Scott Galloway shares in The Algebra of Wealth his thoughts on how to achieve financial security (be rich). You should read the entire thing, but the ingredients in his formula are Focus, Stoicism, Time, and Diversification. I'm only including a … [Read the rest]
Updated. There are many people who are eligible for 100% forgivable federal assistance from the Paycheck Protection Program, but aren't applying for it, either due to misinformation or being discourage by all the bureacracy. Many PPP loan … [Read the rest]
Giving to charity has the double taboo of being both about money and your generosity to others. Double the chance for judgment, at least! "And once again, tithing is 10 percent off the top, that's gross income, not net. Please people, don't force … [Read the rest]
Vanguard recently released a report on “How America Invests”, based on the 5 million households with Vanguard retail accounts (taxable and IRAs, not 401ks). It looked at investor behavior from 2015 through 2019, along with the first quarter of … [Read the rest]
Update 2021: I just renewed with Mint Mobile again. I'm still happy with the service, including the new faster 5G speeds and increased data limits (added automatically without raising the price). I now pay $20/month for 10 GB 5G/LTE data (up from 8 … [Read the rest]
I've invested over $50,000 of my "alternative" money into PeerStreet real estate notes because of the ability to diversify into 50+ different high-interest loans backed by physical real estate. Here is a case study of a $10 million mansion that … [Read the rest]
When talking about constructing an investment portfolio, you'll often hear about diversification and buying low-correlation or non-correlated assets. A positive correlation means that the assets tended to move in the same direction. A value of 1 … [Read the rest]
An under-the-radar loophole is now out in the open, thanks to fintech app Jiko* publishing a PR release bragging about their $4.7 million debit card charge, which led to Axios writing about it as quite likely the "largest consumer debit transaction … [Read the rest]
While my February 2021 portfolio is designed for total return, I also track the income produced. Stock dividends are the portion of profits that businesses have decided they don't need to reinvest into their business. The dividends may suffer some … [Read the rest]
A central idea here is skin in the game, showing what someone really does with their own money. Too often, what the "experts" tell you to do is quite different than what they own themselves. Here's my current portfolio as of February 2021, … [Read the rest]
Scott Jurek is a well-known ultramarathoner that I first learned about in the book Born to Run (my highlights) by Christopher McDougall. Jurek later wrote his own memoir, titled Eat and Run: My Unlikely Journey to Ultramarathon Greatness. I'll … [Read the rest]
I've mostly ignored the Gamestop noise as I didn't see any actionable takeaways, but then I saw this Reddit post conflating gambling winnings with paying off student loan debt. This is the same as saying that you bet $10,000 on the Super Bowl, … [Read the rest]
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