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Ben Rodriguez

Hi, I'm a lawyer licensed in Ohio and Kentucky, practicing real estate law in Cincinnati.  Since 2009, one of my favorite hobbies has been personal finance.  I listen to podcasts and read books and articles to quench my interest. Other than posting here, my lovely wife and two daughters keep me plenty happy and busy.  Check out my HD articles.

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Forum Posts

I got the call

12 replies

AUTHOR: Ben Rodriguez on 2/6/2026
FIRST: 1PF on 2/6   |   RECENT: Jeff Peck on 2/8

I accidently Coast FIRE'd. Can I stop saving?

6 replies

AUTHOR: Ben Rodriguez on 1/2/2026
FIRST: Mark Crothers on 1/2   |   RECENT: David Lancaster on 1/3

Can we be completely safe?

35 replies

AUTHOR: Ben Rodriguez on 12/17/2025
FIRST: bbbobbins on 12/17/2025   |   RECENT: Cammer Michael on 12/26/2025

Is now the time to go long in bonds?

7 replies

AUTHOR: Ben Rodriguez on 7/3/2025
FIRST: quan nguyen on 7/3/2025   |   RECENT: BMORE on 7/4/2025

Ever heard Down the Middle?

5 replies

AUTHOR: Ben Rodriguez on 7/1/2025
FIRST: Jonathan Clements on 7/1/2025   |   RECENT: Ben Rodriguez on 7/3/2025

Should all Americans pay federal income tax?

27 replies

AUTHOR: Ben Rodriguez on 3/17/2025
FIRST: R Quinn on 3/17/2025   |   RECENT: Liam K on 3/25/2025

The Long View Podcast: Jonathan Clements: 'Life Is Full of Small Pleasures'

9 replies

AUTHOR: Ben Rodriguez on 10/15/2024
FIRST: Jeffrey Rapp on 10/15/2024   |   RECENT: Jack Hannam on 10/16/2024

How and when did you find out about HumbleDollar?

15 replies

AUTHOR: Ben Rodriguez on 9/25/2024
FIRST: Ken Cutler on 9/25/2024   |   RECENT: 1PF on 9/26/2024

Did you retire in or around year 2000? If so, how's it going?

5 replies

AUTHOR: Ben Rodriguez on 6/20/2024
FIRST: Jonathan Clements on 6/21/2024   |   RECENT: Richard Hayman on 7/6/2024

Comments

  • How can you pay taxes into SS using a "false" SSN, but then not receive benefits under that same SSN? I think it's been conclusively demonstrated that the federal government doesn't know who is getting benefits. I don't believe that the SS Administration suddenly and magically figures out who is a citizen when it comes time to pay, but they were completely oblivious at the time of collecting the money.

    Post: What could save Social Security and Medicare or bring it closer to insolvency

    Link to comment from February 24, 2026

  • For parents (or grandparents) with means the Trump Accounts could be a huge wealth hack. Even if your (grand)kids aren't eligible for the free $1000, you can fund these accounts for minors up to $5000 per year. Then, when the kid turns 18 you convert to a Roth over one or more years using the child's standard deduction to shield any taxes owed on the growth. You've effectively seeded a Roth IRA of up to $90,000 (not including growth)--all without the child ever needing earned income (the usual Roth contribution requirement). That early Roth will grow handsomely by the time the kid reaches retirement age.

    Post: Trump Account

    Link to comment from February 21, 2026

  • I don't know if Ireland (right? or UK?) has a step-up in basis upon death like the U.S. has. But if so, at that small of a percentage of your world, it's not that crazy to hold individual stocks. You could gift low basis stock to charity or when you die your heirs get a step up in basis to clear all of those capital gains.

    Post: A Very Sensible Conclusion

    Link to comment from February 18, 2026

  • I've watched two long form interviews with him about this. Very intriguing. He says if it passed he'd withdraw his entire IRA immediately (because he doesn't trust the government not to change its mind). Not a bad idea. Difficult to imagine you or your heirs beating a 12% rate.

    Post: IRA Flat Tax Proposal

    Link to comment from February 18, 2026

  • The 0.9% tax on earned income above $250,000 called the "Additional Medicare Tax." Another kick in the pants that gets very little attention.

    Post: Yes, I am a NIIT wit

    Link to comment from February 12, 2026

  • EveryDollar budgeting software is free at Ramsey Solutions. Jump on there and see how it works. In the budget it has a line-item for savings. The savings is part of the budget (or can be). No hard and fast rules.

    Post: My toe in the water again – with hesitation.

    Link to comment from February 10, 2026

  • This is a welcome change. Looking forward to it.

