What to hold in taxable vs. tax-deferred vs. Roth.
How loss aversion, recency bias, and a dozen other quirks of human cognition shape investment returns — usually downward.
How to build a reliable income stream from individual bonds — and when ETFs are simpler.
The simplest globally-diversified portfolio · 8 min read
The "100% return" most workers leave on the table.
Why steady investing usually beats trying to time the market.
The five practical differences that actually matter for buy-and-hold investors.
A complete first-investor walkthrough · 10 min read
The 25-year evidence on whether stock pickers beat the market.
Why home bias is expensive — and when it pays to hedge the currency exposure that comes with going global.
How borrowing to invest works, what it can do, and why most retail investors should leave it alone.
Which builds wealth faster — your house, a rental, or an S&P 500 index fund?
The complete decision framework · 9 min read
Which sectors historically lead in early-cycle, mid-cycle, late-cycle, and recession — and why most investors should ignore it.
Why two retirees with the same average return can have wildly different outcomes.
Two government-backed ways to hedge inflation — and which to use when.
From the 2-fund to the Permanent Portfolio — pros, cons, and historical returns.
How much you can spend from a portfolio without running out — Bengen, Trinity, and modern updates.
How high earners legally fund a Roth despite income limits.
Why the Health Savings Account is the most tax-advantaged account most people ignore.
How to legally stuff up to $70k/year into Roth accounts via after-tax 401(k) contributions.
Calendar vs. threshold rebalancing — what the research actually shows.
The math on why cash reserves beat market returns when life happens.