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

2 months 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)

2 months 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

2 months 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

2 months 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

2 months 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

2 months 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

2 months 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)

2 months ago

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

Compound Interest Is Boring Until You Actually Run the Numbers

2 months ago

I ran the compound growth math on $500 a month at every stage. The third decade does more work than…

When There’s a Gold Rush, Sell The Shovel

2 months ago

In the ever-changing landscape of business opportunities, it feels like there's a gold rush happening all around us. It's essential…

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