Annuities vs Index Funds for Retirement: What Most Financial Advisors Won’t Tell You
Learn about annuities vs index funds. Discover the hidden trade-offs, fees, and risks advisors rarely mention before you lock in your retirement strategy.
Sung-Jin Yoo
Nobody told Sung-Jin Yoo that starting a retirement newsletter at 26 while paying off student loans was a bad idea — or if they did, he ignored them. His self-built research practice, documented since 2021 in the newsletter *Deferred No More*, leans heavily on primary sources: actuarial tables, IRS notices, and peer-reviewed behavioral finance studies, all footnoted because he believes readers deserve to verify claims themselves. He hosts *The Long Horizon Podcast* (under 10k subscribers, proudly), where he interviews researchers and retirees who challenge the conventional wisdom that young people can afford to wait.
How to Open a Roth IRA for the First Time: A Beginner’s Step-by-Step Guide
Learn how to open a Roth IRA for the first time. Follow our beginner-friendly steps to choose a provider, fund your account, and start growing tax-free wealth.