Personal finance without the sales pitch. Investing without the hand-waving. The math, the assumptions, and the honest version of the story.
Capital costs rising, jobs disappearing faster than new ones form, and an adoption curve too steep to plan around
We are in the addiction phase of AI in the workplace. The efficiency gains are real, the dependency is real, and the economic ripple effects are only beginning. Here's how I'm thinking about what it means for portfolios — and for teaching the next generation.
The allocation shift most investors make too late — and a decade-by-decade framework to get ahead of it
There's no single right allocation — but there is a direction of travel. Here's the decade-by-decade framework I wish I'd had from the start, and why the $100K milestone changes the math entirely.
Why the Roth IRA is the best gift your younger self can give your older self
I dropped $7,000–$14,000 into a Roth IRA early in my career, picked a boring S&P 500 ETF, and forgot about it. Fifteen years later it's worth over $40,000 — entirely tax-free. Here's what I'd tell my younger self.
What losing 85% on GE taught me about ego, timing, and when to walk away
I bought GE in the $30s, then the $20s, then kept buying all the way down to $5. What that 85% loss taught me about ego, laziness, and why the most expensive investing mistakes are the ones you make late.
The triple-tax-advantage account most people ignore — and why staying healthy is the best financial strategy
A friend's $100K HSA balance changed how I think about money. The account most of us scroll past during open enrollment might be the most powerful wealth-building tool in the tax code — and it compounds even better when you stay healthy.
A 1,400-mile Tesla road trip, and what it taught me about pricing an experience
A 1,400-mile Tesla road trip from the Bay Area to Seattle — and what a rainstorm near Medford taught me about pricing an experience, evaluating Tesla as an investment, and asking better questions than P/E ratios.