Friday Financial Foul Ups: How Financial Knowledge Can Hurt

This week’s Friday Financial Foul Up will feature a submission from Shawanda of You Have More Than You Think.  Shawanda is one of our fellow DC Bloggers and was one of the first bloggers I met in person.  I really respect her opinions and her writing.  Shawanda is a CPA (so she really does have finance experience) and practices extreme frugality (not as cool as extreme sports!).  If you want more of Shawanda you can follow her on twitter (@theycallmecheap).  Enjoy her foul up of KNOWING what to do and NOT following through on that knowledge!

If you would like to add your own financial foul up to this series, please contact me here.
_________

My first personal finance book was The Wall Street Journal Guide to Planning Your Financial Future. It was given to me as a high school graduation gift by one of my closest friends. I’ve been smitten with the subject matter ever since.

Now, I’m no expert, but I do know a thing or two about money.  As we all know, and so easily forget, knowing is only half the battle.

The Situation

When I began my professional career in August 2004, I was far more well equipped with financial wealth building information than your average 22 year old. I knew the value in diversification, passive income, tax deferment, and, most important, compound interest.

In order to comfortably retire, I figured I should invest at least 12% of my annual income. I didn’t arrive at that percentage as a result of some complicated, scientific calculation. David Bach, in his book Smart Women Finish Rich, said it was a good idea so I went with it.

When it comes to retirement planning, you won’t get very far in Money Management 101 without learning the hierarchy of proper cash allocation.

  1. Invest in your 401(k) up to the maximum your employer will match. At the time, the company I worked for offered a pitiful 25% match on up to 6% of my salary. Although measly, it’s 3 times more than a reasonable return on a balanced portfolio.
  2. If you qualify, max out a Roth IRA. You fund a Roth IRA with after-tax dollars so you don’t have to worry about paying inflated tax rates later when you’re, you know, rich. In 2010, the most you can contribute to an IRA is $5,000 if you’re under 50 years old and $6,000 if you’re 50 or older.
  3. Max out your 401(k). Although there is such a thing as a Roth 401(k), many companies only offer the traditional version which is still good. Funding one adds tax diversification to your portfolio. Plus, you can contribute up to $16,500 in 2010 to a 401(k) if you’re under 50 years old and up to $22,000 if you’re 50 or older.

If at any point during this three step process I hit 12% of my annual income, I stop investing.

That’s great stuff, right?

Where I Fouled Up

I knew exactly what to do. So, here’s what I did:

  1. I invested 6% of my salary in my 401(k). Remember that’s the most my employer matched.
  2. I didn’t save an additional dime and spent the money I should’ve invested in a Roth IRA on clothes, shoes, eating out, and other foolishness for two straight years.

Once the extra cash landed in my paycheck, all that financial prowess went out the window. Besides laziness and lack of self control, I really can’t think of any other reasons I only contributed 50% of what I originally planned to my retirement accounts. I know opening an IRA is really easy. It’s still fresh in my memory, because I just opened my first Roth IRA last month, in January 2010.

If I knew then what I know now, I would’ve contributed the entire 12% to my 401(k). Maybe it’s not the best strategy, but it sure beats the one I implemented.

What I Learned

Even as a child, I understood the differences between knowing, saying, and doing. All that information didn’t stop me from sitting on my butt and not doing what I knew I should’ve done.

At this point in my financial journey, I don’t even attempt to do what will yield me the greatest overall return. I simply focus on what I’m likely to do.

Recently, I realized I probably won’t get around to doing the proper research required to create an optimal investment portfolio anytime soon. Instead, I set aside a chunk of money and immediately invested it in low expense, commission-free, ETFs (Exchange Traded Funds) from Charles Schwab.

Surely I can do better, but you know what?

I’m not even gonna try.

