You Own the Magnificent Seven Three Times Over
Your index funds overlap more than you think. The Magnificent Seven dominate the S&P 500, Nasdaq 100, and total-market ETFs—leaving you far less diversified.
Sentiment Says Recession, Data Says Growth. One Is Lying.
Consumer confidence is tanking while GDP holds steady and unemployment stays low. Is a recession actually coming, or are we just vibing our way into fear? A…
Goldman Says Your Recession Fear Is “Lower Happiness”
Is a recession coming or just vibes? Goldman Sachs blames consumer dread on feelings, not facts. Here’s why the data-sentiment gap matters for markets.
Value Stocks Look Cheap Until You Check the Rate Math
Growth vs value investing splits portfolios when rates stay high. The discount rate quietly decides which camp wins — here’s the boring math that matters. A…
The Custody Fight You Can’t Afford to Ignore Anymore
Self custody vs exchange risk just exploded. Haruko’s hack, 15 clients hit, and new CFTC rules change everything. Here’s the math that matters now.
The 500 Total Market Split Just Got a Lot More Lopsided
S&P 500 vs total market ETF: concentration just hit a new extreme. Here’s the math behind the choice, what you actually own, and when it matters. A sharp,…
Which Bitcoin Investor Sleeps Better?
Spot Bitcoin ETFs offer convenience and tax simplicity, but self-custody means true ownership. Here’s the math on fees, risk, and control that matters.
Growth vs. Value Was Settled. Then Rates Stayed High.
When the Fed holds rates elevated, the growth vs. value debate flips hard. Future profits get discounted more, and the math behind expensive stocks breaks….
CPI Says 3%. Your Wallet Says 30%. Here’s the Math.
Official inflation numbers have cooled, but real inflation for groceries, rent, and insurance keeps climbing. Here’s why the gap between CPI and your budget…
Real Inflation Doesn’t Match the CPI. Here’s the Gap.
Real inflation feels worse than CPI says because headline numbers miss what actually drains your account. The gap between official data and lived cost is…