Daniel J. Stefanski, EA
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danielstefanski.bsky.social
Daniel J. Stefanski, EA
@danielstefanski.bsky.social
Associate Wealth Planner at MY Wealth Planners • IRS Enrolled Agent
Trying to time the market? You are doing it wrong.
Successful investing is not about predictions, it is about behavior.

Here we are tracking the number of days the market was down 1% in the S&P 500 per year.
April 22, 2025 at 2:16 PM
Making the following assumptions:

You will hold each of these two funds for 20 years
Over those 20 years, both ETFs will earn 9.75% gross returns
Your initial portfolio is $500,000

Over 20 years holding the more expensive ETF will cost you $17,234.16 more accounting for compounding interest!

...
February 15, 2025 at 4:00 PM
For an in-state undergrad to study at the University of Colorado, your tuition costs only actually make up 38.86% of your total costs!

Your greatest expense will be room & board at 48.27%...
...
February 5, 2025 at 6:27 PM