Wealth Ratio
Stanley and Danko’s Wealth Ratio is the cleanest measure of what you’ve actually done with what you’ve earned. Run yours in two inputs.
Investing
Fundrise Review
The alternative-asset sleeve. Private real estate and private innovation exposure without public-market correlation. The smoother-ride diversifier.
Robinhood Review
The contained speculation account where the active-trading itch gets scratched without infecting the FIRE portfolio. Separation as strategy.
Acorns Review
The home of my Perpetual Emergency Portfolio. Roundups and recurring deposits, growing the emergency fund quietly in the background.
The “Forever” Emergency Fund: A FIRE Approach to Life’s Chaos
You’ve hit your FIRE number. Congratulations. Your portfolio now covers your budgeted living expenses, theoretically, forever. So, why listen to the standard advice about keeping 3-6 months of expenses in cash? That advice is designed to buffer against job loss, but you’ve already retired. The traditional emergency fund model seems obsolete. However, while you may … Read more
Acorns Offer Card
Acorns: Set Up Recurring Investments, Get $20 Start investing with $5 a week and an extra $20 in your account before you finish your coffee. Most people don’t start investing because they think they need a fat lump sum to make it worth the effort. They don’t. The boring truth is that the habit beats … Read more
How to Invest 30k
Two $30,000 slugs, deployed deliberately. The Rainy Day Fund of silver, an Ethereum treasury ETF, and Alibaba on one side. The Coinbase HODL fund of ETH, ADA, and LINK on the other.
What is an HSA?
The HSA is the only account in the US tax code with all three tax breaks stacked: pre-tax in, tax-free growth, tax-free out. Most people use it wrong.