investment strategy Archives - Page 2 of 5

April 17, 2023May 5, 2023

The Great Comfort of Longevity in the Stock Market

Since the financial crisis of 2008, two dominant views on stock market investing have emerged:

Stock market investing is volatile and risky, akin to gambling.
Stock market investing is reliable and free money.

The Great Recession produced a decline in overall equity values in the range of 50%+ from 2007 to early 2009. The event created a lasting and widespread change in mindsets around personal finance, even what it means to be securely middle class. However, for those that stayed the course, the subsequent Great Bull Market produced exorbitant wealth for almost anyone investing in almost anything.

If there’s a lesson to be learned here, it’s that market growth and declines are cyclical. These cycles are influenced by a complex blend of fiscal policy, business practices, and perhaps most important of all—animal spirits: human behavior and emotion. To balance risk and reward, one should invest broadly in the market as a whole and increase the investing timeline. The latter in particular is easier said than done. In this post today, we quantify the power of longevity in the market. We have reason to rejoice, so long as we can hang on!

April 10, 2023April 9, 2023

What You Need to Know About Financial Advisors with Chris Mamula

Today on episode 60 I’m pleased to welcome back Chris Mamula, who you may recall from episode 3. Chris is a writer, author, and partner at CanIRetireYet.com, who achieved financial independence at age 41 to pursue a life centered around family and the outdoors.

Beginning in early 2022, in search of a new challenge, Chris completed the education and exam necessary to become a Certified Financial Planner (CFP). Two questions emerge from this development:

Why would someone who theoretically doesn’t need to work begin a new career?
How can someone who harbors admittedly dogmatic views against the financial advice industry find a comfortable home working in this field?

Today we discuss the different kinds of financial advisors, the nature of complex incentives in professional financial advice, Chris’s recommended approach to choosing a financial advisor, and so much more about behavior, psychology, and the tangled emotions of money management.

January 30, 2023January 31, 2023

Lee Cujes: No Free Lunch on the Life We Really Want

Today on episode 53 I’m pleased to welcome back Lee Cujes, this time as a podcast guest. Some of you may recall the written interview with Lee back in late 2020. Lee is an elite Australian climber and route developer, with multiple 5.13+ and 5.14 first ascents to his name. But most importantly as it relates to this platform, Lee has managed to climb and develop routes continuously while carving a unique career niche and embracing a long-term investing strategy, an approach that provides the ultimate work and life balance.

December 19, 2022December 18, 2022

QA9: What Is the Point of Financial Optimization?

We’re back to the digital mailbag to answer your questions!

For this week:

Hot Seat Questions: My favorite blogs, podcasts, articles, and books. Musings on my biggest financial mistakes and the advice I’d give my younger self.
How do my wife and I keep meaning and purpose in our lives without traditional careers?
To sell or not to sell a home that was purchased in 2021
How to sell investments and minimize taxes
The proper hierarchy of investment accounts
Roth vs Traditional 401(k): Which is better?
I-Bonds: Should we be buying more?
Saving strategies for a home down payment
Receiving inheritance in a foreign currency
Critical nuance on withdrawal strategies in a high inflation/poor market return environment
So much more!

June 6, 2022June 5, 2022

Is the Real Estate Investment Boom Killing US Housing Affordability?

Find me a person who can talk and you’ll find someone with an opinion on the housing market or real estate investment. And most of those opinions—even from happily settled homeowners—bear the tones of suspicion at best and downright defeat at worst.

Housing prices have skyrocketed a staggering 34% nationwide over the past two years. This rate is essentially an order of magnitude higher than historical home price appreciation. Certain markets are arguably out of hand (to use a technical term). Take Boise, Idaho, where prices are considered 73% overvalued.

Is the booming real estate investment trend at least partially to blame?

May 16, 2022May 20, 2022

This is the Wild Ride We Signed Up For

To date, 2022 has been a bad year for the stock market. As long-term investors, this is the wild ride we signed up for.

May 2, 2022May 2, 2022

EP 31: Your Questions Answered: Volume 5

Ok! We’re back to the digital mailbag to answer your questions.

In this Q&A episode we take a deeper dive on I Bonds, forming a solid plan for our financial lives, how to catch up on saving later in life, ideas on how to free up time from the many distractions in our lives, my daily structure and routines, and the best way to invest for compound growth.

April 25, 2022April 26, 2022

EP 30: Charitable Giving and Macroeconomics with Brice Karickhoff

Brice Karickhoff is a climber and development economist with a passion for charitable giving. In this episode we discuss the importance of balanced saving and giving, the utility of the donor-advised fund, and broader macroeconomic trends that affect us all.

April 11, 2022April 10, 2022

EP 29: Back in the Weeds with the Frugal Professor

Today on episode 29 I want to welcome back to Clipping Chains writer, climber, father of five, and fellow personal finance geek, The Frugal Professor.

We cover it all on this one, from how the Frugal Professor was able to save nearly $2 million dollars with a family of seven, to how my wife and I are continuing to navigate a post-Financial Independence life.

March 28, 2022March 27, 2022

EP 27: Homes and Vans with Tien and Brandon Rooney

Today on episode 27 we are taking a deeper dive on real estate investing with climbers Tien and Brandon Rooney of Five Twelve Real Estate. This couple shares a very intriguing history, spanning from college athletics to corporate world wake-up calls, the latter of which inspired them to uproot their lives and teach and travel throughout Asia.

Eventually, looking to rekindle the youthful days of travel and freedom, Tien and Brandon turned to real estate investment as a way to fast-track their path to financial independence. They even moved into a van full-time to further optimize their financial journey.

We carefully examine the many methods of real estate investment, including some key tips for first-time home buyers. Find out if this path is for you!