Category: Inflation
I am a CPA Candidate sharing my experience building my portfolio while in my 20s. During this process of sharing information online I hope to increase free financial literacy access for all.
-
How to Reach a 100K Net Worth by Age 25
Hitting a six‑figure net worth by your mid‑twenties is a milestone that inspires both admiration and skepticism. While headlines trumpet twenty‑somethings with $100,000 portfolios, the reality is that most young adults are nowhere near that level of wealth. The U.S. Census Bureau’s Survey of Income and Program Participation shows that the median net worth for…
-
How to Diversify with Global Investment Strategies
For decades, U.S. equities have been the backbone of many investors’ portfolios. The S&P 500, with its concentration of innovative companies and deep liquidity, has often outperformed international peers. But in 2025, the narrative has begun to shift. With the U.S. dollar declining in value this year and foreign stock markets outperforming on a dollar-adjusted…
-
Should I Add Bitcoin to My Portfolio?
“Should I own some bitcoin?” has quietly become one of the most common portfolio questions of the last few years. To answer it well, you don’t need tribalism or memes, you need a clear understanding of what cryptocurrency is, what makes Bitcoin different, how it can (and can’t) help a diversified portfolio, and what risks…
-
Building a 50/30/20 Portfolio as a Boglehead Investor
One of the most common frameworks in personal finance is the 50/30/20 budget rule: 50% of income goes toward needs, 30% toward wants, and 20% toward savings. But what if you flipped that logic and used it as a way to structure your investment portfolio? That’s where the 50/30/20 portfolio comes in. As a Boglehead-style…
-
Future Value Calculator
Investing your money is one of the smartest financial decisions you can make. Whether you’re saving for retirement, planning a major purchase, or simply building your wealth, understanding the future value of your investments is crucial. With our Future Value Calculator, you can easily calculate how much your periodic investments will grow over time, helping…
-
The Rise of the 50/30/20 Portfolio Allocation
In the world of personal finance and investment strategy, portfolio allocation remains a cornerstone of wealth building. For decades, conventional wisdom has prescribed variations of the 60/40 portfolio—60% equities, 40% bonds—as the go-to mix for balanced, long-term investing. In recent years, that allocation has started to show its age, especially in the face of prolonged…
-
How to Stay the Course During Market Volatility
Market volatility can trigger strong emotional responses that lead many investors to make costly mistakes. When markets plummet, it’s natural to feel anxious and consider selling investments to prevent further losses. Staying the course during market turbulence is often the most prudent approach for long-term investors, as historically, markets have always recovered and reached new…
-
How to Grow a 3-Fund Dividend Portfolio?
Building a 3-fund dividend portfolio offers a straightforward path to generating dividend income while maintaining simplicity in your investment strategy. By carefully selecting three complementary funds, you can create a balanced approach that provides regular dividend payments without requiring constant portfolio adjustments. Creating a successful 3-fund dividend portfolio requires focusing on total return potential rather…
-
Boglehead 3-Fund Portfolio vs 4-Fund Portfolio
Investors seeking straightforward, low-cost investment strategies often encounter the Boglehead approach, inspired by Vanguard founder Jack Bogle’s principles of simplicity and diversification. The classic Three-Fund Portfolio consists of domestic stocks, international stocks, and U.S. bonds—creating a globally diversified investment mix with minimal complexity. Adding a fourth fund, typically international bonds or TIPS, can potentially enhance…
-
6 Defensive Assets for Your Portfolio in 2025
As economic uncertainties increase, preparing your portfolio for potential market downturns becomes essential. Recent market volatility has already wiped out $4 trillion in stock market value, highlighting the importance of adding defensive assets to your portfolio in 2025. Knowing which assets can provide stability during economic turbulence can help protect your wealth and potentially offer…