Tobin Investment Planning LLC

10/09/2026

Help the next generation build financial confidence, discipline, and strong values. Explore practical strategies for teaching children and young adults about wealth

Help the next generation build financial confidence, discipline, and strong values. Explore practical strategies for teaching children and young adults about wealth

10/08/2026

Find your row first, then look one row up.

That's the difference starting 5 years earlier can make.

At a hypothetical 8% annual return, the difference between starting at 40 vs. 35 on a $500/month contribution is over $200,000 by the time you reach 65. Not because of more money—just more time.

Time in the market is not just valuable, it's the whole game.

Which row did you land on—and did it surprise you?

10/07/2026

This is a hypothetical example and is not representative of any specific investment or combination of investments. Illustration assumes Early Investor contributes $10,000 annually to a tax-deferred retirement account for ten years, while Late Investor waits than contributes $10,000 annually for thirty years. Both accounts earn a hypothetical 6 percent annual rate of return. Consider your ability to make contributions over time before committing to a long-term strategy.

The early investor put in $100,000.
The late investor put in $300,000.

They ended up with nearly the same amount.

Let that sink in.

Starting early didn't just save money—it saved $200,000 in contributions. Same destination, a third of the effort. That's not a financial trick. That's time doing what money alone never can.

If you've been waiting for the "right time" to start investing, this chart is your sign. Save this post and share it with someone who needs to see it.

10/06/2026

That yellow section? That's money you never saved, your money made it for you.

This is compound interest in action. Start with $1,000/year at a hypothetical 5 percent return, and by year 30, you've built nearly $70,000. But the real story is the yellow: Interest earning interest.

Year 1: almost no interest at all.
Year 30: the interest on your interest alone might cover a year of car payments (or more).

You don't need to invest more. You need to stay focused on your strategy.

10/05/2026

There's a crossover moment every long-term investor experiences, and it can change how you think about money forever.

It's the point at which your total investment earnings exceed your total contributions, meaning your portfolio is now doing more work than you ever did.

As this chart shows, it doesn't happen overnight. In year 5, earnings are barely visible. But by year 25, earnings have pulled ahead.

The most powerful financial decision you can make isn't picking the right investment. It's staying committed to your strategy long enough to reach that crossover.

Where are you on this chart?

09/27/2026

Help the next generation build financial confidence, discipline, and strong values. Explore practical strategies for teaching children and young adults about wealth

Financial boundaries with family and friends can be challenging. Learn practical strategies for lending money, managing shared expenses, setting gift expectations, and protecting your long-term financial goals.

09/20/2026

Open enrollment is an opportunity to align your health insurance coverage with your healthcare needs, tax strategy and long-term financial plan

Open enrollment is an opportunity to align your health insurance coverage with your healthcare needs, tax strategy and long-term financial plan

09/16/2026

Learn why good news does not always push stock prices higher, how market efficiency works, and why disciplined long-term investing matters.

Learn why good news does not always push stock prices higher, how market efficiency works, and why disciplined long-term investing matters.

09/08/2026

This guide explains key Medicare planning decisions for retirees and pre-retirees, including enrollment timing, late-enrollment penalties, Medicare Parts A, B, C, and D, Medigap coverage, Medicare Advantage, prescription drug costs, IRMAA surcharges, and the difference between Medicare and Medicaid. It emphasizes why Medicare should be coordinated with retirement income, tax planning, employer coverage, and long-term healthcare expenses before age 65.

Understand Medicare enrollment, coverage choices, Medigap, IRMAA, and healthcare costs so you can make informed retirement planning decisions before age 65.

08/31/2026

Learn how to distinguish strategic investing from speculation and gambling, and how aligning investment risk with your financial goals can help protect long-term wealth.

Learn how to distinguish strategic investing from speculation and gambling, and how aligning investment risk with your financial goals can help protect long-term wealth.