by Stoffel | Sep 11, 2025 | Financial Literacy
Introduction Private consumer debt, including credit cards, personal loans, auto loans, and mortgages, affects millions of households worldwide. While credit cards offer convenience and perks, they can also act as a gateway to overspending and elevated debt levels,...
by Stoffel | Sep 4, 2025 | Investing, Risk Premia
Owning a Piece of the World’s Businesses: A Guide to Stocks If REITs let you own real estate without ever swinging a hammer, stocks let you do something even more remarkable: buy a piece of the world’s greatest businesses from multinational tech giants to a small...
by Stoffel | Aug 28, 2025 | Decision Making, Investing
Introduction Artificial intelligence (AI) tools like ChatGPT are no longer just for tech enthusiasts – they are now accessible to anyone with an internet connection. In theory, this “democratization” of AI could level the playing field in financial markets by...
by Stoffel | Aug 21, 2025 | Financial Literacy, Wealth
Introduction The allure of early retirement is powerful: freedom from the grind, autonomy over your time, and the chance to finally do everything your job never let you. But what really happens when you leave the rat race far earlier than most? Is early retirement the...
by Stoffel | Aug 14, 2025 | Investing, Wealth
Introduction First published in 2018, Mastering the Market Cycle: Getting the Odds on Your Side is Howard Marks’s meditation on why financial markets ebb and flow. Marks, the co‑founder of Oaktree Capital Management and a respected investment memo writer, argues that...
