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Tools to manage money decisions - better. ---> https://loan.alyzer.com
11.17.25 update - Explore our updates to our loan option, true purchase cost, savings goal, and loan schedule tools ---> loan.alyzer.com
#personal #finance #loans #debt #credit #data #savings #shopping #lottery #networth #data #automobile #balance #transfer #lottery #lotto #budget #independence
#personal #finance #loans #debt #credit #data #savings #shopping #lottery #networth #data #automobile #balance #transfer #lottery #lotto #budget #independence
November 17, 2025 at 1:35 PM
Explore More Inspiration-->
loan.alyzer.com/instant-insp...
#ZigZiglarWisdom
#results #choice #action #change #journey #forward #growth #Quotes #Progress #experience #Life #Lessons #wisdom
#Monday #Timeless #Advice #quote #tshirt #inspiration #joy #lessons #MondayMotivation
loan.alyzer.com/instant-insp...
#ZigZiglarWisdom
#results #choice #action #change #journey #forward #growth #Quotes #Progress #experience #Life #Lessons #wisdom
#Monday #Timeless #Advice #quote #tshirt #inspiration #joy #lessons #MondayMotivation
November 17, 2025 at 1:24 PM
Reposted by loan.alyzer
Paying for college? Prioritize scholarships, savings, and work before considering loans. 📚💰
How To Pay For College: The Best Order Of Operations
If you are carving a strategy of how to pay for college, looking into various sources of funds, this might be the best order of operations.
thecollegeinvestor.com
November 16, 2025 at 9:25 PM
Paying for college? Prioritize scholarships, savings, and work before considering loans. 📚💰
Reposted by loan.alyzer
The narratives:
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
November 16, 2025 at 4:32 PM
The narratives:
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
Reposted by loan.alyzer
3 options to fix a broken housing market:
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
November 14, 2025 at 1:41 PM
3 options to fix a broken housing market:
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
Reposted by loan.alyzer
3 reasons we can't have another 1929:
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
Why We Can't Have Another 1929 - A Wealth of Common Sense
Could another Great Depression actually happen?
awealthofcommonsense.com
November 12, 2025 at 5:08 PM
3 reasons we can't have another 1929:
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
Reposted by loan.alyzer
Looking to boost your retirement savings? Leverage your HSA! Enjoy pre-tax contributions, tax-free growth, and flexibility in withdrawals. 📈
#investing
#investing
HSAs: The Secret IRA Nobody Is Talking About
HSAs can double as a secret IRA and allow you triple tax benefits so that you can save for the future in a tax deferred account.
thecollegeinvestor.com
November 11, 2025 at 4:16 PM
Looking to boost your retirement savings? Leverage your HSA! Enjoy pre-tax contributions, tax-free growth, and flexibility in withdrawals. 📈
#investing
#investing
Reposted by loan.alyzer
Confused about choosing between an HSA and an FSA? Both offer benefits, but have unique features. Find out the differences and pick the right one for your needs.
thecollegeinvestor.com/32275/hsa-an...
thecollegeinvestor.com/32275/hsa-an...
Here’s the Smart Way to Choose Between an HSA and FSA
Understand the difference between HSA and FSA accounts, 2026 contribution limits, and which one fits your health plan.
thecollegeinvestor.com
November 10, 2025 at 7:27 PM
Confused about choosing between an HSA and an FSA? Both offer benefits, but have unique features. Find out the differences and pick the right one for your needs.
thecollegeinvestor.com/32275/hsa-an...
thecollegeinvestor.com/32275/hsa-an...
Reposted by loan.alyzer
In the Roaring 20s Benjamin Graham turned $400k into $2.5 million
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...
November 11, 2025 at 9:21 PM
In the Roaring 20s Benjamin Graham turned $400k into $2.5 million
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...
Reposted by loan.alyzer
Everyone thinks young ppl are screwed
AI is taking entry level jobs
Housing is too expensive
Social media is rotting brains
I don't buy it. Young ppl are more educated & tech savvy than ever
They'll figure it out
awealthofcommonsense.com/2025/11/are-...
AI is taking entry level jobs
Housing is too expensive
Social media is rotting brains
I don't buy it. Young ppl are more educated & tech savvy than ever
They'll figure it out
awealthofcommonsense.com/2025/11/are-...
November 10, 2025 at 3:30 PM
Everyone thinks young ppl are screwed
AI is taking entry level jobs
Housing is too expensive
Social media is rotting brains
I don't buy it. Young ppl are more educated & tech savvy than ever
They'll figure it out
awealthofcommonsense.com/2025/11/are-...
