When Might the 50/30/20 Rule Not Be the Best Saving Strategy to Use? Let’s See Jul 14, 2025 The rule says save 20%. But what if 20% isn’t enough—or isn’t even possible? What if your rent eats 70% of your income? What if you’re drowning in student loans at 8% interest while dutifully stashing away … Read more
When Giants Forgot Why They Rose: The Pattern Behind Rome’s Fall and Today’s Blind Momentum July 12, 2025 Watch a corporation announce record profits while quietly gutting its research division. See a democracy celebrate its freedoms while citizens voluntarily surrender their attention to algorithmic feeds. Notice how the strongest-seeming systems often house the deepest rot. … Read more
The Fear Gauge: When Market Terror Becomes Measurable Jul 10, 2025 The Fear Gauge is spiking again. The VIX rockets from 15 to 35 in a matter of hours as headlines scream crisis and portfolios bleed red. Traders who were bragging about their AI stock gains last week are now panic-selling everything that isn’t nailed … Read more
Deciphering the Value of Technical Indicators: Useful or Useless? July 9, 2025 Technical indicators can be brilliant—until they’re not. What once guided traders with precision can suddenly go mute when market regimes shift. The truth is harsh: no tool stays reliable forever. In markets, adaptability isn’t optional—it’s survival. Take the Baltic Dry Index (BDI). … Read more
The Great Behavioral Reset: When Fear Met FOMO in Living Rooms Worldwide Jul 8, 2025 March 2020: The S&P 500 crashes 34% in five weeks as investors flee everything that isn’t cash or government bonds. Six months later, Robinhood adds more new accounts than the previous decade combined, while day traders treat Tesla like a … Read more
The Neighbor’s Portfolio: When Envy Drives Investment Decisions Jul 8, 2025 Your coworker mentions casually that his crypto portfolio doubled last month. Your brother-in-law brags about his Tesla stock gains at dinner. Your neighbor shows off the new BMW financed by her meme stock windfall. Suddenly your diversified index fund portfolio feels boring, conservative, inadequate. … Read more
The Virtue Trap: When Good Intentions Meet Bad Psychology Jul 7, 2025 The promise is seductive: put your money where your values are, earn competitive returns while saving the planet, and sleep better knowing your portfolio aligns with your principles. ESG investing has captured trillions in assets by promising to do good with money, turning … Read more
The Three-Day Millionaire: When Small Samples Destroy Fortunes Jul 4, 2025 A stock jumps 8% on Monday, 12% on Tuesday, 15% on Wednesday. By Thursday morning, you’re convinced you’ve discovered the next Amazon. You liquidate your diversified portfolio, mortgage the house, and bet everything on this “sure thing.” Six months later, you’re staring at a … Read more
The Default Trap: How Doing Nothing Becomes Your Biggest Investment Mistake Jul 3, 2025 Twenty years ago, you started your first job and checked the box for your company’s default mutual fund option in the 401(k). Target-date fund, seemed reasonable enough. You’ve been contributing ever since, watching the balance grow, feeling responsible about your financial … Read more
When Machines Become Fortune Tellers Jul 1, 2025 AI predicts a sure win—and everyone jumps. The algorithm screams “buy,” the model flashes green, and suddenly your neighbor who couldn’t balance a checkbook last year is lecturing you about machine learning’s infallible market insights. What happens when robots mislead us? We get a new breed of … Read more