There are a lot of loud and strong opinions as to how to manage your personal finances and investments. You have personal finance influencer Suze Orman who clearly has something against buying lattes. CEO of Rithotlz Wealth Management Barry Ritholtz thinks her advice is nonsense, per his post Buy Yourself a F*^king Latte. I’ve heard … Continue reading What is a Correct Financial Decision?

There are a lot of people predicting lower future returns for the US stock market (S&P 500). We’ve had high valuations and low interest rates for years now. An expensive stock market leading to lower future returns can make intuitive sense. But with all the predictions and noise, investors need a rate of return to … Continue reading Future Stock Market Returns

Have you ever heard the stories of how milk was a nickel back in the day? Or salaries of $10,000 in 1975? We can thank inflation for the higher prices and wages we have today. We’ve experienced tame inflation during the past few decades, averaging about 2%. This is a far cry from the 70’s … Continue reading Why inflation is good

Oh, the America dream. Work hard, save up, and buy a house with the perfect white picket fence. Most people envision owning a home at some point in their life. There’s something to the intangible benefit of calling a place your own. It’s also a huge contributor to wealth for the average family. At the … Continue reading Rent vs. Buy – Things to Consider

It’s hard to ignore significant market drops when viewing charts of the stock market. The tech bubble’s 40% drop. The financial crisis’s 50% decline. COVID’s rapid 35% decline. My idealistic mind naturally wonders to the same thought as many others. What if I could sell right at the top, then buy near the bottom? This … Continue reading Why Market Timing is Bad

The first step towards being more financially independent is to reduce spending and save, which is usually the hardest part. But the next question is how to invest that money. By holding it in cash, inflation will eat away at the purchasing power. But riskier assets could be exposed during a down market. So how … Continue reading A Framework for Investing

Imagine making $40 million in one year. Would it be enough? Unfortunately for some, it’s never enough. Nicholas Cage made that amount yet found himself declaring bankruptcy, according to AARP. Was it an issue of not earning enough? Of course not! It was an issue of spending and increasing his lifestyle with the increasing income. … Continue reading Lavish Lifestyle to Financial Freedom

After taking the plunge, here it is, my first post! I’ve always liked the idea of starting a finance blog. My average week includes hours of reading, talking, and thinking about the topic, so I thought to myself “what not?” For simplicity, here are the five main reasons my original thought turned into the creation … Continue reading Why I Started a Finance Blog