No Non-Cents Blog

When the Market Gets Moody: Financial Lessons from Recent Market Volatility Or, "Why Checking Your Portfolio 17 Times a Day Isn't a Great Investment Strategy." Let's be honest. If you've been investing for more than five minutes, you've probably had one of those mornings where you log into your investment account, stare at the screen for a few seconds, and think, "Well...that wasn't there yesterday." It's usually followed by checking CNBC, checking your pulse, and wondering i

Higher Interest Rates: Friend, Foe…or Frenemy? What High Interest Rates Mean for Investors and Borrowers If you've watched the news over the past couple of years, you've probably heard the phrase "higher interest rates" enough times to make you want to change the channel. Interest rates have become the financial world's version of the weather. Every day someone is talking about them, everyone has an opinion, and somehow they're blamed for just about everything. But unlike the

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

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.

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