AI is taking entry level jobs
Housing is too expensive
Social media is rotting brains
I don't buy it. Young ppl are more educated & tech savvy than ever
They'll figure it out
awealthofcommonsense.com/2025/11/are-...
Reposted by loan.alyzer
Reader questions:
Should young ppl care about bubbles?
Is now the time to increase your tech exposure?
I have thoughts:
awealthofcommonsense.com/2025/11/is-n...
Should young ppl care about bubbles?
Is now the time to increase your tech exposure?
I have thoughts:
awealthofcommonsense.com/2025/11/is-n...
Is Now the Time to Go All-In on Tech Stocks? - A Wealth of Common Sense
Should young people care about bubbles? Is now the time to double down on tech stocks?
awealthofcommonsense.com
November 7, 2025 at 3:16 PM
Reader questions:
Should young ppl care about bubbles?
Is now the time to increase your tech exposure?
I have thoughts:
awealthofcommonsense.com/2025/11/is-n...
Should young ppl care about bubbles?
Is now the time to increase your tech exposure?
I have thoughts:
awealthofcommonsense.com/2025/11/is-n...
Reposted by loan.alyzer
In the 1950s the S&P 500 was up ~500% or almost 20% per year
It's the only mega bull market to end w/a whimper not a bang
There was no crash in the aftermath
The 1960s saw 8% annual returns
Not all good things end badly
awealthofcommonsense.com/2025/11/the-...
It's the only mega bull market to end w/a whimper not a bang
There was no crash in the aftermath
The 1960s saw 8% annual returns
Not all good things end badly
awealthofcommonsense.com/2025/11/the-...
November 5, 2025 at 4:27 PM
In the 1950s the S&P 500 was up ~500% or almost 20% per year
It's the only mega bull market to end w/a whimper not a bang
There was no crash in the aftermath
The 1960s saw 8% annual returns
Not all good things end badly
awealthofcommonsense.com/2025/11/the-...
It's the only mega bull market to end w/a whimper not a bang
There was no crash in the aftermath
The 1960s saw 8% annual returns
Not all good things end badly
awealthofcommonsense.com/2025/11/the-...
Reposted by loan.alyzer
How does the tech bull market stack up to history's past melt-ups?
The Dow in the Roaring 20s: +489%
Japn in the 1980s: +510%
The Nasdaq in the 1990s +795%
The Nasdaq 100 over the past 10 years: +512%
awealthofcommonsense.com/2025/11/the-...
The Dow in the Roaring 20s: +489%
Japn in the 1980s: +510%
The Nasdaq in the 1990s +795%
The Nasdaq 100 over the past 10 years: +512%
awealthofcommonsense.com/2025/11/the-...
The Melt-Up - A Wealth of Common Sense
Over the past 10 years the Nasdaq 100 is up almost 20% per year. From the March 2009 lows, the Qs are up 22% per year! That’s more than a decade and a half with annual returns that would make Warren B...
awealthofcommonsense.com
November 3, 2025 at 4:08 PM
How does the tech bull market stack up to history's past melt-ups?
The Dow in the Roaring 20s: +489%
Japn in the 1980s: +510%
The Nasdaq in the 1990s +795%
The Nasdaq 100 over the past 10 years: +512%
awealthofcommonsense.com/2025/11/the-...
The Dow in the Roaring 20s: +489%
Japn in the 1980s: +510%
The Nasdaq in the 1990s +795%
The Nasdaq 100 over the past 10 years: +512%
awealthofcommonsense.com/2025/11/the-...
Reposted by loan.alyzer
Will trend following save you if the AI bubble pops?
A closer look at the pros and cons of a trend following strategy:
awealthofcommonsense.com/2025/10/tren...
A closer look at the pros and cons of a trend following strategy:
awealthofcommonsense.com/2025/10/tren...
Trend Following in a Bubble - A Wealth of Common Sense
How does trendfollowing work?
awealthofcommonsense.com
November 1, 2025 at 2:59 PM
Will trend following save you if the AI bubble pops?
A closer look at the pros and cons of a trend following strategy:
awealthofcommonsense.com/2025/10/tren...
A closer look at the pros and cons of a trend following strategy:
awealthofcommonsense.com/2025/10/tren...
