Polymathics Finance

Legacy Planning.

Polymathics Finance is a collection of blog entries that will attempt to demystify personal finance, and empower people who want to learn how to manage their money. We hope the content found on this site is useful to anyone attempting to learn about budgeting, investing, and personal finance as we attempt to share what we’ve learned (and continue to learn).

Latest Posts

401k Investing

Named after the tax code from which it derives, the 401(k) is an awesome tool by which to grow your investment portfolio. It’s a salary funded, tax deferred retirement plan sponsored by employers that allow employees to invest into the market. Non-profit employees know them as the 403(b), public sector employees know them as 457…

Mutual Funds & ETFs

Used interchangeably, Index Funds, Mutual Funds, and ETFs (exchanged traded funds) can be confusing for the new investor. They all provide instant diversification, packaged in such a way that allows you to access multiple stocks at the same time. They can be actively managed or they can track a preconfigured index. Actively managed ETFs or…

UTMA Custodial Accounts

I received the following message from my cousin a couple of days ago : [REDACTED] was gifted $100. Of course she doesn’t get the value. Instead of blowing it all on Barbie I was thinking about trying this whole investing thing. What would you recommend? The UGMA, or Uniform Gift to Minors Act, was passed…

Starting Your Investment Journey

When I first started investing with a brokerage, I had to pay for each trade ($5-$8 per trade, or something like that), but Robinhood came onto the scene and really impacted the industry by allowing free trading. This drove some of the larger, older brokerages to follow suit and cut fees as well which opened…


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