Two households, same layoff risk, very different outcomes Two households get the same Slack message on a Tuesday afternoon: role eliminated. One takes a breath, opens a spreadsheet, and moves money from a six-month cash reserve they’ve parked in Treasuries…
The hidden fee on your housing bets: inflation Here’s the quiet fee most investors skip: inflation. It’s the charge that hits your housing bets even when the screen is green. In Q4 2025, that matters a lot, because real returns…
No, the Fed can’t just “pick 3%” and call it a day No, the Fed can’t just “pick 3%” and call it a day. I get why that idea keeps popping up, 3% feels close enough to what we’ve been…
What tax pros wish everyone knew about card rewards Here’s the thing almost everyone misses about card rewards: for tax purposes, most of what you earn from swiping is treated like a discount, not income. That’s not a quirky loophole,…
Wall Street’s not-so-secret retirement tax edge isn’t a hot stock tip, it’s timing. The biggest retirement wins usually come from how you sequence income across accounts and years, not from squeezing an extra 50 bps out of a dividend ETF.…
No, CPI Doesn’t Automatically Smash Real Estate Stocks Hot CPI print, REITs must crater. I get that take in my inbox every time the number hits the tape. And it keeps being wrong in the places that actually set prices:…
The shocker: most households still can’t handle a $400 hit The shocker: most households still can’t handle a $400 hit. That’s not me being dramatic; it’s the baseline we have to budget around. The Federal Reserve’s 2023 Survey of Household…
The costly mistake: waiting until the storm passes I get it. Headlines feel noisy this fall, rate-cut chatter, layoff blurbs every other week, election ads screaming in the background. The temptation is to sit tight until the dust settles. But…
No, CPI Doesn’t Move Opendoor in a Straight Line It’s tempting to say: CPI runs hot, Opendoor (OPEN) sells off. Clean, simple, and mostly wrong. For an iBuyer, inflation and labor data don’t hit the P&L directly, they filter through…
How the pros set up income when rates move Pros don’t build retirement income that only works in one weather pattern. They build it to live through a full rate cycle, up, down, sideways, and that annoying “two cuts then…