@karlfisch

I teach students. Learner: https://xitter.cf/t.co/qGJTbArKqc; Financial: Colorado Educators https://xitter.cf/t.co/ixKGEILa8p, Classes https://xitter.cf/t.co/JGvnc4mKIG, Books https://xitter.cf/t.co/EDQQpe1UCv

 Colorado, USA
karlfisch.github.io/resume/index.html
Joined November 2007
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New Post: Financial Wisdom from Stuart on The Diplomat fischfinancial.org/2026/10/1…
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New Post: How We Automatically Save 11% On Our Groceries fischfinancial.org/2026/10/1…

How We Automatically Save 11% On Our Groceries

It’s no secret that the cost of food has increased significantly in the past few years. And while purchasing food at the grocery store is still much, much (much!) less expensive than eating o…

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Colorado Folks, As always, you should vote based on your values and goals. For what it’s worth, here’s who/what I voted for. U.S. Senate: Hickenlooper CD4: Launcher Governor: Weiser Secretary of State: Gonzalez Treasurer: Bridges (AHS graduate!)
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Douglas County Question 200: Yes (3 to 5 commissioners) Douglas County Question 201: First Option (elected by district) Douglas County Ballot Question 1A: No Douglas County Ball Question 5A: Yes Front Range Passenger Rail District 7A: Yes
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Ahh, CD4 should be Laubacher (autocorrect got me).
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Seems like a good time to repost this. fischfinancial.org/2025/02/1…

The “Driving to a Cheaper Gas Station” Problem

A topic that sometimes comes up in my financial literacy class, as well as other financial discussions, is people who will drive across town to a gas station with cheaper gas prices. I want to be c…

fischfinancial.org
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New Post: ExempliFI Fall 2026 Conference: November 7, 2026 (Free!) fischfinancial.org/2026/09/1…
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New Post: Colorado Initiative 195: State Graduated Income Tax fischfinancial.org/2026/09/1…

Colorado Initiative 195: State Graduated Income Tax

Initiative 195 has made the Colorado ballot for November. If it passes, this would change Colorado’s state income tax from its current flat 4.4% to a graduated income tax (similar to how fede…

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1/2 Colorado Folks: Initiative 195 (graduated state income tax) has made the ballot. I'm in favor of this (although open to arguments against it). This story has a nice calculator that tells you your effective tax rate based on your income.
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2/2 TL;DR: If your taxable income is less than about $510,000, you will pay less if this passes than you do now. coloradosun.com/2026/09/01/c…

Colorado voters will be asked in November to amend state constitution, impose graduated income tax...

Initiative 195 will ask voters to raise Colorado’s flat 4.4% income tax rate on income earned by people and corporations that exceeds $500,000

coloradosun.com
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New Post: Five Fall Financial Moves for Educators (Zoom Presentation) fischfinancial.org/2026/08/1…

Five Fall Financial Moves for Educators (Zoom Presentation)

I will be offering a free presentation (via Zoom) on Tuesday, September 15th from 7:00 pm – 8:30 pm Mountain Time. I will present five financial “moves” that every educator can ma…

fischfinancial.org
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New Post: My Financial Literacy Reading List fischfinancial.org/2026/08/0…

My Financial Literacy Reading List

I sometimes get asked something along the lines of, “What book(s) should I read to learn more about financial topics?” Mainly to make my life easier by being able to send them this (but…

fischfinancial.org
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New Post: Pension FI(RE) fischfinancial.org/2026/08/0…

Pension FI(RE)

This blog has never been particularly focused on FIRE (Financial Independence Retire Early). Rather I’ve focused on the FI part (Financial Independence), as that’s useful and helpful to…

fischfinancial.org
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New Post: Colorado Promise Tuition Assistance fischfinancial.org/2026/07/2…

Colorado Promise Tuition Assistance

Someone reminded me the other day about Colorado Promise and I realized I’d never written about it. Most Coloradans are (hopefully) aware of the College Opportunity Fund, which pays a stipend…

fischfinancial.org
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New Post: Colorado’s Senior Property Tax Exemption fischfinancial.org/2026/07/1…

Colorado’s Senior Property Tax Exemption

Someone reminded me today about Colorado’s Senior Property Tax Exemption. While Colorado property taxes are actually relatively low, that doesn’t mean they are $0, so this is worth chec…

fischfinancial.org
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New Post: Finding The Money Documentary fischfinancial.org/2026/07/1…

Finding The Money Documentary

I watched the Finding The Money documentary last night. I recommend it for anyone who is curious about economics or simply how money works. While you may not agree with everything they say, I think…

fischfinancial.org
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New Post: 530A Accounts for Children Under Age 18 fischfinancial.org/2026/07/0…

530A Accounts for Children Under Age 18

The new 530A accounts (aka, “Trump” Accounts) are now live and you are able to contribute to them. (Theoretically available, at least, I don’t have a child under 18 to test it wit…

fischfinancial.org
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Karl Fisch retweeted
Matt Townsley@mctownsleyJun 28
Are you an Iowa public employee that has 60 minutes, $10, and a desire to learn more about IPERS, 403b, and personal finance? If so, we wrote this book for you. 👇 📘 amzn.to/4v6cSpY #iaedchat #ad #PersonaFinance #K12
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Thank you so much to @MullaneySeanW for his presentation at the ExempliFI Conference yesterday. He is so generous with his time and sharing his expertise. The conference evaluations are just starting to come in, but here are a few comments I’ve already received.
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“I also LOVED Sean’s presentation. I also read his book and I find the content super accessible—not something I would have said about taxes before the book!” "Thank you [Sean] for your expertise and wisdom and sharing it so generously with the FI community."
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