A border region, two universities, a fleet of military spouses arriving from abroad and thousands of people rebuilding after a bad year: San Diego has more…
A side dollar is taxed at 30% to 40% for most San Diego households, and every legitimate expense, the home office and a solo 401(k) contribution…
Premiums in San Diego County rose 11.8% on Covered California in 2026 and are set to rise 13.1% in 2027. The households that come out ahead…
A San Diego teacher in a 2% annuity and a UC San Diego administrator in a 0.03% index fund can save the same amount for the…
The decision turns on one comparison: the combined tax rate you avoid today against the rate you will pay later. In San Diego the second term…
At the same rate, a Treasury bill beats a CD by about 13% after tax for a San Diegan in the 9.3% bracket, and is more…
A fixed cost cut once is cut every month. In a county where housing, SDG&E and two cars push fixed costs past 60% of take-home pay,…
Most American adults have had their Social Security number exposed more than once. The freeze that stops a thief from using it is free, takes half…
The HDHP wins the arithmetic for most healthy San Diego households, even after California taxes the HSA. It loses to a $0-deductible HMO in a baby…
The fund most San Diegans already own without choosing it. Picked well, it is a complete plan at 0.05% to 0.12%; picked by default in the…
Above $168,000 single or $252,000 married, the Roth IRA door is closed. The side door is a non-deductible IRA contribution converted a week later, and it…
Treasury interest is exempt from California income tax. Bank interest is not. For a household in the 9.3% bracket, that one line on the return makes…