The Space Between Frugality and Freedom
Most financial advice lives at the edges. It tells you to either save relentlessly or spend boldly, as if the […]
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Why Roth Conversions May Not Make Sense for Many $2M Retirees
What happens if you simply invest the taxes instead? A Question That Made Me Pause Recently I started thinking more
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15 Years Holding Energy Through the Cycle — What It Really Taught Me
About 15 years ago, I clicked “Buy” on an energy mutual fund inside my Roth IRA: Vanguard Energy Fund Investor
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Should You Worry About the Tax Bomb?
When I started Roth conversions in the 24% bracket, I assumed my pretax balance would shrink. Instead, it kept growing
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The General Who Lost the War: How Wu Xiubo Fell Into a $100 Million Contract Trap
Wu Xiubo was once one of China’s most successful actors. He bet his fortune on the TV series The Alliance
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When My I Bond Habit Had Done Its Job
For many years, I built a habit around inflation-protected savings — primarily through U.S. Series I Savings Bonds (“I Bonds”),
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The Cat’s Circle of Competence
Investing lessons often appear in unlikely places. In a city park, I began to notice a quiet pattern. Each stray
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Satellite Portfolio Update – January 2026
Note: I am renaming my Moonshot Portfolio to the Satellite Portfolio going forward. The intent is shifting from more speculation
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Why Munger Never Told You To “Sell Your Home Every Two Years”
A Lesson in Wealth, Stability, and Sanity There’s a popular idea floating around the internet—especially on YouTube—that Charlie Munger encouraged
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Rethinking Roth Conversions: Beyond the WSJ Headline
If you’re nearing retirement with a large traditional IRA, you may wonder: should you convert it all at once to
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