@osoobvious.bsky.social
Underperforming the market doesn’t put the self-investor “a little behind.” It puts you on a different trajectory altogether. Here's how to stop it. #smartinvesting #underperformance #selfinvestors #obviousmoney
"That Is Not My Business!"
Underperforming the market doesn’t put the self-investor “a little behind.” It puts you on a different trajectory altogether. Here's how to stop it.
open.substack.com
February 5, 2026 at 5:01 PM
Underperforming the market doesn’t put the self-investor “a little behind.” It puts you on a different trajectory altogether. Here's how to stop it. #smartinvesting #underperformance #selfinvestors #obviousmoney
“Risk tolerance” is one of the most frequently invoked - and least understood - ideas in investing. Self-assessed risk tolerance is a losing battle. But there is a better way. #risktolerance #volatilityisnotrisk #marketpsychology #ivestoreducation #financialdecisionmaking #smartinvesting
Risk Tolerance is Not a Feeling
“Risk tolerance” is one of the most frequently invoked - and least understood - ideas in investing. Self-assessed risk tolerance is a losing battle. But there is a better way.
open.substack.com
January 29, 2026 at 4:59 PM
“Risk tolerance” is one of the most frequently invoked - and least understood - ideas in investing. Self-assessed risk tolerance is a losing battle. But there is a better way. #risktolerance #volatilityisnotrisk #marketpsychology #ivestoreducation #financialdecisionmaking #smartinvesting
Desperation Capitalism turns investing into survival. This piece shows a path to rebuilding discipline and long-term wealth. #desperationcapitalism #GenZInvesting #InvestingPsychology
The Path Out of Desperation Capitalism
Desperation Capitalism turns investing into survival. This piece shows a path to rebuilding discipline and long-term wealth.
open.substack.com
January 25, 2026 at 5:01 PM
Desperation Capitalism turns investing into survival. This piece shows a path to rebuilding discipline and long-term wealth. #desperationcapitalism #GenZInvesting #InvestingPsychology
Desperation Capitalism describes a growing behavioral pattern, in which capital markets are treated as urgent escape hatches from economic fragility. #desperationcapitalism #survivalism #highrisktrading #smartinvesting #obviousmoney
The Rise of Desperation Capitalism
Desperation Capitalism describes a growing behavioral pattern, in which capital markets are treated as urgent escape hatches from economic fragility.
open.substack.com
January 19, 2026 at 5:01 PM
Desperation Capitalism describes a growing behavioral pattern, in which capital markets are treated as urgent escape hatches from economic fragility. #desperationcapitalism #survivalism #highrisktrading #smartinvesting #obviousmoney
“Retire or get retired” should be viewed as an invitation: to recognize that we live in a narrow window of history where time, capital, and longevity can be aligned, if we act before momentum fades. #retirementplanning #smartinvesting
Retirement Series #5: Retire Or Get Retired
“Retire or get retired” is an invitation: to recognize that we live in a narrow window of history where time, capital, and longevity can be aligned.
open.substack.com
January 15, 2026 at 4:58 PM
“Retire or get retired” should be viewed as an invitation: to recognize that we live in a narrow window of history where time, capital, and longevity can be aligned, if we act before momentum fades. #retirementplanning #smartinvesting
Learning to become politically agnostic about investing reduces risk. By being neutral, investors can game the election cycle. Here's how. #stayneutral #smartinvesting #obviousmoney
The Politically Agnostic Investor
Learning to become politically agnostic about investing reduces risk. Instead investors should game the election cycle. Here's how.
open.substack.com
January 11, 2026 at 5:01 PM
Learning to become politically agnostic about investing reduces risk. By being neutral, investors can game the election cycle. Here's how. #stayneutral #smartinvesting #obviousmoney
Data shows parents consistently fail to discuss retirement plans with their families. Yet, narrative is one of the most significant ways to leave a lasting legacy. #retirement #pre-tirement #financialplanning #smartinvesting #obviousmoney
Retirement Series #4: Building a Lasting Legacy
Data shows parents consistently fail to discuss retirement plans with their families. Yet, narrative is one of the most significant ways to leave a lasting legacy.
open.substack.com
January 8, 2026 at 4:57 PM
Data shows parents consistently fail to discuss retirement plans with their families. Yet, narrative is one of the most significant ways to leave a lasting legacy. #retirement #pre-tirement #financialplanning #smartinvesting #obviousmoney
As U.S. Healthcare costs and outcomes diverge, AI will make the system’s inner workings visible and vulnerable. Resulting in information asymmetry collapse. #ushealthcare #healthcarecrisis
U.S. HealthCare: The Asymmetry Collapse
As U.S. Healthcare Costs and Outcomes Diverge, Could AI Will Make the System’s Inner Workings Visible — And Vulnerable?
