Invest Better

As we enter the last few weeks of 2022. It’s time for a year-end assessment. I’ve seen many headlines this year like, “what a terrible year, nothing is performing, there’s nowhere to hide.” And from the chart below, you can see it’s valid: Data through 9/30/2022 Let’s review some key factors in this year’s performance: … Read more

There are plenty of market pundits calling the start of the next great recession. Some have been calling it for years, decades even. And there are many reasons to be negative on the stock market today, ahem inflation. The purpose of this post is to take the other side and share a few reasons the … Read more

Automated investing is critical. In this post I share the why and how of it. Money flows through our lives and bank accounts. We work, receive income and then spend it. And the years pass. I’ve talked to many people at the end of their career lamenting, “I wish I’d started saving for retirement earlier.” … Read more

History Formed in 1957 the S&P 500 index is a considered a bellwether for the US economy and stock market. It includes the largest publicly traded companies headquartered in the United States. It’s roots as an investment vehicle started when the Vanguard group created the first S&P 500 index fund in 1976. The Vanguard 500 … Read more

Market analysts will always find reasons to report a bear market is coming soon. I found various articles over the 2010s pointing to an imminent downturn. Eventually, the market bears will be correct. They just weren’t in the last decade. In the 2010s, the S&P 500 generated average annual returns of over 13%. And 2020 … Read more

Financial capital is not the only important capital. This article examines another area of your life that needs attention and investment to thrive – your health. I review the current cost of healthcare and global life expectancies. And I analyze potential root causes for the United States’ declining life expectancy. I then outline a few … Read more

This is a story from my life – my 500k lesson. It is accurate to the best of my recollection. Let the Good Times Roll The year was 2006. Graduated from college a couple years prior, married one year and working in retail banking. Average job, average income, average life. Student loan debt, apartment life, … Read more