———-

Do you like this series? Check Out The Previous Foul Ups:

Foul Up #19 – Christine (Money Funk) – Love Can Hurt Your Financial Situation
Foul Up #18 – Clayton (Just Good Financial Advice) – Trying to Get Rich Quick
Foul Up #17 – Craig (Budget Pulse) – Black Friday Purchase Becomes a Dust Collector
Foul Up #16 – Jesse (PF Firewall) – The Fine Print of Rental Properties
Foul Up #15 – Paul (Fiscal Geek) – Unsuccessfully Restoring American Muscle
Foul Up #14 – Mrs. Micah (Mrs. Micah – Finance For a Freelance Life) – How Getting Married Wrecked My Finances
Foul Up #13 – Evan (My Journey To Millions) – Speeding Up Payments on Loan Interest, Not Principal
Foul Up #12 – Elle (Couple Money) – Stretching Yourself to have a Comparable Car to Your Friends
Foul Up #11 – Revanche (A Gai Shan Life) – Sibling Bailouts Cost More than Just Money
Foul Up #10 – Brad (Enemy Of Debt) – There’s Nothing Interesting About Interest-Only Loans
Foul Up #9 – Jason (Redeeming Riches) – Buying a Car with a Balloon Payment at the End
Foul Up #8 – David (Money Under 30) – Being Too Eager to “Move Out” and “Move Up”
Foul Up #7 – Matt (Debt Free Adventure) – Upside Down and Paying The Price
Foul Up #6 – Brian (MyNextBuck) – Overdue Books Prevent Me From Renting an Apt
Foul Up #5 – Kelly Whalen (The Centsible Life) – Poorly Planned Vehicle Purchase Costs $24,000
Foul Up #4 – Stephanie (Poorer Than You) – Signed My Life Away at Age 17
Foul Up #3 – Deliver Away Debt – How I Wasted Over $10K and 11 Months
Foul Up #2 – Brian (MyNextBuck) – Quick Fixes to Weight Loss
Foul Up #1 – Brian (MyNextBuck) – How I Didn’t Earn $3000 in Free Money

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Friday Financial Foul Ups: How Financial Knowledge Can Hurt

This week’s Friday Financial Foul Up will feature a submission from Shawanda of You Have More Than You Think.  Shawanda is one of our fellow DC Bloggers and was one of the first bloggers I met in person.  I really respect her opinions and her writing.  Shawanda is a CPA (so she really does have finance experience) and practices extreme frugality (not as cool as extreme sports!).  If you want more of Shawanda you can follow her on twitter (@theycallmecheap).  Enjoy her foul up of KNOWING what to do and NOT following through on that knowledge!

If you would like to add your own financial foul up to this series, please contact me here.
_________

My first personal finance book was The Wall Street Journal Guide to Planning Your Financial Future. It was given to me as a high school graduation gift by one of my closest friends. I’ve been smitten with the subject matter ever since.

Now, I’m no expert, but I do know a thing or two about money.  As we all know, and so easily forget, knowing is only half the battle.

The Situation

When I began my professional career in August 2004, I was far more well equipped with financial wealth building information than your average 22 year old. I knew the value in diversification, passive income, tax deferment, and, most important, compound interest.

In order to comfortably retire, I figured I should invest at least 12% of my annual income. I didn’t arrive at that percentage as a result of some complicated, scientific calculation. David Bach, in his book Smart Women Finish Rich, said it was a good idea so I went with it.

When it comes to retirement planning, you won’t get very far in Money Management 101 without learning the hierarchy of proper cash allocation.

  1. Invest in your 401(k) up to the maximum your employer will match. At the time, the company I worked for offered a pitiful 25% match on up to 6% of my salary. Although measly, it’s 3 times more than a reasonable return on a balanced portfolio.
  2. If you qualify, max out a Roth IRA. You fund a Roth IRA with after-tax dollars so you don’t have to worry about paying inflated tax rates later when you’re, you know, rich. In 2010, the most you can contribute to an IRA is $5,000 if you’re under 50 years old and $6,000 if you’re 50 or older.
  3. Max out your 401(k). Although there is such a thing as a Roth 401(k), many companies only offer the traditional version which is still good. Funding one adds tax diversification to your portfolio. Plus, you can contribute up to $16,500 in 2010 to a 401(k) if you’re under 50 years old and up to $22,000 if you’re 50 or older.