open.substack.com
January 4, 2026 at 5:23 PM
As U.S. Healthcare costs and outcomes diverge, AI will make the system’s inner workings visible and vulnerable. Resulting in information asymmetry collapse. #ushealthcare #healthcarecrisis
Many think retirement is an event. A date. A number. But it's actually a slope. The earlier we start on that slope, the better. #RetirementPlanning #retirementgoals #SmartInvesting #obviousmoney #compounding
Retirement Series #3: Start Early
Many think retirement is an event. A date. A number. But it's actually a slope. The earlier we start on that slope, the better.
open.substack.com
December 19, 2025 at 2:09 AM
Many think retirement is an event. A date. A number. But it's actually a slope. The earlier we start on that slope, the better. #RetirementPlanning #retirementgoals #SmartInvesting #obviousmoney #compounding
It seems obvious that the U.S. healthcare system in trouble. But why? As someone who has experienced both U.S. and European systems, I have a pretty good idea about the problems and potential solutions. #ushealthcare #smartinvesting
Why U.S. Healthcare Is in Trouble
Other modern nations treat healthcare as a utility; the U.S. treats it as a commercial bazaar. The result is predictable: price inflation, fragmentation, and institutional inertia.
www.osoobvious.com
December 15, 2025 at 2:27 AM
It seems obvious that the U.S. healthcare system in trouble. But why? As someone who has experienced both U.S. and European systems, I have a pretty good idea about the problems and potential solutions. #ushealthcare #smartinvesting
Trading rewards accuracy and timing; investing rewards good choices plus time. A matter of different temperaments, incentives, and outcomes. #smartinvesting #stocktrading #investsmart
Trading vs Investing
Trading rewards accuracy and timing every day; investing rewards good choices plus time. That’s not simple semantics - it’s different temperaments, incentives, and outcomes.
open.substack.com
December 7, 2025 at 11:00 PM
Trading rewards accuracy and timing; investing rewards good choices plus time. A matter of different temperaments, incentives, and outcomes. #smartinvesting #stocktrading #investsmart
Pre-tirement is the art of shifting gears, not slamming the brakes. It’s gaining traction as people seek purpose, flexibility, and financial sanity. The future isn’t “retired vs. working” - it’s a creative remix of both. #pretirement #investingstrategy #InvestSmart #obviousmoney #retirementgoals
Retirement Series: "Pre-tirement"
Pre-tirement is the art of shifting gears, not slamming the brakes. It’s gaining traction as people seek purpose, flexibility, and financial sanity. The future isn’t “retired vs. working” - it’s a cre...
open.substack.com
December 4, 2025 at 6:29 PM
Pre-tirement is the art of shifting gears, not slamming the brakes. It’s gaining traction as people seek purpose, flexibility, and financial sanity. The future isn’t “retired vs. working” - it’s a creative remix of both. #pretirement #investingstrategy #InvestSmart #obviousmoney #retirementgoals
AI bubble talk suggests a coming collapse or a “pop” that is unavoidable. Is it though? It may actually be a buy signal hidden in clear sight. #AIBubble #SmartInvesting #MoneyMadeSimple #obviousmoney
Burry, Bubbles & Buy Signals
Bubble talk suggests collapse or a “pop” that is unavoidable. Is it though? It may actually be a buy signal hidden in clear sight.
open.substack.com
November 30, 2025 at 5:10 PM
AI bubble talk suggests a coming collapse or a “pop” that is unavoidable. Is it though? It may actually be a buy signal hidden in clear sight. #AIBubble #SmartInvesting #MoneyMadeSimple #obviousmoney
Despite endless doom-hungry headlines, the modern economy is sturdier, safer, and more opportunity-rich than any prior era. There are plenty of reasons to be thankful this Thanksgiving Day. #thankyouforyoursupport #Thanksgiving2025 #Grateful #SmartInvesting
The 2025 Thanksgiving Ledger
Despite endless doom-hungry headlines, the modern economy is sturdier, safer, and more opportunity-rich than any prior era. There are plenty of reasons to be thankful this Thanksgiving Day.
open.substack.com
November 27, 2025 at 5:08 PM
Despite endless doom-hungry headlines, the modern economy is sturdier, safer, and more opportunity-rich than any prior era. There are plenty of reasons to be thankful this Thanksgiving Day. #thankyouforyoursupport #Thanksgiving2025 #Grateful #SmartInvesting
No one wants to lose their money, but it isn’t a reason to avoid investing. The real enemy isn’t necessarily “risky” stocks - it’s the slow, silent rot of inflation. #smartinvesting #investmentguide #obviousmoney
"I Can't Afford to Lose My Money!"
