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Picture the thing you love the most. For me, it’s my Koa wood ukulele. Imagine it sitting on a desk somewhere in your mind.
Chaos will get it.
Chaos will crack your prized ceramic Baby Yoda figurine from the outside. Chaos will tarnish your framed first bitcoin you printed on fancy paper but never actually owned. Chaos will unravel your hand-knit Wall Street bull plushie that you squeeze during market dips. It will corrode your trophy for “Best Performance in a Fantasy Stock League” despite your real portfolio being down 30%. Chaos will even erase the special spreadsheet formula you created to predict market movements based on your cat’s behavior. It will dismantle your elaborate house of cards shaped like Warren Buffett’s face.
It’s not if but when. Chaos is as guaranteed as death, taxes, and your neighbor’s unsolicited cryptocurrency advice. There’s no escaping the Second Law of Thermodynamics—entropy increases no matter how perfectly you organize your stock spreadsheets.
But you can fight chaos if you know how.
In finance, chaos often appears as information overload—what experts call “noise.” This noise wreaks havoc on your financial decisions. Every time you scroll through conflicting interpretations of economic events, you’re giving chaos a chance to dismantle your nest egg. The antidote? Discipline and systematic decision-making. By filtering what you consume and sticking to a methodical approach, you shield your investments from the chaos that surrounds them.
This discipline means carefully curating what you read. Being selective about your information sources creates clarity where noise breeds confusion. By focusing on high-quality, research-backed financial content, you build a foundation of knowledge that acts as a bulwark against impulsive decisions and market hysteria. The most successful investors aren’t those who consume the most content, but those who digest the right content thoroughly.
Check out this week’s financial wisdom—because in a world of financial entropy, disciplined learning might just be the only thing standing between your porcelain Yoda and total destruction. Sure, the Second Law of Thermodynamics is coming for us all, but with our focused approach, you might buy that little green guy a few more years before he becomes a tragic “collectible opportunity” on eBay. Fight the chaos! Your Yoda (and your retirement account) will thank you.
Jorge Sanchez, MD
Naples, Florida
The Sunday Best 03/02/2025
Since 1950 there have been 11 recessions in the United States. That means, on average, we’ve experienced a recession in one out of every seven years or so. The average length of those recessions is 10 months. Reality, of course, does not play out like the averages…and you can’t time reality, so why the market?
The latest wobble in the U.S. stock market has been fairly modest so far, with the S&P 500 still just 3% shy of its record closing high from last week. But that hasn’t stopped some on Wall Street from discussing whether the administration might step in to shore up the market if the selloff were to gain more traction.
Though not common knowledge, Apathy is an investment strategy. Targeted Apathy counteracts social media’s four horsemen of the apocalypse: Repetition combined with generating fear, doubt, and uncertainty.
Employers have been giving us lots of opportunities to make this decision of late: when leaving an employer, whether voluntarily or otherwise, we have the opportunity to rollover the qualified retirement plan (QRP) such as a 401(k) from the former employer to either an IRA or a new employer’s QRP. This decision shouldn’t be taken lightly – although it may be the best option for you.
Hustle culture and the ever-shortening form of advice have led to the deification of undying devotion – whether to a cause, a goal, or a priority. This oversimplification is also prominent in financial planning. Tim Maurer has two questions that can guide you in knowing if – and when – it’s time to reorder your priorities in life and money.
More young people than ever are turning to influencers for financial tips—but for some, bad advice has led to scams, IRS trouble, and costly mistakes. Gen Z is finding out the hard way not to get their financial advice from TikTok.
The Ides of April approacheth. Time to pay the piper, render under Caesar what is Caesar’s, and pay your dues, for there is nothing sure in the world save death and our topic for the day. It’s time to pay taxes, and here is the masterguide you need.
You’ve seen the headlines about return-to-office mandates. The federal government along with big-name companies like Amazon, Citigroup, Google, Salesforce, Tesla, Walmart, and JPMorgan have all declared that work from home is officially dead (to them). For the real-life employees impacted by these decisions, it’s a tug-of-war between paychecks, personal logistics, and career ambition.
The ‘livable lie’ is the belief that being constantly busy means you’re doing something important. Our growing “time poverty” isn’t just eroding our personal well-being – it’s also harming workplace cultures that prioritize the appearance of busyness over true effectiveness. So how do we create space for a life that’s full but not frantic?
Our systems serve us well for the most part. But they will need to be revamped for and by the next generation — the generation of the young people at the rehearsal dinner — to accommodate our rising population, technological progress, increasing affluence, and climate change. Which means we do not have the luxury of ignorance.
When it comes to your child’s future, the goal is about more than just setting up a savings account or getting them their first stock. It’s about building a robust financial foundation that equips them with the tools and resources they’ll eventually need to thrive. Seeing them through will require more than just money…
Growing up in America, you learn to observe quite a few things. Officially, we are the richest country in the world. That is, if we go by GDP. And yet, most of the U.S. lives on borrowed money with a debt of $90,000 for an average American.
