July Member Letter I’m even more delighted than usual for our mid-year report on the events of the last six months, and on the further progress of our long-term plan. But first, as always, a brief recitation of our principles. The Ideas That Guide Us We are long-term, goal-focused, planning-driven investors. We are owners of

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Looking back on my own life, the hundreds of personal finance and meaning of life books and blogs I have read, and the tens of thousands of conversations I have had with clients, prospective clients, financial professionals, industry folks, and coaches of every stripe I have distilled a few very simple things that can stack

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This blog is the first of a 10-part series which covers everything you need to know to get started on your path to financial freedom: 1. The First Step in Any Financial Plan is NOT What You Think. We Start by Knowing What is Worth Seeking. 2. Developing Your Vision of a Perfect Life 3.

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As I wrote this in the run-up to the holiday season, markets seemed to be on the mend from the bear that started January 3rd, the air was coming out of the inflation balloon, and talk of recession probabilities was the new crisis du jour (it ALWAYS has to be something). The biggest surprise to

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Fair enough. Personal finance is an enormous topic. Let me see if I can make it a little bit easier with an overview of our financial education courses. Because our educational system teaches next to nothing practical about personal finance, there are usually two ways people come to the idea of personal financial education. Either

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One of my favorite financial bloggers (J. Money – the OG of #personalfinance bloggers) removed himself from the game (i.e. sold his blog – Budgets Are Sexy) in late 2019.  Hot off the presses… he is back! Evidently, the buyer couldn’t get done what they hoped and J. Money is back in the saddle. I

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The S&P 500 declined 23.6% from it’s all-time high of 4,796.6 on January 3rd to a closing low (so far) of 3,666.8 on June 16th. The index finished its worst first half since 1970 at 3785.4. The violence of the decline peaked in mid-June when the market ran off a streak of five out of

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When Dave died, one of the most beautiful parts of my life and a huge part of my future died with him. We had plans that we will never be able to fulfill and this changed my life forever. I will be talking about some of our plans on the Mindful Money Podcast in the

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Today marks the first anniversary of my brother’s death. Dave died on June 17th, 2021 – the day before his 46th birthday. He lived with his family in San Ramon and in the 5 years before his death culminating with the pandemic lock-downs, my “inner circle” had largely collapsed to him and one other guy.

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