Life Changing Wealth, By James D Baldwin

Does it matter where you put your bonds?

Tax location is a useful concept to understand. It pays off in two situations. Here’s how to tell if you’re in one.

Sep 27 • James D Baldwin

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Is your 401(k) big enough to cause an RMD problem yet?

The math behind the RMD tax bomb - what’s hype and what’s real.

Sep 13 • James D Baldwin

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August 2026

Where good portfolios still leak money without realizing it.

A strong income can easily mask structural financial flaws. Based on real portfolio reviews, these are the six biggest places successful people are…

Aug 29 • James D Baldwin

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Should you invest in high-growth ETFs?

A wealth-building framework for evaluating tech, crypto, and leveraged bets against broad index funds.

Aug 15 • James D Baldwin

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After Six Months of Learning to See Clearly, Here's How Markets Actually Work

July's curated digest or seven months in: Stop chasing, start building. Buffett principles, behavioral traps, tokenization reality, and the structural…

Published on Wealth GPS • Aug 1

July 2026

Ignore the influencers: index vs. income strategies after tax

A breakdown of dividend and covered call ETFs vs. index funds, compared on after-tax returns.

Jul 18 • James D Baldwin

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How to build real wealth: Master the 5 jobs of money

Most people obsess over one. You need all five to win.

Jul 5 • James D Baldwin

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June 2026

Three alternatives to cash for your house fund. The real rewards and risks.

Cash lost real value in 45% of 3-year stretches. Here's what to do instead.

Jun 20 • James D Baldwin

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Most high earners park cash in the wrong place.

The highest-yield account is rarely the most after-tax yield. Here's the real rankings, by bracket.

Jun 7 • James D Baldwin

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May 2026

I've tried 50+ money tools. You need about 5.

Cash, housing, investing, social security, and retirement. My favorite tools for each.

May 24 • James D Baldwin

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How much you need to retire. Finally a simple answer.

Figure out the one number you need to be financially independent. It takes less than 1 minute.

May 9 • James D Baldwin

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April 2026

How to dodge more taxes with a Traditional 401k.

The wrong choices could be costing you tens of thousands+. (Calculator included)

Apr 25 • James D Baldwin

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