    Post: 2026 Charitable Contributions

    Link to comment from February 9, 2026

  • Laugh all you want. They have people dedicated to constituency services. Especially if you're in a smaller state (maybe NM based on the above), you're more likely to get help with federal agencies.

    Post: Banking problem

    Link to comment from February 2, 2026

  • Contact your congressman and senators.

    Post: Banking problem

    Link to comment from February 2, 2026

  • Yup. I remember when it first came out. We were not close to making $250k. But we've been hit with this tax for about the last 10 years. It sucks.

    Post: Investments Tax

    Link to comment from January 31, 2026

Articles

Forget You

Ben Rodriguez   |  Dec 19, 2024

AT LEAST ONCE A YEAR, I watch the hilarious short YouTube clip by personal-finance author JL Collins. If you aren’t around small children and can handle liberal use of America’s favorite four-letter word, check it out. Some may recognize it as a parody of actor John Goodman’s soliloquy from the film The Gambler starring Mark Wahlberg.
The clip, however, is more than just entertaining. Its content is what keeps me and, judging from the half-million views,

Me and the Dow

Ben Rodriguez   |  May 31, 2024

WHEN I WROTE ABOUT the Dow Jones Industrial Average reaching 35,000 in 2021, it’ll surprise few to hear that I—like the stock market—was euphoric. I’ll confess that in 2022, as stocks plunged, I felt silly for having written the article.
But here I am again, writing about the latest milestone for our old friend. After flirting with the number in mid-March, the Dow hit an intraday high topping 40,000 on May 16 for the first time in its history.

No 401 Way

Ben Rodriguez   |  Sep 30, 2023

MY WIFE AND I ARE super-savers. For us, that means we save as much as permitted each year in the retirement plans available to us. Once we’ve done that, we invest in our regular taxable accounts, where there’s no limit on the amount we can contribute.
We’re under age 50. That meant that, in 2022, the maximum contribution was $6,000 each to our IRAs and $20,500 each to our 401(k)s. Because the contribution limits increase with inflation,

You Are Missed

Ben Rodriguez   |  Jan 4, 2023

IN FALL 2021, I WROTE about my father-in-law’s impending death due to cancer. He died a few months after publication. I had the honor of writing his obituary. Like my wife and her family, I have found myself wanting to call him many times since he died.
I was born in the early 1980s. That means that, until very recently, all I’ve known is a falling interest rate environment. People from my father-in-law’s generation knew environments like today—when interest rates and inflation rose together,

My Mentor

Ben Rodriguez   |  Oct 20, 2021

FOURTEEN YEARS AGO, my father-in-law was diagnosed with a blood cancer—multiple myeloma—and given five years to live. Ever since, he’s been battling it like a warrior. But he’s dying now, and he won’t be around much longer.
My father-in-law grew up without money to Depression-era parents. He earned his way into a prestigious college, and eventually received a PhD in chemical engineering. He had an impressive career as an engineer with a large chemical company in the Midwest.

How Do They Know?

Ben Rodriguez   |  Oct 7, 2021

ONE OF MY FAVORITE pastimes is listening to podcasts. I subscribe to about 20—half of them related to finance.
One series, produced by a large Wall Street investment house, features three-to-five-minute episodes. They’re usually about market trends or economic analysis. Truthfully, they aren’t among my favorite podcasts. But I like their short length when I don’t have time for a 30- or 60-minute episode.
On a recent podcast, listeners were told that the firm’s economists believe that U.S.

What’s Your Number?

Ben Rodriguez   |  Aug 3, 2021

MY WIFE AND I are aiming to retire in 10 or 15 years. With the Dow Jones Industrial Average close to 35,000, I can’t help but wonder: At what level for the Dow can we retire?
Yes, I know the Dow is a terrible index. But it’s also the one that’s most commonly mentioned in the media. I’ve followed it for most of my life, so I’m much more emotionally tied to it than the S&P 500 or any other index.

The Get Rich Fast

Ben Rodriguez   |  May 13, 2021

TWO YEARS AGO, I was 100 pounds overweight and constantly hungry. I had been overweight most of my life. But as a father of young kids, I was newly motivated to try to improve my life expectancy. I fortuitously discovered intermittent fasting and the low-carbohydrate way of eating, and instantly had success. Right away, I set an ambitious goal of losing the entire 100 pounds in one year. With a lot of hard work and dedication,

On the House

Ben Rodriguez   |  Mar 22, 2021

THIS IS THE STORY of how I thought I’d successfully timed the market—but didn’t.
I started investing in 2007, when the stock market peaked, which wasn’t great. But then came 2009 to 2019. Stocks enjoyed the longest and one of the strongest bull markets in history, averaging some 15% a year. Thanks to that great bull market, my wife and I found ourselves with more in our taxable mutual funds than we owed on our home mortgage.

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