Updated July 2026: HYSA rates have fallen further since this was written. The Fed has held at 3.50–3.75% through four consecutive 2026 meetings — no additional cuts materialized as expected.…
Updated July 2026: The charitable deduction changes described in this post are enacted and in effect for 2026. The 0.5% AGI floor on itemized charitable deductions applies now. The revival…
Updated July 2026: Major estate tax update: the OBBBA permanently raised the federal estate and gift tax exemption to $15 million per person ($30 million per married couple) for 2026,…
As of this week, Jerome Powell is running out of time at the Federal Reserve. His term as chair ends May 15. The Senate Banking Committee voted April 29 to…
The question keeping millions of prospective buyers frozen: when are rates coming back down to 3%? The honest answer, based on what economists and monetary policymakers are currently projecting, is…
Updated July 2026: Key detail to add since publication: the $40,000 SALT cap phases down above $500,000 MAGI — specifically, the deduction limit is reduced by 30 cents for every…
I’ve been watching the tariff coverage closely since early 2025 and noticed something that I think is causing more confusion than the tariffs themselves: the numbers being cited are wildly…
Part 10 of the Rational Compounding Framework Somewhere in the past decade, financial content stopped being about building wealth and became about maintaining engagement. The two goals are not compatible.…
Note: This post was written in 2024 and is Part 9 of the Rational Compounding Framework series. Job market figures referenced reflect 2024 conditions. The framework for thinking about income…
Part 8 of the Rational Compounding Framework Here’s something that took me an embarrassingly long time to understand: getting from zero to $1 million and getting from $1 million to…
