Choosing between two job offers

Although my eventual goal is #FI, I derive the largest part of my income from good old fashioned American work. Actually, it's new fashioned American techwork, complete with standing desks and kegerators. I've got it pretty good but I'll have to move on and choose between job offers someday.

Millennial recession survival guide

With the current expansion nearing its tenth year, it's actually possible that someone could have already worked a third of their professional career knowing nothing but expansion. I figured it might be interesting to describe the experience of a recession for all of those that have never known one, and provide some tips to soften the blows.

Best Stocks to Short: Tesla

Last week, I took an in-depth look at one of my favorite short ideas: Snapchat. This week, I am going to continue the series with Tesla. I hesitated a little before writing this post because this is honestly a 50/50 short at best. On the other hand, when Tesla goes into the gutter this year I'd love to be able to look back on this post of vindication... so here we are.

Using debt as a forced savings plan

I’ve repeatedly seen two narratives told over and over again. First of all, debt is bad. Second, although debt is bad, having a mortgage is alright because it acts like a forced savings plan, slowly enabling borrowers to build wealth. But can't the “forced savings plan” idea can be extended beyond simply mortgage debt, if executed intelligently with low interest, short term debt?

Taking pride in incremental improvements

Big gains get all of the glory. Lottery winners. Moonshot bets on bitcoin. One-in-a-million penny stock wins. Unfortunately, obsessing over big bets and big gains takes all of the joy out of the incremental gains that actually build wealth on a predictable basis. This post is all about the little gains I never celebrated, and my plans to improve them even more in the future. These tiny incremental improvements collectively add up to big, big wins.

How to diversify your portfolio... the easy way

Last week I wrote about the different types of diversification. To put it simply, there's quite a few. It can be exceedingly complex trying to figure out the best way to optimize your portfolio for growth and security. Luckily, there are a couple of free tools that can make everything much, much easier. This is how I would diversify my stock/bond portfolio if I had to do it all over again.

I'm exercising my ISOs on Monday

Good morning everyone. Today is a BIG day for me, and a big day for my investing strategies going forward. I'm exercising around 1/4 of the options I've been awarded in the startup I am working for. Although this won't have a huge impact for me in the near term, over the course of the next 3-4 years I am hoping this single decision will save me thousands of dollars (or if I am really lucky, tens of thousands) in taxes.