A blog about college, investing, cooking, psychology, saving money and general life concepts.
Somewhere along the line, we decided the road to success was paved with endless workdays and side hustles stacked on top of day jobs. If you’re not busy, you’re falling behind. Hustle culture measures success by how much you do in 24 hours, not how much you keep in 24 years. The trouble is, most... Continue Reading →
This evening, I put on some music and found myself rereading The Complete Investor by Tren Griffin, a book that distills the wisdom of Charlie Munger through the lens of rational decision-making. In Chapter 4, The Psychology of Human Misjudgment, Griffin brings up one of Munger’s most humbling ideas: the over-optimism tendency. It hit me... Continue Reading →
How Denial, Stories, and the Fear of Being Wrong Shape the Markets, and Us ✈️ Opening Hook: The People We Can’t Let Go Of Amelia Earhart disappeared over the Pacific in 1937. Her body was never recovered. Her plane never found. And nearly a century later, we’re still chasing her ghost, clinging to fragments of... Continue Reading →
I want to speak to those of you who’ve ever lived by this thought: "If I pull x amount from savings, yet I can’t replace it within a certain time frame, perhaps I probably shouldn't." If that’s you? You’re doing what most people never learn to do. You're not just “saving”, you’re calculating the opportunity... Continue Reading →
You don't need to be a physicist to understand why some people stay broke for decades while others quietly build wealth in the background. You just need to understand a little bit of motion, and a whole lot of human behavior. In physics, Newton’s First Law says an object in motion stays in motion unless... Continue Reading →
What the Textbooks Say In every finance class, there comes a moment when the professor introduces a golden rule: "A dollar today is worth more than a dollar tomorrow." It's a foundational concept, a building block of modern economics known as the time value of money. The idea is simple in theory: money loses value... Continue Reading →
The Invisible Cost of Every Grant There’s something people don’t often consider when they apply for a grant, ask for a loan, or swipe a card that doesn’t yet have the money behind it: someone else gave something up so that money could be available. When you receive a grant to pursue your art, education,... Continue Reading →
There’s a story I came across recently that stuck with me. The kind that doesn’t scream, but hums. It came from an article on the Dividend Growth Investor site, quoting something Christopher Davis once said about his grandfather, the legendary investor Shelby Davis. As a teenager, Christopher forgot his wallet one summer while working and... Continue Reading →
You shut down your laptop at 8 p.m. The market’s closed, dinner’s done, you’re half-asleep on the couch, then you glance at your phone one last time and see it: S&P 500 futures down 1.4% The regular market is asleep, but stock futures are throwing a midnight party in the dark. Why? Who’s even trading... Continue Reading →
Somewhere in a quiet New England town, there’s a man who wears the same wool coat every winter, stitched twice in the elbow, never replaced. He eats the same breakfast every morning. Toast. A boiled egg. Black coffee. He walks to the bank not because he needs to, but because he likes the silence of... Continue Reading →
The Broke College Student 