth IRA may be withdrawn tax and penalty free after a five-year holding period. Earnings may be withdrawn tax and penalty free after the five-year holding period if the condition of age 59½ (or other qualifying condition) is also satisfied.

09/25/2026

No 401(k) at your job? You've still got options:

✅ Traditional or Roth IRA — You can open one on your own, no employer needed
✅ SEP IRA — Is also an option if you're self-employed or a freelancer
✅ Taxable brokerage account — flexible, though without the same tax perks

Retirement savings isn't just a '401(k) or nothing' situation.

09/25/2026

Starting your retirement savings can feel overwhelming — but it doesn't have to be. Swipe through for the basics every beginner should know, from employer matches to how often you actually need to check in.

You don't need to have it all figured out today. You just need to start.

Just opened your first 401(k)? Drop a 🎉 below!

09/23/2026

What did it take to become the richest man in Babylon?

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

09/22/2026

Before we talk numbers, let's talk purpose. Healthy money habits don't start with a budget app or a spreadsheet — they start with knowing your "why."

Why do you want to save?�Why does financial freedom matter to you?�Why are you doing this work in the first place?

Get clear on that, and the habits get so much easier to stick to.