After several disappointing discussions with “financial advisors” I decided to take matter into my own hands and start researching the software these firms use and look for my own Do-It-Yourself apps. Here is a list of what I’ve come up with so far after visiting dozens of websites and watching dozens of YouTube videos. Professional…
Category: Educational
AI: Spend Less Than You Earn or Earn More Than You Spend?
I don’t know why I hadn’t asked AI the age old question in personal finance around spending less than you earn or earning more than you spend. Here is the answer that AI spat out. Both spending less than you earn and earning more than you spend are essential strategies for building financial security, but…
How To Find Your Financial Escape Velocity
“Doing the same thing over and over again and expecting different results is the definition of insanity.” That’s a quote that I’ve had to use several times over the last month with a few different people on a few different topics so now I’m writing a post about it. But first let’s talk about Escape…
Stock Exchanges & The Pareto Distribution
As part of a discussion I was having with a friend, I brought up the recent Olympic medal analysis I had done and I said that it was almost universally applicable to most things humans create. We then started talking about the stock market and wondered if it was applicable to the stock exchanges around…
Book Review: You Weren’t Supposed To See That by Joshua M. Brown
“If you can’t beat them, buy their stock” is the first thing I thought of after reading Josh Brown’s new book, You Weren’t Supposed To See That. I liked the book, it’s witty, funny, informative, and insightful. From what I can tell, it’s an amalgamation of blog posts and events written over the years and…
2024 Olympics & The 80/20 Rule
My wife is a big fan of the Olympics so I had to watch every day along side her to cheer on our favorites athletes but since I like to tinker with numbers I decided to use my time on the couch to test the Pareto Distribution. Pareto Distribution For the uninitiated and from Wikipedia,…
How I’m Conquering Inflammation & Back Pain
I’ve had periodic lower back pain for 3 decades now. I’ve gone to doctors, therapists, chiropractors, and masseuses to help find the cause or alleviate the pain but the pain has rarely gone away until now. So what was the magic trick? Tiny Health I wrote about starting a journey into a parallel medical ecosystem…
Book Review: The Culture Map by Erin Meyer
I’ve been researching places to retire overseas and part of that research is to understand the culture and compatibility we (wife and I) may have with different countries. To that end, I picked up a copy of Erin Meyer’s “The Culture Map” to understand what we may encounter in different parts of the world. It’s…
Pension Protection Act of 2006 (PPA)
Do you remember a company named Enron? This happened in 2001 and most people have probably forgotten about it but many people lost their life savings because they were invested in the company’s stock and had little other options on where to invest their money. One of the key things that happened as a result…
My 2023 Tax Autopsy
I wrote about my $15,000 tax bill on this post and I’ve been conducting an autopsy on how my money got murdered in the brutal manner that it happened. Preparation Review Documentation: I took a look at all my W-2’s, brokerage accounts, bank accounts,real estate business records, taxation records from various jurisdictions. I confirmed all…