No one wants to lose their money, but it isn’t a reason to avoid investing. The real enemy isn’t necessarily “risky” stocks - it’s the slow, silent rot of inflation.
www.osoobvious.com
November 27, 2025 at 4:58 PM
No one wants to lose their money, but it isn’t a reason to avoid investing. The real enemy isn’t necessarily “risky” stocks - it’s the slow, silent rot of inflation. #smartinvesting #investmentguide #obviousmoney
Everyone talks about foreign countries “owning America.” The truth is: the biggest holder of U.S. debt is not China or Japan. #usdeficit #smartinvesting #moneymadesimple #obviousmoney
The Truth About the U.S. Deficit (Part 1)
Everyone talks about foreign countries “owning America.” The truth is: the biggest holder of U.S. debt is not China or Japan.
www.osoobvious.com
November 23, 2025 at 4:50 PM
Everyone talks about foreign countries “owning America.” The truth is: the biggest holder of U.S. debt is not China or Japan. #usdeficit #smartinvesting #moneymadesimple #obviousmoney
The U.S. deficit feels alarming mostly because big numbers rattle us. The real lens isn’t the raw debt figure; it’s the balance sheet: assets, liabilities, and scale. #usdeficit #usdebt #smartinvesting #obviousmoney
The Truth About the U.S. Deficit (Part 2)
The U.S. deficit feels alarming mostly because big numbers rattle us. The real lens isn’t the raw debt figure; it’s the balance sheet: assets, liabilities, and scale.
open.substack.com
November 20, 2025 at 5:01 PM
The U.S. deficit feels alarming mostly because big numbers rattle us. The real lens isn’t the raw debt figure; it’s the balance sheet: assets, liabilities, and scale. #usdeficit #usdebt #smartinvesting #obviousmoney
Most “news” is noise. But you can easily filter noise from news that matters, using science-backed techniques. Find out how... #MoneyMadeEasy #obviousmoney #smartinvesting #newsnotnoise
How to Filter 'Noise' From 'News'
Most “news” is noise. But you can easily filter noise from news that matters, using science-backed techniques.
www.osoobvious.com
November 16, 2025 at 5:06 PM
Most “news” is noise. But you can easily filter noise from news that matters, using science-backed techniques. Find out how... #MoneyMadeEasy #obviousmoney #smartinvesting #newsnotnoise
As we head down the road towards our financial goals, stop and ask: in the end, does the path really matter? #financialgoals
Does the Path to Your Goals Really Matter?
Investors obsess over the “best” way to reach their financial goals - strategy tweaks, timing, market forecasts, shortcuts. But the path itself isn’t what determines success. Discipline does.
www.osoobvious.com
November 13, 2025 at 5:10 PM
As we head down the road towards our financial goals, stop and ask: in the end, does the path really matter? #financialgoals
After 25 years in investments, I learned how the most successful investors are those who set clear goals. #investinggoals #smartinvesting #moneymadesimple
How to Set Investment Goals
A real investment goal isn’t “to make a lot of money.” It’s to reach a specific number by a specific time; and to know what needs to happen in between.
www.osoobvious.com
November 6, 2025 at 5:08 PM
After 25 years in investments, I learned how the most successful investors are those who set clear goals. #investinggoals #smartinvesting #moneymadesimple
Let’s walk through the classic (and not-so-classic) ways to double your investments - and what actually works over time. #investingguide #smartinvesting #moneymadesimple #obviousmoney
5 Ways to Double Your Money
Everyone wants to double their money. It isn’t about luck, timing, or insider access - it’s about patience, compounding, and smart risk-taking. Let’s look at what actually works over time.
www.osoobvious.com
November 2, 2025 at 7:36 PM
Let’s walk through the classic (and not-so-classic) ways to double your investments - and what actually works over time. #investingguide #smartinvesting #moneymadesimple #obviousmoney
When it comes to investing 20/20 vision doesn't work like you think. #smartinvesting #moneymadesimple #lookforward #obviousmoney
The Lie of Perfect Hindsight
Hindsight isn’t 20/20. It flatters us, distorts lessons, and tempts us to confuse being lucky with being right. Real wisdom isn’t in looking back clearly; it’s in looking forward honestly.
www.osoobvious.com
October 30, 2025 at 9:43 PM
When it comes to investing 20/20 vision doesn't work like you think. #smartinvesting #moneymadesimple #lookforward #obviousmoney
When it comes to markets, does "No News is Good News" still apply? #smartinvesting #obviousmoney #moneymadesimple #marketnews
"No News Is Good News!" Really?
No news creates uncertainty. Uncertainty is the market’s least favorite four-letter word. News itself, even bad news, creates clarity.
www.osoobvious.com
October 26, 2025 at 5:58 PM
When it comes to markets, does "No News is Good News" still apply? #smartinvesting #obviousmoney #moneymadesimple #marketnews