A study of one person (me) who held TQQQ through a 75% crash like a psychopath Abstract Conventional financial wisdom states that leveraged ETFs like TQQQ are not suitable for long-term holding due to volatility decay. This paper presents a groundbreaking counter-argument: what if you…
An hour of inconvenience now versus a lifetime of limitation later Nobody wants to hear this, but I’m going to say it anyway. I go to physical every single week. Not because I’m injured. Not because something is broken. Not because a doctor told me…
How I lost $156,000 to a robo-advisor I did everything right. At least, that’s what I thought. At 26 years old, I decided to randomly open two accounts, one with a robo-advisor and another with private equity just to try it out. It seemed like…
Why the vital few aren’t doing more — they’re simply refusing to stop I’ve spent years studying people who seem to defy time. Not the biohackers. Not the influencers with their ice baths and supplement stacks. Not the ones broadcasting their regimens like a performance. The quiet ones….
No gym. No equipment. Just 10 minutes. After 20 years of gym memberships, I needed a break. I usually take at least a month long sabbatical every year. But I didn’t need that this year, I needed a break from the gym entirely. Yet I still…
5 things you need to know before you start trading options I lost $5,000 trading options on AT&T. And honestly? I deserved to lose it because I had no idea what I was doing. Today I’m gonna break down what options actually are — in the simplest way…
Everything on an ETF page explained in plain English — using SMH as our example (Since I’m bullish on semis right now) If you’ve ever pulled up an ETF page and felt like you were reading hieroglyphics, you’re not alone. I still remember laying eyes on hieroglyphics in…
You’ve been told your whole life that workouts need to be long to count. An hour at the gym. A 45-minute class. At minimum, 30 minutes of sustained effort or you’re wasting your time. It’s not true. And that belief is probably why you’re inconsistent. Micro…
I stopped maxing out my 401k. Here’s what I do instead. For years, I preached the gospel. Max out your Roth IRA. Max out your 401k. Let compound interest do its thing. Die wealthy. I followed my own advice. I’ve been investing since I was 14….
The fitness industry lied to you about how long workouts need to be I’ve lifted weights for over 20 years. I’ve done the 90-minute sessions. The two-hour gym marathons. The double 1–2 hour sessions in one day. The programs that required meal prep, pre-workout rituals, and…
You’ve started over more times than you can count. New year, new program. Monday motivation. A burst of energy that lasts two weeks, maybe three, before life gets in the way and you’re back to zero. The problem isn’t motivation. The problem isn’t discipline. The problem…
Waiting doesn’t make investing safer — it makes it heavier Most people don’t delay investing because they don’t know how. They delay because, by the time they think about investing seriously, money is no longer neutral. When money is neutral, investing feels like a mechanical decision. You put…
Most decline isn’t aging — it’s years of decisions finally showing up People talk about aging like it’s something that suddenly happens to you. Like one day you wake up old, stiff, fragile, and tired — and that’s just how it goes. That’s not how it works. Aging is not…
The real obstacle isn’t money, it’s the lifestyle pressure no one warns you about Most people think saving their first $100K is hard because they don’t make enough money. That’s rarely the real reason. The real fight isn’t income. It’s friction. Social pressure. Short-term relief. Emotional…
You’re not saving money buying cheap food. You’re borrowing against your future body and hoping the bill never comes due. It always comes due. That $3 fast food meal feels like a win today. But the cumulative cost of decades of low-quality fuel shows up…