Philosophy
Mindset, values, and the relationship between money and life
Week 13 Day 1: You Now Know More Than 90% of People
Budgeting, compounding, the Rule of 72, index investing, fees, the 4% Rule, and sequence risk. These seven concepts put you ahead of nearly everyone....
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View lesson →Week 13 Day 2: The Three Things That Actually Matter
In 12 weeks of study, three things matter more than everything else: (1) start now, (2) automate everything, (3) do not stop....
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View lesson →Week 13 Day 3: Your Savings Rate Is Your Superpower
The percentage of your income that you invest matters more than what you invest in. A 20% savings rate in index funds will make you wealthy. A 5% rate in the be...
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View lesson →Week 13 Day 4: What Q2 Will Teach You
Q1 taught you how money grows. Q2 will teach you where to put it: the different containers -- 401(k), Roth IRA, brokerage -- and what goes in each....
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View lesson →Week 13 Day 5: The Checklist So Far
The Q1 checklist: (1) Track spending, (2) Build emergency fund, (3) Open brokerage account, (4) Automate investing, (5) Turn on DRIP, (6) Minimize fees. Where a...
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View lesson →Week 13 Day 6: The Cost of Waiting One More Year
Every year you delay investing costs more than the last. At 7%, a $10,000 delay at age 25 costs $150,000 at retirement. At 35, the same delay costs $76,000. Sta...
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View lesson →Week 13 Day 7: You Are Ready for the Next Level
Q1 complete. You understand how money grows, what threatens it, and why starting now beats everything else. Q2 starts Monday. We are just getting started....
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View lesson →Week 24 Day 1: The Lindy Effect: Old Is Stronger Than New
The longer something has survived, the longer it is likely to survive. A book in print for 100 years will likely be in print for another 100. An investment stra...
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View lesson →Week 24 Day 2: Why 'This Time Is Different' Is Always Wrong
The four most expensive words in investing are 'this time is different.' Every bubble, every crash, every revolution in finance -- someone claimed permanence. T...
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View lesson →Week 24 Day 3: Simple Beats Complex, Every Time
The most sophisticated hedge funds with Nobel Prize-winning quants, AI systems, and billion-dollar technology budgets trail a simple S&P 500 index fund more oft...
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View lesson →Week 24 Day 4: The Survivorship Trap: You Only See the Winners
For every fund that beat the market, dozens quietly closed. For every crypto that mooned, hundreds went to zero. You see the survivors and think the odds are be...
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View lesson →Week 24 Day 5: Narrative vs Numbers: Trust the Data
A compelling story is worth less than a boring spreadsheet. The most expensive investment mistakes happen when a great narrative overrides basic math....
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View lesson →Week 24 Day 6: The KISS Portfolio: Keep Investing Simple, Seriously
Two or three index funds, automatic monthly contributions, annual rebalancing. That is the entire strategy. It beats 90% of professionals and 99% of amateurs. D...
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View lesson →Week 24 Day 7: Trust the Process: 100 Years of Evidence Says Stay the Course
Since 1926, the U.S. stock market has survived the Great Depression, World War II, the Cold War, Vietnam, Watergate, stagflation, AIDS, 9/11, the financial cris...
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View lesson →Week 32 Day 1: The Coffee Can Portfolio: The Power of Doing Nothing
In the 1950s, people put stock certificates in a coffee can and forgot about them for decades. No trading, no rebalancing, no watching CNBC. The coffee can appr...
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View lesson →Week 32 Day 2: The Tax Advantage of Never Selling
Every time you sell a profitable investment, you owe capital gains tax (15-20%). If you never sell, you never pay. Unrealized gains compound tax-free, growing y...
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View lesson →Week 32 Day 3: Doing Nothing Is the Hardest Part
You spent months learning about investing. You have a plan. Everything is automated. Now the hardest part begins: doing absolutely nothing. The urge to tinker, ...
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View lesson →Week 32 Day 4: The Wealth of Boring Portfolios
The portfolios that build the most wealth are the ones no one talks about at dinner parties. 'I own VTI and do nothing' does not make for interesting conversati...
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View lesson →Week 32 Day 5: The 10-Year Rule: Judge Results, Not Feelings
Any investment strategy can look wrong for 1, 2, or even 5 years. Only measure performance over 10+ years. Short-term underperformance is noise. Long-term under...
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View lesson →Week 32 Day 6: The Paradox of Patience: The Less You Look, The More You Earn
Investors who check their portfolio daily earn less than those who check quarterly, who earn less than those who check annually. More frequent monitoring leads ...
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View lesson →Week 32 Day 7: The Coffee Can Challenge: Five Minutes, Then Walk Away
This week's challenge: verify your investment automation, set your monitoring schedule (quarterly), delete your brokerage app from your phone, and commit to doi...
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View lesson →Week 37 Day 1: Lifestyle Inflation: The Silent Wealth Killer
Every raise, bonus, and promotion comes with a temptation: upgrade your lifestyle. New car. Bigger house. Nicer restaurants. This is lifestyle inflation, and it...
