Category: Investing
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Why I keep more cash than every financial advisor says I should
Financial advisors hate excess cash. Real life rewards it. Here’s why holding more than the textbook recommends has paid off in ways spreadsheets miss.
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Why Some People Should Delay Investing
The standard advice to start investing immediately has exceptions. For some financial situations, putting money in the market right now is the wrong move.
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The Roth IRA isn’t the slam dunk Reddit says it is
Reddit treats the Roth IRA as a no-brainer, but the math depends on assumptions about future tax rates that no one actually knows. Here’s a closer look.
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Market crashes are more common than you think
Investors treat crashes as rare disasters, but historical data shows major drawdowns happen every 5 to 10 years. Here’s why the calm decades were the exception.
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Robo-advisors’ tax features are marketing, not magic
Tax-loss harvesting and direct indexing sound like free alpha, but the real benefits are smaller and narrower than the marketing implies. Here’s what actually moves the needle.
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Why financial advisors aren’t worth what you pay
A 1% advisory fee sounds modest, but compounded over decades it eats a third of your retirement. Here’s why most investors don’t need a financial advisor at all.
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Standard SAFEs favor investors and founders keep pretending they’re neutral
SAFEs are sold as founder-friendly, but the standard terms quietly favor investors. Here’s what founders are actually signing when they default to YC’s template.
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Long-term investing doesn’t guarantee success
Buy and hold is sold as a sure thing, but the historical data shows long timeframes can still deliver disappointing or negative real returns.
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Why losses are more important than gains
Loss aversion isn’t just psychology — it’s the math of compounding. Here’s why avoiding a 50% loss matters more than scoring a 50% gain.
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Emotional Investing Isn’t Always Wrong
Personal finance dogma says emotion ruins returns. The behavioral evidence is more nuanced — and gut feelings sometimes signal real risk.