Personal Finance

Why Investing Is Hard, Part 2: The Psychology of Flinching

Loss aversion, overconfidence, and the disposition effect - the research on why investors lose to themselves, the platforms that profit from it, and the…

Jul 8 • Bernardo

Why Investing Is Hard, Part 1: The Price of Admission

Why even a rational investor would struggle: a 14% average drawdown, a 93% twenty-year failure rate for professional investors, guaranteed costs, and…

Jul 1

Culture of Consumerism: The Default Is Spend

Why Western economies nudge consumption, and how to build a personal counterculture

Jan 28

Why Saving Is Hard: The Psychology of Spending

How modern consumption leverages human wiring, and how to design guardrails that protect slack

Jan 21 • Bernardo

The Demographics of Slack and Saving

A life-stage map of housing burden, fixed obligations, and who actually has margin to save

Jan 14

Lifestyle Inflation Trap: The Upgrade-to-Obligation Pipeline

A behavioral map of how lifestyle upgrades become fixed costs, and the guardrails that protect slack

Jan 7 • Bernardo

Stepping Beyond the Blog: My First Live Presentation Experience

The impact and rewards of speaking about finance beyond my inner circle

Oct 25, 2024 • Bernardo

#nojs-banner { position: fixed; bottom: 0; left: 0; padding: 16px 16px 16px 32px; width: 100%; box-sizing: border-box; background: red; color: white; font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol"; font-size: 13px; line-height: 13px; } #nojs-banner a { color: inherit; text-decoration: underline; } This site requires JavaScript to run correctly. Please turn on JavaScript or unblock scripts