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The Big Picture
MARCH 24, 2025
investment firm. The text accompanying that chart reads: “ Consumption: in 2024, one third of GDP came from government spending, a record high excluding periods of war or crisis; this was financed by 6-7% budget deficits, another unwelcome peacetime record.” That has been the case over decades of reading everything.
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Book of Secrets on the Month-End Close
What Your Financial Statements Are Telling You—And How to Listen!
Are Robots Replacing You? Keeping Humans in the Loop in Automated Environments
Data Talks, CFOs Listen: Why Analytics Is The Key To Better Spend Management
Wealth Management
FEBRUARY 23, 2024
Also, Advzyon and Apex announce integrations and AssetMark boosts it 2024 tech budget by $15 million.
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Clever Girl Finance
DECEMBER 23, 2024
Create a realistic budget 2. Without a steady paycheck or employer benefits, youre responsible for your own budgeting, savings, and future planning. Create a realistic budget Budgeting isnt just for nine-to-fiversits the lifeline of freelancers. Table of contents Why financial planning for freelancers is crucial 1.
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Abnormal Returns
MARCH 14, 2025
(fasterplease.substack.com) Policy Stephen Dubner talks tax myths with Jessica Riedl, a senior fellow in budget, tax, and economic policy at the Manhattan Institute. freakonomics.com) Laurence Kotlikoff talks with Prof. Richard Berner about the evisceration of financial oversight.
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Abnormal Returns
JANUARY 8, 2025
Podcasts Ryan Morrissey talks with Larry Swedroe author of "Enrich Your Future: Keys to Successful Investing." peterlazaroff.com) Katie Gatti Tassin talks with Dana Miranda author of "You Don't Need a Budget." youtube.com) Peter Lazaroff on the need for professional help in retirement planning.
Clever Girl Finance
JULY 3, 2023
Love it or hate it, if you want to be financially successful, you need to budget your money and understand budget categories. Getting your finances in order and building wealth takes planning, and your budget can help you do just that. Determine which budgeting methods will work for you 2. Table of contents 1.
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Nerd's Eye View
DECEMBER 6, 2023
And because many service offerings have traditionally focused on areas like investments and securities recommendations, there has been little debate about the need to register as an advisor. Thus, Advice, Business, Compensation, and Securities (ABCS) are the key elements in this definition.
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The Big Picture
MARCH 10, 2025
David Nadig, “ Rabbithole ” March 7, 2025 I had fun chatting with Dave Nadig about philosophy, behavior, and investing ( video after the jump). Question : “ Barry, your book How Not to Invest dissects numerous financial misconceptions. But let’s set aside markets and investing strategies entirely.
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Dear Mr. Market
AUGUST 23, 2024
Dear Mr. Market: Budgeting apps play a vital role in helping us keep track of our spending, save for future goals, and maintain control over our financial health. Today, we dive into six promising alternatives: YNAB (You Need A Budget), PocketGuard, EveryDollar, Goodbudget, Honeydue, and NerdWallet.
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Clever Girl Finance
FEBRUARY 28, 2023
Maybe you overspent on a housing project or didn’t account for a last-minute expense, but your budget got blown again. Thus, a paper and pen option like a budget binder could be the tool to unlock your financial success. What is a budget binder? A budget binder is a visible way to use a zero-based budgeting system.
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Dear Mr. Market
DECEMBER 31, 2024
Create or Refresh Your Budget Think of your budget as the foundation of your financial house. Review Investment Allocations Markets evolve, and so should your portfolio. Remember: investing isnt about timing the market, its about time in the market. Heres your top 10 financial planning checklist for the new year.
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Clever Girl Finance
NOVEMBER 4, 2023
Love it or hate it, if you want to be financially successful, you need to budget your money and success with budgeting means understanding budget categories. So, let’s talk about the various categories that you might need, including a budget categories list! How many categories should I have for a budget?
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Clever Girl Finance
FEBRUARY 10, 2023
Like many, you might shudder at the word budget. But the 50-30-20 budget and the 50-30-20 budget template prove it doesn't have to be difficult. A budget plans out exactly how you'll use your money and this can be tailored to suit your specific lifestyle and situation. What is a 50-30-20 budget?
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MainStreet Financial Planning
JANUARY 10, 2025
Create a Realistic Budget A budget is telling your money where to go instead of wondering where it went, says leadership coach and author, John Maxwell. Start by evaluating your income and monthly expenses, then allocate funds toward your savings, investments, and debt repayment goals. But remember, flexibility is key.
