When Does Federal Debt Reach Unsustainable Levels? | On TACO Trades, Stock Market Vigilantes, Trump Puts … Whatever You Wanna Call It | How Social Media Brings Out The Worst In Us | The Synchronicity of Life | Almost Every Financial Planning Decision Requires Judgment

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At Mindful Money, our mission has always been to empower you with the tools, knowledge, and clarity you need to build a life of financial well-being. As many of you know, I’m deeply committed to making Mindful Money a self-sustaining entity—one that can continue to offer guidance and support for years to come—while keeping our

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Growing up on a farm in Ohio, I learned a lot… but there was one vital realm of wisdom that I never came close to in my youth: Money.

What I knew of money was how to make the most of free food, when to hunt for lost pennies under floor mats in the car, that heat during winter is a luxury. When the money lessons you’re exposed to early on are set in a land of scarcity and lacking, the idea of a higher level of operation—one of progress, abundance, and even wealth—is simply unimaginable.

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Being Happier Costs Nothing | Why We Struggle | Fees Sorted Well in 2024 | Full Steam Ahead: All Aboard Fiscal Dominance | Charted: The Pyramid of S&P 500 Returns (1874-2024)

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Inflation is a reality we can’t ignore, but we don’t have to let it derail our financial goals. If you’ve read these missives for a while, you know I always come back to the same principles: intentionality, awareness, and long-term thinking. While inflation makes things more expensive, it’s our plan and the implementation of that

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Here we are, again, in the midst of market turbulence… As a reminder, the average annual peak-to-trough decline in the S&P 500 is nearly 15%. This means that every year the market drops at some point (from a high point to a low point within the year) by an average of 15% – some years

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Investing can often feel like navigating a vast, unpredictable ocean. Markets rise and fall, news headlines shift sentiment, and even seasoned investors can find themselves questioning their decisions. In such a turbulent environment, finding a guiding principle can be invaluable. There was a book I read to my kids when they were young, Zen Shorts by Jon

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If you spend a little time on Mindful Money, you might get the sense that I recommend against hiring a financial advisor. And, while it is true in many cases, such as: It isn’t always true. The financial press covers the daily gyrations of economies, markets, and individual investments in a way that makes the

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I talk a lot about the idea that stock prices follow earnings. This is what that looks like over 30 years: At the same time, whenever the stock market is bouncing around near all-time highs (as it is today), I start to get questions about the market getting “too high.” So… are today’s stock prices

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