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Lessons on Building Wealth from 2019-2026: Winners and Losers
Real median household net worth in the United States surged by 68% between the fourth quarter (Q4) of 2019 and the second quarter (Q2) of 2026. This rise in median household net worth was largely driven by asset price appreciation. While median income edged up 2.5% in real terms (net of inflation), household balance sheets expanded through two primary asset classes: Equities (Stocks/ETFs/Mutual Funds) and Real Estate (Home/Rental Investment). Home equity plays a major role in a family’s balance sheet. The median housing value jumped 28% from $320,000 to $410,700 by mid-2026. The broader equity market also lifted net wealth. From December 31, 2019, to June 30, 2026, U.S. stocks…
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Going Beyond $2.6 Million in September to Close Out 2026
September 2026 cemented our climb to nearly multi-millionaire investment portfolio status.
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The Power of Time Valued Wealth
Investment repairs and setting goals. Building wealth has never been harder but we can make it through.
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Experiencing the Impact of the Financial Wall
No one prepares for the financial wall. It’s not just one of them but a set of micro thresholds that can have a positive or negative impact on your psyche. Like failures, there is always a cost for success. And today, we made +$75,000 on a day in the market. My hands were shaking… To be clear, it wasn’t a violent shake. It’s a slight, unsteady awareness that you might have gone too far. Or more accurately, further than you ever imagined. I mentioned this to the ladies on our financial podcast, “The Financial Griot.” I think we are mutation. Some deviant strand of what you should be. It might…
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How We Spent $1,000,000 in 6.5 Years: A Detailed Breakdown
Wow, we spent over $1 million. I’m just as shocked as you are. Most of my ideas come from spur-of-the-moment questions. Besides, it’s not like we spend it all at once. The expense total (represented by our cash outflows) runs from January 1, 2019, through June 8, 2026. In a technical sense, the total gross expenses tally all the transactions that hit our accounts. That’s still a lot over that timeframe, but it’s a bit refreshing to see. I don’t think most people run their numbers to see what’s really happening in their finances. For context, the median U.S. household spent an estimated $1.5 million in total expenditures from 1995…
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Falling Behind: The Economic State of Black Men, 2025
Black men are often left out of the conversation when it comes to their economic and social position in the United States. As a second pillar in a household and often the primary breadwinner, their contribution shouldn’t be overlooked, but alas, I have to write this because they/we are. With over 600,000 black men entering unemployment since November 2025, some experts expect the number to climb to a million by November 2026. There is a palpable degree of financial security and stability that Black men can provide in an era of rising costs, inflation, and global turmoil. Their absence may equal a structural and sustained collapse of black communities. At…
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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 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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We hit $2 Million in September! We made it!
September 2025 cemented our climb to multi-millionaire status.
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Understanding The Time Value of Building Real Wealth
Investment thunderstorms, repairs and setting goals. Building wealth has never been harder but we can make it through.
