Blog Posts

Tax Rules That Help You Invest? – Pay Off Debt Or Invest Early Series

(This is a post series on a complicated topic. I will be the first to say debt is an incredibly emotional concept and there is no “right answer” for anyone. Similar to my discussions around asset allocation to bonds/equities, each individual has to take stock of their own behavior when it comes to both debt and stock market volatility. Despite the above, I believe there is typically a theoretical optimal approach if an unemotional robot were to apply financial models

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What About Low Investment Returns and High Interest Rates? – Pay off Debt or Invest Early Series

(This is a post series on a complicated topic. I will be the first to say debt is an incredibly emotional concept and there is no “right answer” for anyone. Similar to my discussions around asset allocation to bonds/equities, each individual has to reflect on their own behavior when it comes to both debt and stock market volatility. These posts are not blanket advice on debt management to everyone. Despite the above, I believe there is typically a theoretical optimal

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The Rent To Own Retirement Plan – Pay Off Debt or Invest Early Series

(This is a post series on a complicated topic. I will be the first to say debt is an incredibly emotional concept and there is no “right answer” for anyone. Similar to my discussions around asset allocation to bonds/equities, each individual has to reflect on their own behavior when it comes to both debt and stock market volatility. These posts are not blanket advice on debt management to everyone. Despite the above, I believe there is typically a theoretical optimal

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Pay Off  Debt or Invest Early? The Intro

(This is a post series on a complicated topic. It will focus on traditional “good debt” forms such as student and mortgage debt. I will be the first to say debt is an incredibly emotional concept and there is no “right answer” for anyone. Similar to my discussions around asset allocation to bonds/equities, each individual has to reflect on their own behavior when it comes to both debt and stock market volatility. Despite the above, I believe there is typically

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Comprehensive Finance Book List

Sorry for the long hiatus! Summer is a hard time of year to motivate myself to write as there is always something to do. I’ve had a great time with family and have enjoyed my summer reading as always. My writing sabbatical made me think a book list might be helpful for those wanting to increase their financial knowledge. There are tons of finance books out there and this list is by no means exhaustive. I have personally read everything

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Investing Basics Stocks – Categories, Capital Structure and Theory Behind Outperformance

This is a continuation of the last post discussing basic financial principles as it applies to individual stocks. Read Part 1 first if you haven’t already There are many ways to describe a stock/business, but the 3 major categories are: the market cap size, the sector and geographic location. Market Capitalization Market cap size refers to the overall quoted value of the stock. Market Cap = the stock’s trading price X the total number of outstanding shares of the company.

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Investing Basics – What is A Stock and What Happens to Profits?

My last post talked about deciding upon a 100% stock allocation as I was starting out on our investment journey. I failed to mention that before making this bold decision, I spent an enormous amount of time reading about stocks, profits and their valuation principles. It seems a bit daunting to try and learn investment concepts when you are starting from square one. I decided it was probably best to learn it in a similar fashion to medicine, which meant

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Basic Asset Allocation and Risk Tolerance (cont’d) – My Road To Financial Independence Series

This  post  completes the discussion of risk tolerance and is the 3rd post in a multi-post series walking through all the key financial decisions that led to financial independence in our 30’s. Make sure you read them in order as each post builds on the last.  Don’t Fight Your Emotional Self – Find Coping Mechanisms Based upon my tolerance for volatility in poker and my strong belief in Stocks for the Long Run, I was ready to start our investment portfolio

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Basic Asset Allocation and Risk Tolerance – My Road To Financial Independence Series

This is the 2nd post in a multi-post series walking through all the key financial decisions that led to financial independence in our 30’s along with a few mistakes along the way! Make sure you read them in order as each post builds on the last. As discussed in the first post, I spent a substantial part of my 2nd year medical residency working out my fundamental investment belief system before investing a single dollar. I poured over financially blog

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