Reposted by loan.alyzer
These were YTD returns as of 4/8/25:
S&P 500 -15.0%
Nasdaq 100 -18.5%
R2000 -20.7%
EAFE -3.5%
EM -7.8%
Now the 2025 YTD returns thru Monday:
S&P 500 +17.9%
Nasdaq 100 +23.3%
R2000 +14.2%
EAFE +28.8%
EM +34.5%
Staying the course worked (again):
awealthofcommonsense.com/2025/10/stay...
S&P 500 -15.0%
Nasdaq 100 -18.5%
R2000 -20.7%
EAFE -3.5%
EM -7.8%
Now the 2025 YTD returns thru Monday:
S&P 500 +17.9%
Nasdaq 100 +23.3%
R2000 +14.2%
EAFE +28.8%
EM +34.5%
Staying the course worked (again):
awealthofcommonsense.com/2025/10/stay...
October 28, 2025 at 5:24 PM
These were YTD returns as of 4/8/25:
S&P 500 -15.0%
Nasdaq 100 -18.5%
R2000 -20.7%
EAFE -3.5%
EM -7.8%
Now the 2025 YTD returns thru Monday:
S&P 500 +17.9%
Nasdaq 100 +23.3%
R2000 +14.2%
EAFE +28.8%
EM +34.5%
Staying the course worked (again):
awealthofcommonsense.com/2025/10/stay...
S&P 500 -15.0%
Nasdaq 100 -18.5%
R2000 -20.7%
EAFE -3.5%
EM -7.8%
Now the 2025 YTD returns thru Monday:
S&P 500 +17.9%
Nasdaq 100 +23.3%
R2000 +14.2%
EAFE +28.8%
EM +34.5%
Staying the course worked (again):
awealthofcommonsense.com/2025/10/stay...
Reposted by loan.alyzer
We haven't had a real recession in 196 months
Some questions for the next one:
Will the wealth effect make things worse?
Will young ppl stay invested?
What will happen to illiquid private investments?
Will households ramp up their borrowing?
awealthofcommonsense.com/2025/10/what...
Some questions for the next one:
Will the wealth effect make things worse?
Will young ppl stay invested?
What will happen to illiquid private investments?
Will households ramp up their borrowing?
awealthofcommonsense.com/2025/10/what...
October 27, 2025 at 6:21 PM
We haven't had a real recession in 196 months
Some questions for the next one:
Will the wealth effect make things worse?
Will young ppl stay invested?
What will happen to illiquid private investments?
Will households ramp up their borrowing?
awealthofcommonsense.com/2025/10/what...
Some questions for the next one:
Will the wealth effect make things worse?
Will young ppl stay invested?
What will happen to illiquid private investments?
Will households ramp up their borrowing?
awealthofcommonsense.com/2025/10/what...
Reposted by loan.alyzer
How many individual stocks outperform the stock market in a given year?
(more than you think)
awealthofcommonsense.com/2025/10/how-...
(more than you think)
awealthofcommonsense.com/2025/10/how-...
How Many Stocks Outperform the Stock Market? - A Wealth of Common Sense
A reader asks: Could you talk about what percentage of stocks that are beating the S&P over the last 5 years also beat the S&P the 5 years before that? I’m curious what names appear in both lists, wit...
awealthofcommonsense.com
October 23, 2025 at 6:21 PM
How many individual stocks outperform the stock market in a given year?
(more than you think)
awealthofcommonsense.com/2025/10/how-...
(more than you think)
awealthofcommonsense.com/2025/10/how-...
Reposted by loan.alyzer
3 things:
1. New vehicles are really expensive now
2. People under 40 are all in on the stock market
3. Wealth inequality is turning into health inequality
awealthofcommonsense.com/2025/10/3-ch...
1. New vehicles are really expensive now
2. People under 40 are all in on the stock market
3. Wealth inequality is turning into health inequality
awealthofcommonsense.com/2025/10/3-ch...
October 22, 2025 at 2:19 PM
3 things:
1. New vehicles are really expensive now
2. People under 40 are all in on the stock market
3. Wealth inequality is turning into health inequality
awealthofcommonsense.com/2025/10/3-ch...
1. New vehicles are really expensive now
2. People under 40 are all in on the stock market
3. Wealth inequality is turning into health inequality
awealthofcommonsense.com/2025/10/3-ch...
Reposted by loan.alyzer
Gold is up ~60% this year
It's beating the stock market since 2000 (and in the 2020s)
It's one of the more unique financial assets out there
But I don't own any gold
Here are some of my reasons:
awealthofcommonsense.com/2025/10/why-...
