Hello Reader, Happy Wednesday! “Why don’t we invest in bonds?” my wife asked. Fair question. Most advice says “go all stocks when you’re young,” but that’s not the whole story. We pulled up our plan and walked through the trade-offs. In your 30s, you likely have a long runway (20–30 years). Over long periods, stocks have historically returned more than bonds, but with bigger, scarier drops along the way. Bonds usually return less, but they steady the ride and give you something to rebalance...

Hello Reader, Happy Wednesday! If you’ve ever Googled how to invest, you’ve probably heard the advice: “Just buy index funds.” Sounds simple, right? But then you search for index funds… and there are hundreds. Maybe thousands. What exactly are you supposed to buy? Today, I’m breaking it down so you can make smarter, more confident decisions — even if you’re just getting started. First, what’s an index fund? An index fund is a low-cost way to invest in a basket of stocks or bonds that track a...

That $10K in credit card debt isn’t just draining your wallet—it’s killing your chances of homeownership. Here’s how to break free and build wealth.