Wednesdays are all about personal finance here at Abnormal Returns. You can check out last week’s links including a look at thing to do money-wise if you have a baby on the way.
Quote of the Day
"Focus on what matters most and adjust your life and finances accordingly."
(Jacob Schroeder)
Chart of the Day

What the ‘Swiss cheese model’ can teach us about life and pandemic.
Taxes
- Effective and marginal tax rates measure two different things for planning purposes. (obliviousinvestor.com)
- How working in a different state in 2020 could mess with your tax bill. (wsj.com)
- How Las Vegas Raiders players are benefiting, tax-wise, from the move to Nevada. (sportico.com)
- Four tax tips for retirees. (mullooly.net)
Advisers
- What is it like to work with a financial adviser? (thomaskopelman.com)
- Why women often feel like they are shortchanged by traditional financial advice. (barrons.com)
- Why more advisers are turning to outsourced model portfolios for clients. (wsj.com)
- Not every financial question has a definitive answer. (humbledollar.com)
Direct indexing
- If you have a substantial amount of assets in a taxable account, direct indexing may be for you. (nytimes.com)
- Direct index is all about customizing your portfolio for your particular needs. (canvas.osam.com)
Consumer finance
- Credit card companies are boosting incentives to keep travel rewards card holders on board. (wsj.com)
- Complicated consumer lending agreements are a feature, not a bug. (tonyisola.com)
Outsourcing
- How outsourcing can help you maximize your time doing things you love. (awealthofcommonsense.com)
- One of the best ways to increase happiness is to buy yourself more time. (msn.com)
Personal finance
- Five lessons from three years of early retirement including "Your priorities won't magically change." (caniretireyet.com)
- It's hard to make progress on the money front without a growth mindset. (kiplinger.com)
- Effective advice when it comes to saving for retirement need not be boring. (awealthofcommonsense.com)
- Why you need to be open to new possibilities: the case of a timely house sale. (humbledollar.com)
- More companies are turning their 401(k) account matching programs back on. (wsj.com)
- In 2020 direct cash transfers grew in importance for charitable giving. (vox.com)
- How to save money on streaming video services. (humbledollar.com)