by Stoffel | Jul 16, 2026 | Financial Literacy
Ask most people what they earn each month and they will tell you to the last digit. Ask them what they are worth and you will get a shrug, a guess, or a long pause. That gap is worth paying attention to, because income and net worth are not the same thing, and only...
by Stoffel | Jul 9, 2026 | Investing, Portfolio Management
Harry Browne built a portfolio that has survived stagflation, the dot-com collapse, the 2008 financial crisis, and the inflation shock of 2022. It has done exactly what it was designed to do for nearly five decades. And yet, for most people reading this, it is...
by Stoffel | Jul 2, 2026 | Financial Literacy
You get the raise. You have been working toward it for two years, and it finally comes through. For a week or two, it feels like breathing room. Then, gradually, the breathing room fills up. The slightly nicer apartment. The restaurant that was previously a...
by Stoffel | Jun 25, 2026 | Investing, Portfolio Management
“Buy and hold” is one of the most useful pieces of investing advice ever given. It keeps investors in the market through volatility, suppresses trading costs, and reduces the tax drag of short-term gains. But somewhere along the way, “buy and...
by Stoffel | Jun 18, 2026 | Investing
Bull markets are dangerous. Not because prices fall, but because they teach investors the wrong lesson. When everything goes up for a sustained stretch, timing starts to feel easy. Buy something, wait, watch it rise. Repeat. The discipline of when to invest starts to...
