My wife mentioned the other day the hard drive on her current MacBook Pro is so full that the laptop is starting to misbehave. I was reminded that with all the photos she takes, a replacement laptop with a larger hard drive will also require a larger price tag and could Santa help out? I barely use the thing, but after she mentioned her hard drive issues, I took a look at mine. Sure enough, I have less than 15% of hard drive space available. Since it spends 95% of the time stuffed into a desk drawer and only comes out once a week at most, I’m shocked how it filled up like that. But unlike her, I’m going to grin and bear the pain for a while before I as well employ Santa’s help. Help! Santa! Help!

We are an Apple family. It’s a funny thing, but when you get one of these products, before long you can’t imagine living without them. That’s the genius of Steve Jobs and Tim Cook I guess. Over the years we’ve had numerous iterations of iPods, watches, laptops, AirPods, and iPads; each of them incredibly useful in their day. In addition, there are the host of peripheral accessories: dongles, cords, cases, keyboards, pencils, charging mechanisms, external storage units and all the paid for apps and programs that go along with these devices. Most would agree, Apple products are well made and engineered, and that the Apple ecosystem is a beautiful thing. But when you start doing the math and amortize the cost of the upgrade cycle over the years, you realize they’ve got you hooked, and that Apple tax is now part of your life.

Why am I writing about this? Will the Fletchers change their Apple buying habits? Not a chance! I’m just trying to figure out a way to get a tax cut.

By Thomas Fletcher CFP® Chief Investment Officer Read More