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Clever Girl Finance
AUGUST 21, 2024
Setting a budget might sound about as fun as doing your taxes, but trust me, it doesn’t have to be a drag! Whether you’re just starting out or need a little refresher, let’s break down the key factors you should consider when setting a budget! Adjust as your budget as needed 7. What are necessities in a budget?
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Clever Girl Finance
JULY 13, 2024
The 60/30/10 budget turns the traditional rules of budgeting upside down. Instead of focusing on discretionary spending, this budgeting rule emphasizes sprinting toward our financial goals. And although the 60/30/10 rule budget won’t work for everyone, many could use it to take their finances to the next level.
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Calculated Risk
SEPTEMBER 8, 2023
Next week, August CPI, retail sales, PPI, import and export prices, industrial production and monthly budget statement will affect our GDP tracking [Sept 8th estimate] emphasis added From Goldman: July goods exports were stronger than our previous assumption, and we boosted our Q3 GDP tracking estimate by 0.2pp to +3.1% (qoq ar).
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Clever Girl Finance
DECEMBER 16, 2023
If you don’t feel like you truly have a strong handle on your finances, one possible cause for that is using a budgeting method that doesn’t work. While not everyone needs a to-the-penny balanced budget, some type of budgeting strategy or template is really important if you want to know where your money is going month after month.
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Clever Girl Finance
SEPTEMBER 5, 2024
But once I discovered the magic of budget templates, everything changed. Table of contents What is a budget template? The Best budget templates: Spreadsheets The Best budget templates: Apps Expert Tip: Find a budget template that works for you What are some key features to look for in a budget template?
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Abnormal Returns
JUNE 9, 2024
(humbledollar.com) Russia An increasing portion of Russia's budget is dedicated to fighting Ukraine. wsj.com) Investing in ports has positive spillover economic effects. wsj.com) Investing in ports has positive spillover economic effects. wsj.com) A plan to invest and accelerate agricultural productivity.
MainStreet Financial Planning
NOVEMBER 9, 2023
With the recent news of Mint shutting down, we wanted to share a few helpful alternatives for budgeting tools to help you stay on track with accomplishing your goals! YNAB – YNAB stands for “You Need a Budget” and it is one that I have personally used and recommend to friends and clients. month or if you pay all at one time it is $99.99/year
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Abnormal Returns
AUGUST 17, 2022
hiddenforces.io) Investing On the emotional advantage of caring less about your investments. vox.com) Why budgets don't work. Podcasts Christine Benz and Jeff Ptak talk with Joe Saul-Sehy co-author of a new book "Stacked: Your Super-Serious Guide to Modern Money Management." morningstar.com) How BNPL gets you to spend more.
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Clever Girl Finance
SEPTEMBER 11, 2023
Like many, you might shudder at the word budget, or perhaps it sounds too boring or challenging to figure out. But the 50-30-20 rule and the 50 30 20 budget template prove it doesn’t have to be difficult. If you’re looking to simplify your budgeting process or are new to budgeting, then this might be the perfect match!
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Clever Girl Finance
OCTOBER 9, 2023
Whether you’re working for yourself or have an irregular job schedule, budgeting on an irregular income can be tough. But creating a budget for this type of income is easy to learn! Table of contents Budgeting when you have an irregular income 1. Create your baseline budget 2. Can you budget with an irregular income?
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Clever Girl Finance
AUGUST 10, 2023
Budgeting is one of the most important financial habits to develop. There are so many budgeting methods out there to choose from, but it’s not just creating a budget that will set you up for financial success. How do I plan for variable vs fixed expenses in my budget? What are average expenses for a household?
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Alpha Architect
JULY 19, 2024
In order to properly budget for beta risks, it is critical that investors in private assets understand the amount of systemic (beta) risk that will “wash” into their private portfolios. The Impact of Amortizing Volatility across Private Investments was originally published at Alpha Architect.
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Abnormal Returns
MARCH 7, 2024
vanityfair.com) Travel Budget airlines are increasingly stiff competition for trains in Europe. construction-physics.com) Longreads Norges Bank Investment Management wants the ability to invest in private equity. (theatlantic.com) How AI could disrupt Hollywood. on.ft.com) Air travel is cheap. Airports are expensive.
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Clever Girl Finance
SEPTEMBER 7, 2023
In personal finance, where income, expenses, dreams, and aspirations converge, the budget emerges as a crucial tool. And when you have a family, creating a family budget becomes even more important. Table of contents What is a family budget? How does a typical family budget look? What is the average family monthly budget?
