The New Rules of Safe Income: T-Bills vs. Bond Funds vs. CD Ladders
The fixed-income landscape of 2025 presents what senior market strategists have termed a “generational opportunity … Read more
Sergio Murphy
Bond Math for Civilians: 1% More Rates ≠ 1% More Pain—It’s Worse
If you think a 1% interest rate hike means your bond fund loses 1% of … Read more
The 62 vs. 67 Trap: Why Most Retire Sooner—and Pay for It Later
Retirement is often envisioned as a new beginning, a time for personal growth and pursuing … Read more
Gold, Yuan, or T-Bills? Where Central Banks Are Parking Cash in 2026
A seismic shift is underway in global finance. For the first time in nearly thirty … Read more
BRICS, mBridge & Sanctions: The Quiet Currency War Reshaping Trade
The global financial system is undergoing a fundamental, though gradual, transformation. This is not a … Read more
Dollar Weaponization vs. De-Dollarization: What the Latest IMF Data Really Says
Headlines often proclaim the imminent collapse of the US dollar’s reign over the global economy. … Read more
Is the Dollar Losing Its Mojo or Just Catching Its Breath? Read the COFER Tea Leaves
The global financial landscape in 2025 is defined by a profound paradox centered on its … Read more
I Read 37 Investing Books — Only 10 Were Worth My Time
You’re working hard. You want to be rich. But every finance book sounds the same. … Read more
I’m 29 and Still Renting — My “House Plan B” Is the Only Thing Keeping Me Sane
At 29, I watched my college roommate post pictures of her new backyard on Instagram … Read more
Growing Up Poor Gave Me a Scarcity Mindset — Here’s How I’m Rewiring It
I was 30 years old and making six figures before I realized I was still … Read more