Money

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

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

3 weeks ago

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

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

3 weeks ago

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

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

3 weeks ago

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

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

3 weeks ago

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

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

3 weeks ago

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

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

3 weeks ago

Compound Interest Is Boring Until You Actually Run the Numbers

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

3 weeks ago

Is The Vending Machine Business Worth It?

Is the vending machine business worth it? After more than a year running one, here's my honest take on the…

3 weeks ago

How We Eliminated $62,000 in Debt In a Year – Our Debt Free Journey

How we eliminated $62,000 in debt in a year: our real debt-free journey, the money rules we followed, and what…

4 weeks ago

How To Develop Personal Development Skills

Use These Personal Development Skills to Skyrocket Your Growth Photo by Diego PH on Unsplash Personal development skills involve the ability to…

4 weeks ago

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