Five years ago, as I drove to my teaching job, I would listen to Bloomberg Radio (and was particularly excited whenever Barry Ritholtz was a guest host). I had no idea that, some years later, Dina and I would be a part of the Ritholtz Wealth Management team AND would be featured on one of…

Change is the only thing that doesn’t change. Our bodies are constantly regenerating. New cells are born, others die. Stomach cells recycle every five days. Our skin every two weeks. Every ten years, our entire skeletons are completely rebuilt. Life on our planet is anything but permanent There have been five mass extinctions in Earth’s…

Many Americans despise Congress. Self-serving, out of touch, conflicted, and condescending are some of the tamer adjectives thrown their way. Dina and I decided a long time ago average investors are getting screwed. Unfortunately, the government is part of the problem, not the solution. The majority of Republicans and many Democrats receive their marching orders…

Investors try to do the right things but often the wrong reasons.  Mixing our monkey brains with money creates strange concoctions akin to buying cotton candy in order to eat the stick; flying on planes for the snacks; or visiting the dentist for the magazine selection.  Basically, we get distracted. There are no shortages of…

Our public education system is outdated and archaic. It’s not shocking personal finance isn’t a standard part of a national curriculum to prepare students for the 21st century. Instead, we still operate in a factory model, designed to mould workers into drones working on an assembly line. Public education hasn’t strayed much from 1852 when…

Overdogs aren’t popular. Think – New England Patriots, Facebook, and Darth Vader. Large insurers in the Non-Erisa K-12 403(b) retirement market dominate this space with armies of salespeople, lobbyists, regulatory capture, and deep pockets. In some industries, overdogs provide outstanding products  – others not so much. The 403(b) market falls into the latter category. Dina,…