By Age 35…

You should be able to run your own damn numbers about how much money you need to save up. I mean, that’s what I did back in 2016 in this post on my blog. By now you’ve probably seen the by 35 meme that has an entire generation in a …

Counterfactuals, Costs, Process, and Julius Caesar

Counterfactuals Counterfactual is a word coined in the 1940s that describes a world, scenario, or outcome that didn’t actually come to fruition. Counterfactuals are deeply ingrained in the more commonly discussed concepts of opportunity cost and being ‘process-oriented’ instead of ‘outcome oriented’. Opportunity Cost Opportunity cost is essentially a quantification …

A Passive Problem

Low Fees, Please. If you get your investing lessons from reddit or the bogleheads, or most other internetty places, you’ll quickly learn that passive is better than active, and that you should just index your way to riches. Now, there’s a lot to be said for the approach of owning …

Cash Flow Conundrum

Conventional wisdom tells us that one of the sure fire ways to get ahead is to earn more. Whether that’s through a promotion, salary negotiation, changing jobs, or side hustle, is up to us to figure out, but the idea is that as long as we earn more (then more, …