Investing
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Do Docs Live Below the Poverty Line (and Some Random Thoughts)?
Officially, the poverty line in the US for a family of four is an income of $32,150. But in a…
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Rising Housing Prices – A Wealth of Common Sense
I found two new tools to look at the historical price increases of the various components that make up the…
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We’ve Never Felt So Rich, But Am I Losing Track Of Our Money? Wrapping up in 2025 and Our Goals for 2026
If we thought our life would reach some sort of steady state, 2025 was not the year yet. Our finances…
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Is Diversification Finally Working Again?
A student asks: I am a Bogle-DIY investor with a broad allocation with most of my money in a combination…
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Is It OK To Finance A New Car Now That You Can Deduct Interest?
As you may or may not know, the One Big Beautiful Bill Act (OBBBA) that was signed into law in…
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Why This Economic Cycle Is Different
I recently wrote a brief history of credit cards in America. Here is a brief summary of consumer spending in…
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The Midlife (Spending) Crisis.
The problem with many retirement calculators and spending rules is that they assume that life is fixed and static. In…
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Reduce Employee Benefits in Dentistry
Staff turnover in dentistry is nothing new, but in the past few years following the COVID pandemic, it has been…
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Salaries vs. Stock Market
I shared this chart recently about the fundamental breakdown of S&P 500 returns in 2025: The fact that the dividend…
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Animal Spirits: The Small Caps Are Back
Posted January 21, 2026 with Ben Carlson Today’s Animal Spirits are brought to you by YCharts and ClearBridge Investments: This…
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