Category: Investing
-
Real Estate Doesn’t Always Go Up
Home prices feel like a one-way bet, but the long-term data on housing returns is far less impressive than most owners assume.
-
The 4% rule is dead and the FIRE community won’t admit it
The 4% safe withdrawal rule was built on assumptions that no longer hold. Here’s why the FIRE crowd is quietly relying on outdated math.
-
Why most people shouldn’t invest in stocks yet
Index funds are great — once you’ve handled the prerequisites. If you’re carrying credit card debt or no emergency fund, stocks aren’t your next move.
-
Why chasing safe stocks can backfire
Blue chips, dividend aristocrats, defensive sectors. The ‘safe stock’ label hides real risks — and crowding into safety can produce worse outcomes than diversification.
-
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.
-
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.
-
The Stock Market Isn’t as Safe as You Think
Long-run stock market returns look reliable in retrospect, but the path includes drawdowns that have wiped out generations of investors. Safety is conditional.
-
Timing the Market Isn’t Always a Mistake
The orthodox advice is never to time the market. The honest answer is more nuanced — some forms of timing are well-supported, while others reliably fail.
-
The Stock Market Rewards Risky Behavior More Than Discipline
Patient indexing is supposed to win, but in short windows the market disproportionately rewards concentration, leverage, and luck. Here’s why.