Rebalancing Without Obsessing: When and How
Rebalancing is risk control, not a return strategy. Bands, calendars, and the cash-flow method that rebalances without selling anything.
investing
Your First Brokerage Account: The Setup Nobody Explains
Which account to open, the four settings that matter (DRIP, cost basis, sweep, cash vs margin), and how to survive the first purchase. Beginner-safe.
The Psychology of Selling in a Crash (And Why Pre-Commitment Wins)
Why losses hurt twice as much and best days cluster near worst days — plus the pre-commitment devices (automation, an IPS, delay rules) that beat courage.
Robo-Advisors vs DIY Index Investing: What the Automation Is Worth
The full fee stack compared, a 20-year $100k cost illustration you can verify, what robos really sell, and when DIY’s zero fee is the wrong answer.
Should You Sell Investments to Pay Off the House?
Sell investments to pay off the house? The four factors that decide it — guaranteed rate, capital gains taxes, liquidity, and the sleep test — not a hot take.
Should You Invest While in Debt? The Number That Decides
The debt-vs-invest decision rule: a payoff is a guaranteed return of the APR. Includes the 5-8% threshold, the match exception, and a fill-in worksheet.
How to Read a Fund Prospectus (In 10 Minutes, Not 10 Hours)
The six prospectus lines that matter – expense ratio, holdings, benchmark, turnover, yield, risk – plus a ten-minute skim routine and red flags list.
Fundrise First Year: What Returns Look Like When They’re Not a Stock Chart
How non-traded real estate funds actually behave: smoothed valuations, redemption gates, the fee stack, and who should never buy illiquid assets.
Market Crashes: What Actually Happens to Your Money (Year by Year)
2008 fell 57% and took ~4 years to recover; 2020 fell 34% in five weeks. A year-by-year walk through crashes, sequence risk, and why selling locks the loss in.
Dollar-Cost Averaging a Lump Sum: The Spreadsheet Answer
Lump sum beats 12-month DCA roughly two-thirds of the time historically. Verified worked example, the regret asymmetry, and the hybrid rule I actually use.
