Archive

Dive into a collection of past posts and rediscover timeless content.

You Think You Own the Whole Market. You Mostly Own Ten Stocks.

On paper you own 500 companies. In practice, about $41,000 of every $100,000 rides on ten names.

Jul 18, 2026

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3 min read

You Think You Own the Whole Market. You Mostly Own Ten Stocks.

You Spent Two Years Waiting for a Rate Cut. This Week It Got Cancelled.

A cool inflation report changed nothing. The only debate left at the Fed is hold or hike, and it goes quiet for ten days.

Jul 17, 2026

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3 min read

You Spent Two Years Waiting for a Rate Cut. This Week It Got Cancelled.

My Sister Called Me Last Night. She Just Did the Math on Her Son’s Phone Bill.

He is 34, married, working, and just had his first kid. She has been paying for his cell line since 2014. She had never once run the total. The Federal Reserve just quantified how common this is.

Jul 16, 2026

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4 min read

My Sister Called Me Last Night. She Just Did the Math on Her Son’s Phone Bill.

Inflation Just Had Its Best Day in Six Years. Your Credit Card Didn’t Notice.

CPI fell to 3.5% yesterday, the biggest monthly drop since April 2020. But credit card APRs are frozen at 23.79%, unchanged two months running. Here is what the good headline changes for your wallet, and what it doesn't.

Jul 15, 2026

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3 min read

Inflation Just Had Its Best Day in Six Years. Your Credit Card Didn’t Notice.

My Brother-in-Law Asked If the Banks Were in Trouble. I Told Him He Was.

Five mega banks report record Q2 earnings today. The average savings account still pays 0.38%. That gap is their profit margin on your money.

Jul 14, 2026

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3 min read

My Brother-in-Law Asked If the Banks Were in Trouble. I Told Him He Was.