by Stoffel | Apr 30, 2026 | Financial Literacy
A basket of groceries that cost $100 a decade ago now costs closer to $135. The eggs are the same. The bread is the same. What changed is what your money is worth. Most people understand, vaguely, that prices rise over time. Fewer connect this to the concrete...
by Stoffel | Apr 23, 2026 | Financial Literacy
Most investors spend their energy searching for the right stock, the right fund, or the right moment to buy. These decisions matter. But none of them come close to the single variable that determines more wealth outcomes than any other: time. Compounding is not a...
by Stoffel | Apr 16, 2026 | Financial Literacy
Every payday follows the same script. Money arrives, bills go out, subscriptions renew, groceries get bought, and whatever is left over, if anything is left over, gets saved. It feels responsible. But at the end of the month, the savings account barely moves. This is...
by Stoffel | Apr 15, 2026 | Investing
On April 9, 2026, Howard Marks published “What’s Going on in Private Credit?” – a full-length memo on the state of the market. Marks is co-founder of Oaktree Capital Management, one of the world’s largest alternative investment managers,...
by Stoffel | Apr 9, 2026 | Financial Literacy
Picture this. You wake up on a Tuesday morning, check your phone, and find a message from your landlord: the lease is not being renewed. Or your car breaks down on the expressway. Or the company you work for announces layoffs, and your name is on the list. None of...
