A blog about college, investing, cooking, psychology, saving money and general life concepts.
There’s a strange kind of grief no one warns you about: The grief of becoming someone new, and realizing you may not be able to take everyone with you. It hits in quiet, unexpected moments.Like standing in a thrift store, holding a $4.99 copy of The Little Book of Value Investing, smiling at the steal... 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 →
https://youtu.be/2zmaZ19ufZU?si=FtjdxAb-Ru69theR Push play and listen to this while reading, I promise it won't disappoint. Last night, I stayed up talking to a friend until two o'clock in the morning. She was opening up about a situation she was in, and I was sharing something I’d recently experienced. We got to talking about what we want... Continue Reading →
I've Been Protected by Systems, and Failed by Them. I Don’t Owe Blind Loyalty to Either Some people have religion. Some have routines. Some cling to identity. Others hold fast to systems, like unions, government programs, or ideologies, not necessarily because they believe they’re flawless, but because they once offered safety when nothing else did.... Continue Reading →
My Rule of Thumb I have this rule of thumb: if I can’t replace something out of savings, or if I can’t replace what I spend within a few months, I don’t spend it. The reason for that is because, over the years, I’ve noticed a pattern with people who get windfalls or lump sums.... Continue Reading →
Tonight, as I was reading various blog posts on retirement and saving money, I got to a Reddit post where somebody asked if they were starting too late at 37. And people were quick to tell them, “No. I started later.” One even said they had to start over at 43. And it made me... 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 →
