Terrific 2025 Returns

Frequent contributor, Klaus Wentzel, mentioned that his dividend-driven portfolio was roughly +8.5% in 2025, after netting out the year’s living expenses. I’m watching the Sugar Bowl right now, so I thought I would add up how our portfolio ended the year. For benchmark’s sake, the S&P 500 was +16.6% (x-dividends) and the bond market (VBMFX) was +3.0%. We finished the year with a pleasing +14.3% … Continue reading Terrific 2025 Returns

Millennials May Prove To Be The Best Generation With Their Finances

The media and politicians love to plant the seeds of discord between generations. Younger generations are alternately presented as either victims of the current power structure, and/or helplessly unprepared or unwilling to live in the “real world “. I have found that nothing is further from the truth. Younger generations tend to be smarter, more diligent, and better prepared for the futures than the generations … Continue reading Millennials May Prove To Be The Best Generation With Their Finances

Really BAD Financial Advice

If you follow personal finance news at all, you may have recently seen Suze Orman making headlines by throwing up all over the FIRE (financially independent & retired early) movement.  When it comes to FIRE, she says she “Hates it. Hates it. Hates it.” and it may be the “dumbest personal finance decision” people can make. I’ve written before about Orman’s highly suspect financial expertise and … Continue reading Really BAD Financial Advice