If at any point during this three step process I hit 12% of my annual income, I stop investing.

That’s great stuff, right?

Where I Fouled Up

I knew exactly what to do. So, here’s what I did:

  1. I invested 6% of my salary in my 401(k). Remember that’s the most my employer matched.
  2. I didn’t save an additional dime and spent the money I should’ve invested in a Roth IRA on clothes, shoes, eating out, and other foolishness for two straight years.

Once the extra cash landed in my paycheck, all that financial prowess went out the window. Besides laziness and lack of self control, I really can’t think of any other reasons I only contributed 50% of what I originally planned to my retirement accounts. I know opening an IRA is really easy. It’s still fresh in my memory, because I just opened my first Roth IRA last month, in January 2010.

If I knew then what I know now, I would’ve contributed the entire 12% to my 401(k). Maybe it’s not the best strategy, but it sure beats the one I implemented.

What I Learned

Even as a child, I understood the differences between knowing, saying, and doing. All that information didn’t stop me from sitting on my butt and not doing what I knew I should’ve done.

At this point in my financial journey, I don’t even attempt to do what will yield me the greatest overall return. I simply focus on what I’m likely to do.

Recently, I realized I probably won’t get around to doing the proper research required to create an optimal investment portfolio anytime soon. Instead, I set aside a chunk of money and immediately invested it in low expense, commission-free, ETFs (Exchange Traded Funds) from Charles Schwab.

Surely I can do better, but you know what?

I’m not even gonna try.

———-

Do you like this series? Check Out The Previous Foul Ups:

Foul Up #19 – Christine (Money Funk) – Love Can Hurt Your Financial Situation
Foul Up #18 – Clayton (Just Good Financial Advice) – Trying to Get Rich Quick
Foul Up #17 – Craig (Budget Pulse) – Black Friday Purchase Becomes a Dust Collector
Foul Up #16 – Jesse (PF Firewall) – The Fine Print of Rental Properties
Foul Up #15 – Paul (Fiscal Geek) – Unsuccessfully Restoring American Muscle
Foul Up #14 – Mrs. Micah (Mrs. Micah – Finance For a Freelance Life) – How Getting Married Wrecked My Finances
Foul Up #13 – Evan (My Journey To Millions) – Speeding Up Payments on Loan Interest, Not Principal
Foul Up #12 – Elle (Couple Money) – Stretching Yourself to have a Comparable Car to Your Friends
Foul Up #11 – Revanche (A Gai Shan Life) – Sibling Bailouts Cost More than Just Money
Foul Up #10 – Brad (Enemy Of Debt) – There’s Nothing Interesting About Interest-Only Loans
Foul Up #9 – Jason (Redeeming Riches) – Buying a Car with a Balloon Payment at the End
Foul Up #8 – David (Money Under 30) – Being Too Eager to “Move Out” and “Move Up”
Foul Up #7 – Matt (Debt Free Adventure) – Upside Down and Paying The Price
Foul Up #6 – Brian (MyNextBuck) – Overdue Books Prevent Me From Renting an Apt
Foul Up #5 – Kelly Whalen (The Centsible Life) – Poorly Planned Vehicle Purchase Costs $24,000
Foul Up #4 – Stephanie (Poorer Than You) – Signed My Life Away at Age 17
Foul Up #3 – Deliver Away Debt – How I Wasted Over $10K and 11 Months
Foul Up #2 – Brian (MyNextBuck) – Quick Fixes to Weight Loss
Foul Up #1 – Brian (MyNextBuck) – How I Didn’t Earn $3000 in Free Money

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