How do ya like me now?

It’s been a while since I wrote a post, time to change that. I had to fire up the laptop because the market has something to say. “How do ya like me now?” In my article History Often Rhymes but Does Not Repeat? | FI Chronicles, I shared top factors leading to the -19.6% S&P 500 decline … Read more

Student Loan Forgiveness?

In this article I analyze the latest stimulus. Examining federal student loan forgiveness from different perspectives. There are strong opinions on either side of this topic, so let’s jump straight to the facts. The Facts Up to 10k per borrower of federal student loan balance is eligible for forgiveness. For those earning under 125k (single … Read more

A Tale of Two Investors

Let’s run through a scenario of two people. Both followed good investing paths. But one path has some compelling advantages over the other. In 2022 the average college graduate income is: $55,260. We will start there. Two young professionals begin their careers in similar positions at the same company after college. Big Saver Benjamin Benjamin … Read more

Stay the Course

So far 2022 has been tough for investors: S&P 500 index is down about 13% YTD US Aggregate Bond index (corporate investment grade bonds) down about 9% YTD Bitcoin down about 35% YTD EAFE index (developed international stocks) down about 12% EEM index (emerging markets stocks) down about 12% Now is the time when many … Read more

Why and How – Coast FI

What are we buying with all those retirement contributions? Today I share my motivation to increase our family’s savings rate. And an important calculation to help you stay motivated on your journey. Coast FI. My Whys I don’t know how long I have Work is hard. And stressful. There are responsibilities and requirements to my … Read more

9 Keys to Financial Independence

The goal of this post is to provide an introduction to the keys of FI. It is my hope that you use this as a launching point to dig deeper into the study of financial independence. In my experience the more you learn, your motivation will increase. And you will find the strategies that work … Read more

Why and How It Works – S&P 500

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