savings

Should You Buy Bonds Right Now?

By Jake Elm, CFP® , Financial Advisor

I know nothing gets people going like a newsletter about bonds. Please try to contain your excitement. But I have...
Topics: Investing

Are Younger Generations Screwed?

By Jake Elm, CFP® , Financial Advisor

Last week I received a thoughtful email from a reader in response to some of the data I shared about...
Topics: Economy, Finance 101

Is Everyone Making More Money?

By Jake Elm, CFP® , Financial Advisor

I had several conversations this past week where people have told me they’ve really started to feel the impact of...
Topics: Income

Are Vacations Overrated?

By Jake Elm, CFP® , Financial Advisor

Today I’m going to attempt something I don’t believe anyone has ever done in human history: push back on Big...
Topics: Spending, Work Life Balance

How Do People Afford This?

By Jake Elm, CFP® , Financial Advisor

Probably the most common phrase I hear uttered when having a conversation about the economy is: “How do people afford...
Topics: Economy, Finance 101

Better Off Than We Think

By Jake Elm, CFP® , Financial Advisor

College football officially started this past weekend. The NFL gets up and running this week. The weather is starting to...
Topics: Economy

Why You Need To Invest

By Jake Elm, CFP® , Financial Advisor

Last week, I wrote about young people turning to sports betting, day trading, and other speculative investments, partly because of...
Topics: Investing

Are You Investing or Gambling?

By Jake Elm, CFP® , Financial Advisor

Football is right around the corner. What’s also right around the corner is the flood of sports betting ads that...
Topics: Investing

Is Owning a Home Overrated?

By Jake Elm, CFP® , Financial Advisor

A while back, I wrote that while owning a home has traditionally been viewed as the cornerstone of Americans’ ability...
Topics: Market, Real Estate

Can Money Buy Happiness?

By Jake Elm, CFP® , Financial Advisor

Perhaps one of our most polarizing modern proverbs is “money can’t buy happiness.” I get the sense that whenever the...
Topics: Behavioral Finance

Nothing Works Forever

By Jake Elm, CFP® , Financial Advisor

One of the most dependable features of the stock market is that it’s cyclical. For much of the past decade,...
Topics: Market

Happy Birthday America

By Jake Elm, CFP® , Financial Advisor

In the year 1776, the average life expectancy was around 35 to 38 years old. In 2026, the average U.S....
Topics: Behavioral Finance