Tax advantages don’t protect you from structural risk — For a long time, retirement advice followed a clean script. Work. Contribute. Max it out. Let the market do its thing. That advice wasn’t stupid. It was contextual. It belonged to a period where inflation was…
This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → If you’re starting to sweat while signing the papers, walk away I made many mistakes when I…
This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → Why most people never get there Not a paycheck. Not a raise. Not a good month. The…
Your problem isn’t income, it’s this A vast population of people don’t avoid investing because they’re irresponsible. They avoid it because the math feels abstract. “Investing” sounds like something for people who already have money. Or time. Or confidence. Or a financial background. So they delay….
This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → Your problem isn’t income, it’s this They avoid it because the math feels abstract.“Investing” sounds like something…
#3 Abandon the live-in-the-moment mentality Denis Gorbunov recently posted a fantastic article on the invaluable book The Psychology of Money. I’ve read the book and appreciate his interpretation of it. The three quotes he points out in the book: “You need to plan on your…
This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → The three quotes he points out in the book:“You need to plan on your plan, not going…
This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → If You Can Show Up Daily, You Can Get Rich Most people treat consistency like a tool…
Use Fundrise as an entry point — You don’t “get into private equity” with $50 the way institutions or high net worth individuals do. Let’s start here. What you can do with barely any money is get exposure to private-market style investments through pooled vehicles that…
Here’s how to get started so you don’t end up f*cked If you’re over 35 and you’ve never invested, you’re not stupid. You’re not lazy. And you’re not uniquely behind. But you are running out of time to pretend this will sort itself out. The uncomfortable…
This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → Most of Us Already Know What To Do Most people know that investing leads to wealth, or…
For people who want to start without pretending to be experts — People don’t avoid investing because they’re lazy. They avoid it because they feel stupid. They hear terms like asset allocation, market cycles, risk-adjusted returns, and they immediately assume they’re behind, unqualified, or too late….
This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → For people who want to start without pretending to be experts They avoid it because they feel…
Most financial advice assumes you want money to become a second job — SOME financial advice assumes you are financially educated, enjoy tracking markets, following news cycles, comparing strategies, and staying constantly “informed.” Moreover, it assumes you want to think about investing all the time. I’m…
Why consistency beats intelligence, confidence, timing and almost everything else — I’m not a market expert. I don’t read charts. I don’t follow earnings calls. I don’t track macroeconomic narratives. I don’t try to predict recessions, rate cuts, elections, or black swan events. I just…