The Old Playbook Was Simple — and It Made Sense For decades, the conventional wisdom was clear: if your employer offered a 401(k), you maxed it out. Period. The math was hard to argue with. Every dollar you deferred went in pre-tax, reducing your...
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Latest Market Volatility We have often said in our meetings that our goal is to achieve more up months than down months in a year, knowing that we’ll always have market volatility. It is extremely rare to have 12 up months in a row...
How to Make Smart Moves Without Waiting for a Fed Miracle (1980–2026 Mortgage Rates, Home Prices, Policy, and Buyer Decisions) Do you remember when a 10.1% mortgage rate in 1990 felt like a fair deal? Or back in April 1980, when rates skyrocketed past...
In the world of investing, headline data often provokes immediate emotional reactions. Yet, enduring wealth creation relies not on reacting to shifting short-term indicators, but on understanding the broader structural context of economic indicators, historical market cycles, and human behavior. As we evaluate the...
Imagine walking into a restaurant and asking the waiter, “What’s the best thing on the menu?” Now imagine learning later that the waiter earned a bonus every time they recommended the steak. Would you still trust the recommendation? Maybe. Maybe not. But you’d probably...
A new federally created savings account for American children will officially launch on July 4, 2026. Trump Accounts — established under Section 530A of the Internal Revenue Code as part of the One Big Beautiful Bill Act — will start accepting contributions. If you...