Seven years ago, I started my firm to address a specific need: helping millennials. I had the idea by just looking around me. Following the Great Recession, there were smart, hard-working young professionals saddled in student loan debt struggling to start their adult lives in a beaten down economy. I believed I could make an[…]
I am old enough to remember the last time you could earn more than 5% interest on your cash. Prior to the Great Recession, instruments such as CDs, money-market funds, and Treasury bills actually yielded returns above zero. That was more than 14 years ago–a significant span of time for investors to forget the sensation[…]
Until last weekend, I had never been to the Hamptons. Even though I’m from Boca Raton, I’m now pretty much a Jersey Shore guy who, as they say, pumps fists not gas. But through the power of the internet and thoughtfulness of a friend, Heather and I found ourselves in Southampton attending Uncharted 2023, a[…]
Last week, my friend and neighbor had me as a guest on his new podcast, I Took a Hike. The premise is what it seems: Darren conducts interviews on a hike. Even though I’ve recorded many podcasts, I found the format intriguing. I won’t ruin the episode, but I was amazed with what took place[…]
I guess you could say I am a creature of habit. Throughout my life, when I find a system that works for me, I lean in hard. In high school, for example, I wore nothing but horizontally striped Polo shirts and Abercrombie cargo shorts. In college, I graduated to Lacoste shirts and dropped the “cargo”[…]
Graduation season is here. To quote legendary Sob Rocker John Mayer, “Welcome to the real word she said to me. Condescendingly.” *cringes* According to the Education Data Initiative, 19.5% of college graduates will obtain a bachelor’s degree in business, which means a lot of business degrees. On Twitter, I’ve joked that there’s no better way[…]
Cryptocurrency is known for its ever-evolving landscape, and sure enough, a fresh coin has emerged to capture the attention of enthusiasts and skeptics alike. Pepe, the newest and hottest “meme coin” boasts a market cap of more than 750 million dollars at the time of publishing this post…
In 2016, my wife and I had the opportunity to refinance more than $350,000 in graduate student loans through First Republic Bank. The day we locked in a 15-year note at an astonishingly low rate of 2.95% will be forever ingrained in our lives. The refi underscored a financial turning point for our family, coinciding[…]
Twitter doesn’t like Substack, so we made a work around. Click on the image below!Lately, my Instagram feed has become inundated with the most gorgeous AI-generated architecture and interior design I’ve ever seen. I get lost swiping through carousels of mid-century modern spaces draped in luscious greenscaping with floor-to-ceiling windows set in elegant natural woods. The[…]
The blog as moved to Substack as This is the Top. Everything’s unprecedented. In 2008, I moved from Florida to New York City to watch the global economy fall apart. I was 24 and just starting my career in personal finance. They were “unprecedented times,” a term that keeps applying to millennials and our challenges[…]