Essays on investing, behavior, and math — written for myself, posted for anyone who cares.
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.