I recently came across an eye-opening chart by the National Association of Realtors showing that the median age of first-time U.S. homebuyers is now 38 years old. That’s a significant jump from 30 years old between 2008 and 2010. Meanwhile, the median age for repeat buyers has risen to 61 years old. What is going
Waiting For The Perfect House Price Could Hurt Your Lifestyle And Happiness Read More »
What if your best is never good enough? If you knew that no matter how hard you tried, success was impossible or practically impossible, would you still push yourself to the limit? Or would you rationally pivot to another endeavor with a real chance of success? Personally, if the odds were overwhelmingly against me, I’m
Trying Your Best When There’s Little To No Chance Of Succeeding Read More »
I keep reflecting on how incredible 2024 was. With the S&P 500 up 23%, Bitcoin surging, and residential real estate climbing in most of the country, personal finance enthusiasts have had an amazing year. The investment gains almost feel like free money—and who doesn’t love getting something for free? With the return of volatility, we
The Million-Dollar Mindset of Personal Finance Enthusiasts Read More »
Recently, I went off the deep end—living like a degenerate gambler and party animal—and I wanted to reflect on it. Perhaps to nobody’s surprise, I don’t think having extreme amounts of fun is good for your financial future. It’s probably also not good for your health. In our personal finance world bubble, where we go
Partying Like A Young Degenerate Is Not Good For Your Finances Read More »
One of the reasons I left my job at Credit Suisse was that I no longer felt I was being paid based on merit. After the global financial crisis, the firm—like many others—faced tough times, and overall compensation steadily declined for years. As a top-three ranked producer, I expected to be compensated accordingly. But I
Rewarding Based on Merit Alone: Great in Theory, Tough in Reality Read More »
On February 6, 2025, the White House announced a series of tax cuts primarily benefitting the middle class and retirees. Here’s what’s on the table: The administration is calling this the largest tax cut in history for working Americans, and with Republicans in control of Congress, these proposals are likely to move forward.
Tax Cuts for the Middle Class and Retirees: A Win for Your Wallet Read More »
China’s DeepSeek has shaken up the AI world with the release of an open-source AI model that reportedly outperformed OpenAI’s in several benchmarks. Even more startling is the company’s claim that its AI technology was developed for only $5.6 million. This figure has raised eyebrows, especially as companies like OpenAI and Anthropic have spent hundreds
Deep Panic Thanks To DeepSeek’s Fast, Open-Source AI Model Read More »
Artificial intelligence (AI) is causing an existential crisis for many workers, myself included. With the rise of AI, I’ve often found myself wondering: what’s the point? If AI is going to take over, why bother trying? Maybe you’ve felt the same way—worried about how to safeguard your future from AI. Or perhaps you’re a parent
Safeguarding Your Future from AI: The Existential Crisis Playbook Read More »
One of my goals for 2025 is to simplify life by selling a rental property. A key decision in this process is whether to hire a top-tier real estate agent, who charges a higher commission, or opt for an average agent to save on costs. By “top-tier real estate agent,” I’m referring to an agent
Hire A Top-Tier or Average Real Estate Agent at Lower Commission Read More »
This newsletter is proudly sponsored by Fundrise, my top choice for private real estate and private company investments. With over $3 billion in assets under management, Fundrise makes investing accessible to everyone, starting with just a $10 minimum. Personally, I’ve invested more than $300,000 with Fundrise to gain greater exposure to AI and high-quality residential commercial real
Newsletter For January 5, 2025: What’s In Store For 2025 Read More »
