There aren’t any loans for retirement. Should we count reverse mortgages being pitched on daytime TV by Grade-C actors? While this product makes sense for some, it’s not close to reaching critical mass. Financing college is a different ball game. Too many Americans jeopardize their retirement security by screwing up late-stage college planning. Nobody’s saying…

We seek refuge in all the wrong places. The stock market is a prime example. Clinging to continuous change isn’t a good look. Everyone searches for happiness while avoiding pain. Don’t listen to your tribe. We’re more alike than people think. We are constantly searching for dopamine hits in bad neighborhoods. Temporary pleasure increases desire,…

Losing money sucks. Loss aversion assures us we suffer twice as much in bear markets compared to finding joy when the bull roars. Staring at flashing red screens and listening to overdramatic prophets of doom compound a bad situation. What should investors do in these trying times? Focusing on what you can control is always…

Death obliterates the best-laid retirement plans. What’s the secret to a longer life? Studies prove age beliefs are a big piece of the puzzle. Humans absorb positive and negative environmental factors. Pollution and  Ageism fall under the same category. Even in our current cancel culture, one group is still fair game – the elderly. In American…

Know Thyself. Knowing what you are not capable of is an underrated superpower. The financial markets aren’t the place to discover a weakness. Stocks sometimes go down -a lot. Without this baseline of knowledge, things go south quickly. After graduating college, one of my first jobs was on an FX trading desk. On October 19,…