Debts are promises. We’re making a lot of promises – implicit and explicit – these days.

Talk Less, Listen More

I spent a whole bunch of time this fall and winter taking calls from young financial advisors. I try to schedule this stuff on Friday mornings when things are a little quieter for me. They DM me or email me and I just say yes. I have 15 minutes for any kid reading my stuff…

How to avoid bear markets

But there is one commonality shared by most of the successfully invested wealthy people I have known and know today. I would like to share that with you now: