2008 fell 57% and took ~4 years to recover; 2020 fell 34% in five weeks. A year-by-year walk through crashes,…
Lump sum beats 12-month DCA roughly two-thirds of the time historically. Verified worked example, the regret asymmetry, and the hybrid…
The first $100k is ~79% deposits - compounding barely helps early. Verified timeline table at five savings rates and the…
Three ways to own real estate without a tenant: public REITs, private platforms like Fundrise, or a managed rental. Honest…
An honest look at leaving the US — what we gained, what we gave up, and the questions to answer…
January 2024 financial freedom update: our income, investments, and the strategic moves we made this month on the road to…
Dividends aren't free money - prices drop on ex-dividend day. Honest math on yield vs total return, tax drag, and…
Target date funds handle rebalancing for near-zero fees, but the glide path is one-size. Honest pros and cons, plus a…
A 1% expense ratio vs 0.03% over 30 years is roughly a $181,000 gap on $100k. Verified fee math, how…
VOO vs VTI: the S&P 500 makes up roughly 80-85% of the total market fund. Real overlap math, honest tradeoffs,…
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