It's beating the stock market since 2000 (and in the 2020s)
It's one of the more unique financial assets out there
But I don't own any gold
Here are some of my reasons:
awealthofcommonsense.com/2025/10/why-...
Why I Don't Own Any Gold - A Wealth of Common Sense
Gold is on fire. The yellow metal is up more than 60% this year. It’s risen nearly 30% in the last 3 months alone. It’s hard to get a nuanced opinion on gold as a holding. There are a lot of extreme o...
awealthofcommonsense.com
October 20, 2025 at 1:30 PM
Gold is up ~60% this year
It's beating the stock market since 2000 (and in the 2020s)
It's one of the more unique financial assets out there
But I don't own any gold
Here are some of my reasons:
awealthofcommonsense.com/2025/10/why-...
It's beating the stock market since 2000 (and in the 2020s)
It's one of the more unique financial assets out there
But I don't own any gold
Here are some of my reasons:
awealthofcommonsense.com/2025/10/why-...
Reposted by loan.alyzer
18% of American households are now millionaires (if you include home equity)
For many that wealth is mostly tied up in their home and retirement accts
Some thoughts on the pros and cons of being house/retirement acct rich:
awealthofcommonsense.com/2025/10/hous...
For many that wealth is mostly tied up in their home and retirement accts
Some thoughts on the pros and cons of being house/retirement acct rich:
awealthofcommonsense.com/2025/10/hous...
October 18, 2025 at 2:21 PM
18% of American households are now millionaires (if you include home equity)
For many that wealth is mostly tied up in their home and retirement accts
Some thoughts on the pros and cons of being house/retirement acct rich:
awealthofcommonsense.com/2025/10/hous...
For many that wealth is mostly tied up in their home and retirement accts
Some thoughts on the pros and cons of being house/retirement acct rich:
awealthofcommonsense.com/2025/10/hous...
Reposted by loan.alyzer
The 2020s boom times:
The rich are getting richer
But low income Americans now own more stocks than ever before
Housing is more expensive
But that has made more young ppl invest in the stock market
Two positive trends in household wealth:
awealthofcommonsense.com/2025/10/two-...
The rich are getting richer
But low income Americans now own more stocks than ever before
Housing is more expensive
But that has made more young ppl invest in the stock market
Two positive trends in household wealth:
awealthofcommonsense.com/2025/10/two-...
October 15, 2025 at 2:36 PM
The 2020s boom times:
The rich are getting richer
But low income Americans now own more stocks than ever before
Housing is more expensive
But that has made more young ppl invest in the stock market
Two positive trends in household wealth:
awealthofcommonsense.com/2025/10/two-...
The rich are getting richer
But low income Americans now own more stocks than ever before
Housing is more expensive
But that has made more young ppl invest in the stock market
Two positive trends in household wealth:
awealthofcommonsense.com/2025/10/two-...
Reposted by loan.alyzer
Since 1990 the S&P 500 has averaged 31 down days a year w/losses of 1% or worse
It happens
Stocks go down too
awealthofcommonsense.com/2025/10/stoc...
It happens
Stocks go down too
awealthofcommonsense.com/2025/10/stoc...
October 14, 2025 at 4:37 PM
Since 1990 the S&P 500 has averaged 31 down days a year w/losses of 1% or worse
It happens
Stocks go down too
awealthofcommonsense.com/2025/10/stoc...
It happens
Stocks go down too
awealthofcommonsense.com/2025/10/stoc...
Reposted by loan.alyzer
Some questions:
Are we in for a melt-up?
How do you make forecasts in a bubble?
What's the worst-case AI scenario?
Would an AI bust lead to a recession?
Will anyone call the eventual top?
awealthofcommonsense.com/2025/10/some...
Are we in for a melt-up?
How do you make forecasts in a bubble?
What's the worst-case AI scenario?
Would an AI bust lead to a recession?
Will anyone call the eventual top?
awealthofcommonsense.com/2025/10/some...
Is This the Top? - A Wealth of Common Sense
Can anyone call the top in this market?
awealthofcommonsense.com
October 13, 2025 at 2:21 PM
Some questions:
Are we in for a melt-up?
How do you make forecasts in a bubble?
What's the worst-case AI scenario?
Would an AI bust lead to a recession?
Will anyone call the eventual top?
awealthofcommonsense.com/2025/10/some...
Are we in for a melt-up?
How do you make forecasts in a bubble?
What's the worst-case AI scenario?
Would an AI bust lead to a recession?
Will anyone call the eventual top?
awealthofcommonsense.com/2025/10/some...
