Keeping $20,000 in savings instead of investing it costs me roughly $800 a year in expected return. Here is why I pay that premium and how I size the fund.

I modeled the same 40% market crash at five different points in a 20-year plan. When it happens matters far more than whether it happens. Here are the numbers.

Dollar-cost averaging usually loses to investing a lump sum at once. It is still the right call for most of us – here is the honest reason why, with numbers.

Bitcoin has repeatedly lost 70-80% of its value. Here is the sizing test I use to pick a percentage I can hold through that without wrecking my plan.

I picked individual stocks for two years and tracked every trade against a plain index fund. Here is what the scoreboard said and what I do now instead.

Your financial freedom number is annual expenses times 25 – but two things shrink it fast. Here is the actual math, the caveats, and how I cut mine twice.

I ran the compound growth math on $500 a month at every stage. The third decade does more work than the first two combined – here are the actual numbers.

Is the vending machine business worth it? After more than a year running one, here’s my honest take on the appeal, the work, and the payoff.