Author: Daniel Keem
-
Crypto Gains Are Largely Luck, Not Skill
Most successful crypto traders won by being early or lucky. The skill narrative is mostly survivor bias, and most active traders underperform indexing.
-
Early Retirement Sounds Great Until You Actually Do It
Early retirees often discover the financial planning was the easy part. The psychological adjustment surprises even the most prepared FIRE practitioners.
-
Debt Consolidation Loans Don’t Fix Bad Habits
Consolidation loans simplify debt without addressing why it accumulated. Most consolidators rebuild balances on the original cards within two years.
-
Mega backdoor Roths are how tech workers quietly out-saved everyone
The mega backdoor Roth lets workers shelter $40K+ extra per year in tax-advantaged accounts. Tech workers found it; most other employees never hear about it.
-
Credit Card Rewards Are Designed to Make You Spend More
Reward programs aren’t gifts — they’re sophisticated behavioral tools tested to increase your spending. The math favors the issuer in most categories.
-
The humanities aren’t dying — they’re being killed by administrators
Humanities departments are being closed not because students don’t want them, but because administrators have made strategic decisions to redirect resources.
-
Class action waivers gutted consumer protection and Congress is fine with it
Class action waivers in consumer contracts have stripped legal recourse from millions. The Supreme Court enforces them; Congress hasn’t intervened.