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Investing

Your Survival Guy in Paris: Time Stand Still

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One of the more misunderstood components of compound interest is time. Everyone understands the rate of return. It’s all you hear about, from your uncles to your nephews. “What did it return this year?” they ask. Time, on the other hand, is boring except when you do it over a couple of generations. Then it […]

The Most Beautiful Trips I Took Were Through…

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Growing up, Your Survival Guy’s mom would always talk about prior planning. It would often revolve around a vacation we felt lucky to be taking. “Prior planning,” she would say with a smile, hardly believing it herself, deep down knowing how hard it was to spend the money. When you learn at an early age […]

Are You Ready to Calculate Your Income Potential?

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You read here about how hard it can be to spend money, especially in retirement. It’s not easy for successful Americans on Main Street, to whom I write, to let go of the purse strings. When you spend your entire adult life working and saving, it’s hard to let go—to rely on other sources of […]

How You Know If You’re Spending Too Much

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When my mom and dad come over for dinner, they will always bring something. Last week, it was tomatoes they grew in their garden, a delicious cheese, and cookies. What makes the gifts even better is my mom’s excitement about each one. “You won’t believe how good the tomatoes are this year,” she said. “I […]

JD Vance Wins Debate Over Weak Harris Administration

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JD Vance clearly won last night’s debate. It wasn’t even close. He looked into the camera and explained to Americans the problems with the “Harris Administration”—the administration that’s been M.I.A on Main Street. Walz was overmatched, apologizing for misspeaking about trips abroad like he’s the lead player in “Where’s Waldo?” And the moderators acted like […]

Is Your Lazy Cash Working for You?

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Is your lazy cash working for you, or is it sitting on your couch? Because taking action and beating inertia is no easy task. In a recent report, we learned that many investors rolling over their 401(k)s to IRAs didn’t realize the initial balance was held in cash. That’s not a terrible place to be […]

What the Fed Rate Cut Means to You Part: VI

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Now that the Fed has begun its rate cut crusade, you don’t want to wake up sometime down the road and realize you have no return on your cash. You and I have been talking about getting your lazy cash off the couch and working. Money market assets have gathered trillions of dollars and continue […]

How You Livin’? My Golf Injury and Fishing

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OK, YSG is on the shelf. No more golf for me. In August, I pulled some muscles between my ribs that I didn’t know I had. Note to self: maybe don’t swing so hard. One of the reasons for the injury is playing too much golf. Here’s the backstory. This year, one of my best […]

What the Fed Rate Cut Means to You: Part V

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When you look at the abysmal track record of the Fed when it begins rate cuts of 50 basis points, it’s like boating in the fog. It doesn’t matter if you have the best navigational equipment. It’s not fun. Having been stuck in thick fog myself, I can tell you that minutes feel like hours, […]