Opinion
The 4% retirement rule was built for a world that doesn't exist anymore.
A 1994 study using mid-century data still dictates how America retires. Longer lives, richer valuations, and wilder bond markets demand new math.
Opinion
Opinion
Stop cheering for rate cuts. Cheap money is what made everything expensive.
Everybody wants the Fed to cut. But a decade of near-zero rates inflated houses, stocks, and groceries alike — and savers paid for the party.
Opinion
Index funds won the argument. Admit stock-picking is entertainment now.
SPIVA keeps score, and the score isn't close: most professional stock-pickers lose to the index. The honest case for picking stocks was never about returns.
Opinion
Bitcoin ETFs made crypto boring. That's the best thing that ever happened to it.
The suits arrived, the memes left, and crypto got an audited prospectus. Boring is how assets grow up.