Topic
Investing.
Index funds, IRAs, and the few things actually worth knowing first.
The first ten investing decisions matter. The rest is noise.
Almost every credible academic study on individual investing reaches the same boring conclusion: a low-cost broad index fund, held for decades, beats nearly every actively-managed alternative once you net out fees. That is not exciting, which is why the financial-media ecosystem sells everything else.
We write for first-time investors. The articles here cover the genuinely important decisions — what kind of account to open, what to put in it, how taxes change the answer, what to ignore — and stop short of the noise. We don’t make stock picks, we don’t run sponsored content, and we don’t recommend anything we wouldn’t put our own money in.