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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

Is now the time to go long in bonds?

7 replies

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

Ever heard Down the Middle?

5 replies

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

Should all Americans pay federal income tax?

27 replies

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

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

  • Still sounds like a great deal to me.

    Post: THE REAL RETURN ON DELAYING SOCIAL SECURITY

    Link to comment from November 13, 2025

  • Per CoPilot, 30 U.S. States now mandate financial education in high school or before. Frankly, I don't think it will help much, sadly.

    Post: Financial Education in Middle and High School

    Link to comment from October 24, 2025

  • You said, "Less than 10% of America will wait until age 70 – generally out of necessity." I think it's almost exactly the opposite reason. The 10% of Americans waiting until 70 are probably the least likely to need the money. They just want the most they can get and because they don't need the SS, they can wait and get a guaranteed 8% return.

    Post: Social Security subject beaten to death, but one more time please

    Link to comment from October 24, 2025

  • Randy and Joe, both fair points. My suspicion is all of the products are imperfect in probably multiple ways. I don't know why this is so hard. Also, to boot, using a CPA was no easier. We found many errors and a lot of lack of attention to detail. I get that for us we weren't a huge client, but gosh the average taxpayer can't catch a break.

    Post: Heads-up for TurboTax Desktop Users (& 2025 Tax Planning)

    Link to comment from October 24, 2025

  • We were long time H&R Block users (used to be called Tax Cut, which is a great name in my opinion). We switched to TurboTax once. It did not go well. We're back to H&R Block and happy.

    Post: Heads-up for TurboTax Desktop Users (& 2025 Tax Planning)

    Link to comment from October 23, 2025

  • Yeah, but the flip side of that is you buy the groceries at Noon, but you don't find out how much you paid for them until 4:30.

    Post: Mutual Funds Vs. ETFs Which do you prefer and Why?

    Link to comment from October 23, 2025

  • Several years ago, when we started doing substantial investments in our taxable brokerage, I was faced with the decision of MFs or ETFs. I had never invested in ETFs before. On the Vanguard website I looked into both, and I wanted to do ETFs, but in the end the bid/ask situation spooked me, so I chickened out and went with MFs which I was familiar with and straightforward. Now a few years on, and seeing the prevalence and other advantages of ETFs, I sort of regret it and would recommend ETFs to people. But there's nothing wrong with mutual funds. I just think it's clear that ETFs are the future.

    Post: Mutual Funds Vs. ETFs Which do you prefer and Why?

    Link to comment from October 23, 2025

  • What industry or line of work?

    Post: “Hi ho, hi ho, it’s off to work we go.”

    Link to comment from October 23, 2025

  • I love it. Sounds like you know what you're doing and what is best for you.

    Post: Waiting Until We Turn 70

    Link to comment from October 23, 2025

  • I don't know everything, but I do run in religious circles. I've never once heard of a religious person getting to retirement or the end of their lives and blaming tithing for not having enough money. Have you? It's possible that it's a correlation issue. I.e. the kind of person who would faithfully give 10% during their working years is also likely the kind of person who would faithfully save for retirement. It's also possible that the biblical promise about tithing is true.

    Post: Tithing is a mistake … for some people. 

    Link to comment from October 20, 2025

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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