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View lesson →Week 37 Day 2: The Latte Factor Is Real (When Multiplied by Time)
Small, recurring expenses seem insignificant. Five dollars for coffee. Ten dollars for streaming. Fifteen dollars for subscriptions you forgot about. Individual...
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View lesson →Week 37 Day 3: The True Cost of Objects: Ownership Over Time
The price tag is a fraction of the true cost. A $30,000 car costs $30,000 plus insurance, maintenance, depreciation, fuel, and lost investment returns on that $...
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View lesson →Week 37 Day 4: The Wealth Equation: Income Minus Spending Equals Freedom
Wealth is not what you earn. It is what you keep. A surgeon earning $500,000 with $490,000 in expenses has less wealth-building capacity than a teacher earning ...
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View lesson →Week 37 Day 5: Hedonic Adaptation: The Happiness Treadmill
The new thing makes you happy. Then it becomes normal. Then you need a newer, better thing to feel happy again. This is the hedonic treadmill: a perpetual cycle...
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View lesson →Week 37 Day 6: The Millionaire Next Door: Wealth Is Invisible
The person driving the Ferrari may be in debt. The person driving the used Camry may be a millionaire. You cannot see wealth. You can only see spending. Most tr...
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View lesson →Week 37 Day 7: The Enough Number: When More Stops Mattering
At some point, more money stops meaningfully improving your life. Finding your 'enough number' -- the level of spending that funds a life you genuinely enjoy --...
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View lesson →Week 38 Day 1: The Magic Number Myth: $1 Million Is Not What It Used to Be
Financial media sells the idea of a single magic retirement number: $1 million, $2 million, $5 million. But a single number without context is meaningless. $1 m...
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View lesson →Week 38 Day 2: The Three-Bucket Retirement: Short, Medium, and Long
Instead of one pile of money, organize retirement savings into three buckets: 1-3 years of spending in cash (safety), 3-10 years in bonds (stability), and 10+ y...
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View lesson →Week 38 Day 3: Retirement Phases: Go-Go, Slow-Go, and No-Go
Retirement is not 30 years of identical spending. It has phases: Go-Go (early retirement, active travel, high spending), Slow-Go (mid-retirement, less travel, m...
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View lesson →Week 38 Day 4: The Crossover Point: When Passive Income Exceeds Expenses
Financial independence is not a number. It is a point: the crossover point where your investment income (dividends, interest, capital gains) exceeds your expens...
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View lesson →Week 38 Day 5: Retirement Income Sources: Building Multiple Streams
Do not depend on a single income source in retirement. Build layers: Social Security provides a floor. Pension (if available) adds stability. Portfolio withdraw...
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View lesson →Week 38 Day 6: The Retirement Stress Test: What Happens When Things Go Wrong
Every retirement plan works in a bull market. The real test is whether it survives a bear market, a health crisis, a divorce, or a decade of low returns -- all ...
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View lesson →Week 38 Day 7: Your Personal Retirement Dashboard: The Numbers That Matter
Forget the single magic number. Build a personal dashboard with the metrics that actually determine retirement success: savings rate, withdrawal rate, portfolio...
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View lesson →Week 39 Day 1: Q3 Review: The 13 Cognitive Biases That Steal Your Returns
Over the past 13 weeks, we explored the psychological traps that turn smart people into poor investors. Sunk costs, loss aversion, confirmation bias, herding, o...
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View lesson →Week 39 Day 2: The Behavioral Alpha Framework: Turning Bias Knowledge into Returns
Knowing about biases is not enough. You need a system to convert bias awareness into actual portfolio returns. This framework organizes the behavioral defenses ...
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View lesson →Week 39 Day 3: Fear: The Most Expensive Emotion in Investing
Fear sells stocks at the bottom. Fear keeps money in cash during bull markets. Fear prevents people from investing at all. Every dollar lost to a panic sell, ev...
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View lesson →Week 39 Day 4: Greed: Fear's Mirror Image and Equally Destructive Twin
If fear sells the bottom, greed buys the top. Greed makes you chase performance, overconcentrate in hot assets, and take risk that is inappropriate for your tim...
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View lesson →Week 39 Day 5: The Stoic Investor: Emotional Detachment as a Financial Strategy
The Stoics taught that you cannot control external events, only your response. The market will crash. Your stocks will drop. Headlines will scream. You cannot c...
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View lesson →Week 39 Day 6: The Psychology of Patience: Why Long-Term Wins
The stock market rewards patience and punishes impatience. Over one-day horizons, stocks are roughly a coin flip. Over one-year horizons, stocks are positive ap...
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View lesson →Week 39 Day 7: Q3 Final: Your Behavioral Investment System
This quarter gave you the map of every psychological trap in investing and the tools to avoid them. The system is simple: automate contributions, diversify broa...
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View lesson →Master Philosophy
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