An educational resource for people who want to invest wisely—without unnecessary complexity or “secret strategies.” The site breaks down the mechanics of investing: index funds, dividend-paying stocks, tax optimization, retirement accounts, and real estate as an investment vehicle.
The worst 60/40 year in history was 2022: down 16%. Then 2023 returned 17%. The framework isn't broken — it just requires patience most don't have.
A 3% muni yield is a 4.76% taxable equivalent at the 37% bracket. For anyone above the 24% bracket, munis usually win in taxable accounts.