Simple steps that help you benefit from the economic machine

Make your daily decisions work for you in the macro movement of wealth

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“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.” — Albert Einstein

There is massive asymmetry of risk and reward, and it’s in your favor if you do it right…

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Ever sat in an artificially lit conference room discussing mind-numbing details that make you question your existence? If so, chances are you have probably done at least some rudimentary math to determine how much money you would need to not have to do it anymore. This is generally referred to either as your FI (Financial Independence) number or more bluntly as having “F.U. Money,” as in you can literally walk out the door shouting obscenities with minimal repercussions to your financial security…

The principles behind favorable outcomes are surprisingly similar

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Like many who read about asset allocation, I have been a personal finance junkie for years. I also happen to be a raging fantasy football nerd. Over the years I’ve found that my interest in both domains are tied to optimization, predictive analytics, portfolio theory, and superhuman people doing superhuman things. Because everything in the personal finance space is so serious, here’s a change of pace with 6 similarities between asset allocation and fantasy football…

1. It’s about maximizing the probability of portfolio return

Different asset classes have different levels of risk and expected return. All that matters in the end…

Tips to plan for both income and growth, even in a downturn

Safeguard your plans and expedite your timing…

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Those well entrenched in the mindset of financial independence are undoubtedly familiar with the core tenets of it, including the 4% rule, the (favorably) asymmetrical cost/benefit relationship of index funds, geo-arbitrage, and the importance of tax optimization. There is endless content on those aspects of personal finance, so I won’t discuss them here.

What I’ve found more interesting in my own journey and in observing others is that even with textbook navigation of those aspects over years or decades, there is one massive risk that can derail even some of the most prudent…

Evaluating the risks and opportunities of a battered stock market

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Stock market crashes are scary. Even if you’re a longtime student of personal finance and objectively understand that bear markets are healthy, every massive drop feels like an unusual circumstance that could be different and more crippling than all the previous ones — and someday that may actually be true.

As many non-essential businesses are temporarily (or permanently) closed, with their respective owners and employees out of work, obviously, the priority for those most directly affected is to simply tread water by whatever means possible.

However, if you are among the lucky few to still have a steady income with…

The benefits are undeniable

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Anyone who has latched onto the Financial Independence (FI) movement has probably discovered that a core tenet of scaling net worth is predicated on minimizing investment fees. The clearest and obvious way of doing so is to simply invest in an index fund that tracks either the total U.S. stock market, the total global stock market, or a large and representative subset, like the S&P 500. Maybe add a total bond market index fund to hedge volatility, particularly as you get closer to withdrawing from your portfolio.

Without going into too much detail into the benefits of index funds themselves…

7 reasons why SF will hoist the Lombardi

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Most postseason talk, Vegas odds, and power rankings from major NFL media sources have the Baltimore Ravens as the favorites to win Super Bowl LIV in Miami. They appear to be getting better as the season goes on and certainly have passed the eye test. Here are 7 reasons why San Francisco has an even better chance among the remaining field of teams.

  1. The most battle-tested team (by a mile)

It probably makes more sense than you think

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Most people reading this type of article are full-time, non-remote, salaried employees. While there may be something comforting about having a predictable stable income, it should come as no surprise that we probably put in way more than the 40 hours a week clearly stated on our paychecks, directly or indirectly, in exchange for that stability.

Recently, I was fortunate enough to restructure my job to 30 hours a week, fully remote. My salary was proportionally scaled from its original 40 hours per week down to 30 hours per week, or a…

The fastest way to get there is also the scariest

The path to being free and fulfilled is, for better or worse, tied to our finances. We work to cultivate better lives for ourselves and our families with the goal of one day being at peace with what we’ve built and enjoying the spoils of our labor (if we so choose).

The financial levers at our disposal to keep us on track usually fall into one of three categories: earning more, spending less, and investing wisely. All are undoubtedly pillars of improving our lives, but are also of the “slow…

Even if you’re an expert, the game is rigged

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MOST people are aware that investing is the only road to wealth. MOST people don’t trust financial institutions. MOST people don’t know how to effectively pick stocks. The intersection of these 3 dynamics should convene around nearly everyone doing the following:

Managing their own finances

Dollar cost averaging (investing at regular intervals to normalize against large unpredictable price fluctuations)

Investing in passive low-cost index funds

Not buying shares of individual companies (especially the company they work for)

While these concepts have gained in popularity, low levels…

Dessy John

Digital marketer and personal finance writer

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