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Abnormal Returns
NOVEMBER 29, 2023
humbledollar.com) Investing When you invest is more important than how. wsj.com) What is the difference between traditional and reverse budgeting? (theretirementmanifesto.com) Retirement planning is difficult because there are so many things decisions to make. humbledollar.com) No one cares more about your retirement than you.
278 
Abnormal Returns
MARCH 8, 2023
ritholtz.com) Peter Lazaroff on how a 'negative budget' works. rationalreminder.libsyn.com) Housing Your house is a terrible investment. tonyisola.com) Investing What you don't invest in is as important as you do. humbledollar.com) Why Ben Graham stepped away from investing.
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Clever Girl Finance
JANUARY 22, 2024
If you’re really struggling financially and aren’t sure which problem to tackle or how, budget counseling can help. Table of contents What is budget counseling? Does budget counseling affect your credit score? Articles related to counseling and budgeting Consider budget counseling to get your finances in order!
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Abnormal Returns
AUGUST 3, 2022
okdork.com) Michael and Ben answer reader questions including the best investment accounts for your kids. obliviousinvestor.com) Why you don't likely need a budget in retirement. wealthmanagement.com) Investing The case for Series I savings bonds. whitecoatinvestor.com) Teacher retirement investing options are still really bad.
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Abnormal Returns
SEPTEMBER 5, 2023
wsj.com) High real yields are hurting the Federal budget deficit. awealthofcommonsense.com) On the mismatch between our investment horizons and our actual behavior. (mrzepczynski.blogspot.com) Utility stocks are battling higher fixed income yields. axios.com) Strategy Dollar-cost averaging makes downturns less painful.
The Big Picture
NOVEMBER 25, 2022
My end-of-week morning train WFH reads: • The Best 50-Year-Old Investing Advice Money Can Buy : Nearly 50 years ago, the economist Burton Malkiel came out with a book that said, in effect, that all of us should be in index funds. That will cause a drop in property taxes and strain city budgets. New York Times ). • Businessweek ).
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Abnormal Returns
OCTOBER 29, 2023
awealthofcommonsense.com) 11 lessons learned about investing including 'You are not the next Warren Buffett.' thestreet.com) Song royalties Was the music investing boom a ZIRP phenomenon? tker.co) The AI investing boom is going to break a lot of hearts. sacra.com) Federal debt How worried should you be about the budget deficit?
Nerd's Eye View
DECEMBER 13, 2024
Also in industry news this week: While the SEC has had the power to restrict mandatory arbitration clauses in RIA client agreements for more than a decade, an advisory committee meeting this week suggests support for such a measure isn't unanimous CFP Board saw a record number of exam-takers during 2024, reflecting recognition of the professional and (..)
Nerd's Eye View
AUGUST 23, 2024
The survey found that most firms fall into the middle category, utilizing tech in categories that provide an assessed high return on investment (e.g., financial planning, CRM, portfolio management), while taking a more tailored approach to selecting tech in other categories.
Abnormal Returns
OCTOBER 2, 2022
ritholtz.com) For those people investing regularly, your money is going to do more work for you. wsj.com) Autos Why Toyota ($TM) continues to invest in hybrids. pragcap.com) At what point do higher interest rates start affecting the Federal budget? theirrelevantinvestor.com) Three ways to boost your yield on cash.
Clever Girl Finance
JANUARY 10, 2025
They represent your “why” when it comes to financial decisions why you save, spend, invest, or give the way you do. Your money values influence the decisions you make about budgeting, saving, investing, and even giving. If you value integrity, shift your portfolio toward ethical investments.
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Good Financial Cents
MARCH 17, 2023
This information is critical if you want to create a budget and manage your money correctly. I’ll also share some budgeting and side hustle tips so you can get the most out of the money you earn. In your budget, you should plan to set aside money to cover future expenses, such as a vacation, a house downpayment, retirement , etc.
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Nerd's Eye View
APRIL 26, 2024
Also in industry news this week: The Federal Trade Commission released a final rule that would ban most non-compete agreements, which could lead to an increasing number of non-solicit agreements (and, potentially, lawsuits regarding their enforcement) between financial planning firms and their advisors The Securities and Exchange Commission issued (..)
Nerd's Eye View
OCTOBER 16, 2023
Consumers have a wide range of options when it comes to choosing a provider of financial advice, from larger wirehouses and asset managers to smaller Registered Investment Advisers (RIAs).
The Big Picture
OCTOBER 23, 2023
Wall Street Journal ) but see Car Owners Fall Behind on Payments at Highest Rate on Record : The risk of vehicle repossession is rising for many Americans facing a budget crunch. Wall Street Journal ) • Investment Mistakes to Avoid Right Now : These popular investment areas today that may be treacherous.
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