The Ugly Truth About the Vending Machine Business

3 weeks ago

In the world of entrepreneurship, the vending machine business seems to be a lucrative venture that promises steady income with…

Pay Off Debt or Invest? One Number Decides It (And We Ignored It Anyway)

3 weeks ago

The debt-vs-invest decision comes down to comparing your interest rate to your expected return. Here is the rate math -…

Why the First $100,000 Takes 6 Years and the Third Takes 3

3 weeks ago

At $1,000 a month, the first $100k takes about 6.4 years, the second 4.2, the third 3.2. Here is the…

The $500 a Month That Replaced $150,000 of Portfolio (And What It Cost Me)

3 weeks ago

$500 a month of business cash flow does the same job as $150,000 invested at a 4% withdrawal rate. Here…

My Emergency Fund Earns Almost Nothing On Purpose. Here’s the Math I’m Fine With

3 weeks ago

Keeping $20,000 in savings instead of investing it costs me roughly $800 a year in expected return. Here is why…

A 40% Crash in Year 3 Costs You Almost Nothing. In Year 19 It Costs $116,000

3 weeks ago

I modeled the same 40% market crash at five different points in a 20-year plan. When it happens matters far…

Dollar-Cost Averaging, Honestly: It’s a Behavior Tool, Not a Math Edge

3 weeks ago

Dollar-cost averaging usually loses to investing a lump sum at once. It is still the right call for most of…

How Much Bitcoin Should You Own? The Sleep Test I Use

3 weeks ago

Bitcoin has repeatedly lost 70-80% of its value. Here is the sizing test I use to pick a percentage I…

Index Funds vs Individual Stocks: I Kept Score for Two Years

3 weeks ago

I picked individual stocks for two years and tracked every trade against a plain index fund. Here is what the…

How to Calculate Your Financial Freedom Number (Mine Got Smaller Twice)

3 weeks ago

Your financial freedom number is annual expenses times 25 - but two things shrink it fast. Here is the actual…

This website uses cookies.