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All’s Fair in Love, Tariffs, Stagflation and War
All is Fair in Love, Trump, Tariff Wars, Stagflation, and Nvidia earnings. Since we can't predict the future best thing to do now is to inflation-proof your net worth. Beyond that, hold tight.
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Retiring Early vs. $3 Million: Is It Better to Keep Working At that Price?
Recently, I was asked, “Why would you forgo your highest earning years in favor of retiring early?” Obviously, I never thought about it like that. The infinite wisdom of a random social media commenter truly changed my life… Nah. For one, I don’t think they understood how meticulous I could be regarding financial planning. I don’t know one person who retired and isn’t struggling financially, so I understand the caution. Being second-generation Haitian narrows the number of successful retirees to an elite few. Do Haitian-Americans retire? Sure. Maybe? Have I seen it? Not really. Do they even have enough money to really say that they retired? Nope. Most of their…
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How to Stay on Track to Reach Early Retirement
Not sure how the rest will manage working for an extra 25 years, we are out on early retirement in 6 years. At least that's the goal. Will we reach $5 million? Maybe or maybe not, at least we have a goal versus no goal at all.
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The U.S. Kicked Off the New Year with $1 Trillion in Gains!
Coming off of a rough 2022, a stellar 2023-2024, and a rocky 2025. 2026 should be challenging.
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Another Great Year for Investors, All Things Considered
Just a couple trying to retire with $5M invested assets.
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How to Set Up $2.5M Financial Goal in 2026
Coming off of 2020-2021 with $200k net worth increases year over year, the market slowed drastically for 2022 and 2023. 2024-2028 is looking promising for stocks. With my estimation holding at an average of 18% annually. Translation. It's still a great time to invest for the future. Even if there are down times here and there.
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How We Gained +$20,000 Worth of Wealth in December
A December Santa Claus Rally could have helped sweeten 2025 but Santa was drunk (Again). Our stock performance bumped up 20% for the year though, and our net worth followed. New year coming up with better goals.
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How Do We Make Our Annual Vacation Affordable? We Started with a Financial Plan.
Building wealth is easier when investments are booming. November 2025 clawed back some investment wealth but we will make it up in 2026. The Independence 2026 Rally is loading!
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Which is Better Generational Renting or a 50-year Mortgage?
Recently, Ms. Constance Carter, Wealth Advocate, wrote an opinion piece on “the 50-Year Mortgage Is a Trap, not a Path to Black Wealth.” She goes at length into contextually the 50-year home loan as a bondage, but that’s not accurate. Considering you can pay off your debt as soon as possible through expedited payments with your lender, her Op-Ed is far from accurate. Go beyond that, her attack on home ownership seems negligent to the point of full advocacy of becoming generational renters. Since the peak in 1860, black homeownership plateaued at around 44%. This wouldn’t be so bad if most of that ownership centered around the Boomer generation. You…
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How to Prepare Financially for the Next Government Shutdown
Wow the 2025 Government shutdown lasted longer than we thought it would. Time to prepare financially for the next one in 2026.
