The Finance Buff

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The Finance Buff avatar.

The Finance Buff a.k.a. TFB is a pseudonym used by a blogger who writes a blog by the same name at He has been sharing his thoughts and experience about personal finance with online readers since 2006. Today, more than 50,000 people visit his blog in any month.

TFB joined the Bogleheads Forum in 2007 as its 5th registered user. He is the author of the chapter on defined benefit pension plans in Bogleheads' Guide to Retirement Planning (John Wiley & Sons, 2009). He also regularly contributes to the forum and wiki.

TFB holds an MBA degree in Finance. He has a Certified Employee Benefits Specialist (CEBS) designation from the International Foundation of Employee Benefit Plans and the Wharton School of Business, University of Pennsylvania.


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TFB - The Finance Buff

Even if your plan does not allow in-service distributions, chances are you should still make non-Roth after-tax contributions. Just wait until you change jobs and roll them into a Roth IRA.
My interview on
If your 401k/403b plan cooperates, you can put up to additional $35,000 per year into your Roth IRA. Find out if you are lucky or not.
When your student is close to entering college or already in college, you can't take much risk in your 529 plan. Colorado's Stable Value Plus plan offers a great choice.
Why does Vanguard put people into 90% in stocks in the first 15 years in its target date funds? Is there a big difference between investing 90% in stocks and investing 100% in stocks?

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