Ideas on Personal Finance
What Will Jobs Look Like in the AI Era? As I was thinking about this question – somewhere between scrolling headlines and wondering if ChatGPT would someday be my boss – I realized the best way to understand the future might be to look at the present. What kinds of jobs today give a glimpse … Read more
Let’s talk about the Big Beautiful Bill (BBB) for a minute. Passed on July 4, 2025, it’s the latest sweeping legislation aimed at reshaping America. While some folks are busy arguing whether it’s too big or not big enough, others are missing the real story hidden in plain sight. One feature quietly tucked into the … Read more
A few months ago, CNBC and financial headlines were flooded with predictions of America’s decline. Sound familiar? Financial commentators were loudly declaring – Sell America! Now? Silence. Markets are rising again. Unemployment is low. AI is booming. The American consumer continues to spend like it’s Black Friday. And those same experts? Quiet. Or worse–suddenly optimistic, … Read more
Everyone wants a piece of the AI action right now. It’s the new gold rush, and your group chat probably has at least one person claiming they’re “heavy into Nvidia” like they’re mining silicon in their garage. The AI hype is real. Companies are racing to bolt it onto everything – cars, customer service, your … Read more
Most careers won’t die slowly. They’ll get steamrolled. In the early 1800s, most Americans were farmers. Today, hardly anyone is. What Happened to Farming? Simple: farming changed. Machines replaced muscle. Big machines took over the hard work. Big farms gobbled up small ones. Many farmers either moved to the city or found ways to upgrade – … Read more
I’ve often wondered about the connection between money and happiness. So I asked around – people doing well, people figuring it out… and anyone patient enough to answer my questions. And the pattern was surprisingly clear. This post is a reflection of these conversations. The truth about money and happiness They say money can’t buy … Read more
What if America wins back its factories – and loses its financial superpower status in the process? We all know the story: China builds stuff. America moves money. That’s been the case for years. China is the world’s factory – cranking out everything from smartphones and solar panels to your neighbor’s Halloween decorations. China makes … Read more
Everyone thinks they can do it: Buy low; sell high. Retire early. Go on CNBC and talk about it. But April 2025 has been a masterclass in why that almost never happens in real life – unless you have a crystal ball! Let’s look at a couple of examples. April 9: A 90-Day Pause and … Read more
We’ve seen this movie before. And like most sequels, it’s louder, flashier, and still misses the point. The dot-com boom of the late 1990s promised to change everything. Groceries, news, relationships – even dog food – suddenly had a .com slapped on it like gold stars on a kindergarten report card. Investors threw money at … Read more
Regular readers of this blog have seen a few bear markets with me. However, there is nothing regular about this bear market. The speed at which markets have fallen has been unnerving. Most banks are now forecasting a recession. Even if a recession is somehow avoided, there is definitely a slowdown in the economy ahead. … Read more