No Non-Cents Blog

For the past few years, cash has been having a moment. After spending more than a decade earning roughly the same amount as a participation trophy, savings accounts and money market funds suddenly became attractive again. Banks started advertising rates above 4%, financial headlines proclaimed that "cash is king," and investors everywhere rediscovered the joy of seeing interest payments show up without enduring the emotional rollercoaster of the stock market. Honestly, who ca

For most of human history, living into your 80s or 90s was considered exceptional. Today, thanks to advances in medicine, healthier lifestyles, and improved healthcare, many people can expect to live significantly longer than previous generations. That's certainly something worth celebrating. However, living longer also creates a financial challenge that many retirees underestimate: your retirement savings may need to last almost as long as your working career did. Many peopl

Inflation is one of those financial topics that sounds boring—right up until you leave Costco with four items, a receipt that's three feet long, and a sudden desire to review your retirement plan. As a wealth advisor, I spend a lot of time helping people think about retirement, investments, taxes, and long-term financial goals. But lately, many conversations start with something much simpler: "How did I spend $200 and only buy groceries for three days?" It's a fair question.

Most people underestimate what consistency can do. Investing doesn’t usually create wealth overnight — it builds gradually, quietly, and then suddenly. Kind of like gray hair, lower back pain, or realizing your favorite songs are now considered “classic hits.” So what actually happens if you invest $1,000 every month for 30 years? The answer is surprisingly powerful. The Math Behind Consistency If you invest $1,000 per month for 30 years, you would contribute: 1000 \times 12

Periods of geopolitical tension tend to feel different while you’re living through them. The headlines are more urgent. The risks feel less theoretical. The temptation to “do something” increases. The recent conflict involving Iran is a good example. Markets reacted quickly—oil prices moved higher, equities pulled back, and volatility increased across asset classes. And yet, as conditions stabilized and uncertainty began to ease, markets adjusted. This pattern is not new. In

Most investors believe long-term success comes down to avoiding major mistakes. Don’t panic during market volatility. Don’t speculate. Don’t take on unnecessary risk. That framework is directionally correct. But in practice, very few disciplined investors fail because of a single catastrophic decision. The more common issue is far less visible. It’s the accumulation of “pretty good” decisions. Why “pretty good” is often not good enough A “pretty good” decision is one that app

Long-term planning is one of those things everyone agrees is important, right up until it requires actually doing something about it. It sits in the same category as eating healthier, exercising consistently, and getting more sleep — universally endorsed, occasionally acted on, and very easy to push off until “things calm down.” The problem is that, in financial planning, things rarely calm down in a way that makes long-term thinking feel urgent. There is always something mor

Every April, the same pattern shows up, and if you’ve been through it a few times, you already know how it goes. People suddenly become very interested in taxes. Receipts that have been sitting quietly for months are urgently rediscovered, passwords are reset multiple times in a single sitting, and there’s usually a brief stretch where it feels like things might not be so bad — right before the realization sets in that they are exactly as complicated as expected. Then everyth

Most financial mistakes don’t feel like mistakes when you’re making them. They feel reasonable, even responsible, in the moment. You save consistently, you invest when you can, and you try to make smart decisions along the way — which, to be fair, already puts you ahead of most people. The problem is that good intentions don’t always translate into optimal outcomes, especially when decisions are made in isolation or without a clear long-term framework. And over time, small in

There is a stage of wealth that does not get discussed often enough. It is not the early phase, when the focus is on building income, saving consistently, and gaining traction. And it is not the ultra-high-net-worth stage, where advanced strategies and complex structures become the norm. It is the space in between—typically when net worth reaches somewhere between $1M and $5M. At this level, most people are doing well by any objective measure. Income is strong, assets are gro

The Dark Web Explained: What It Is, How AI Is Changing Cybercrime, and How to Protect Yourself When most people hear the term dark web, they picture hooded hackers in a dark basement surrounded by glowing screens and empty energy drink cans. Reality is far less cinematic — and far more organized. The dark web is a hidden part of the internet where stolen personal information, financial data, and login credentials are bought and sold. Thanks to artificial intelligence (AI), cy

The New 401(k) Rule That Could Change Your Retirement Tax Strategy in 2026 Starting in 2026, one of the most under-the-radar changes to retirement plans in years goes into effect — and it’s aimed squarely at high earners over 50. If you’ve enjoyed using pre-tax 401(k) catch-up contributions to lower your tax bill, Uncle Sam would like a word. What’s Changing? If you are age 50 or older and earned more than $145k (indexed for inflation) in the prior year, any catch-up contribu