#beginner
4 articles
What $100/Month Becomes After 10, 20, and 30 Years (and Why $50 Beats $200 Started Late)
$100/month feels too small to bother with. But run it through 30 years of compounding and the number lands at $122K. Plus the harder lesson: starting at 25 with $100 beats starting at 35 with $200.
Dollar-Cost Averaging: Costs ~2% Expected Return, Buys Real Behavioral Insurance
DCA loses to lump sum on expected return by about 1-2% over 10 years. That gap is the price of insurance against panic-selling — and for many investors it's worth paying.
Stock Valuation in 30 Seconds: 3 Numbers, 8 Methods
You don't need a finance degree to value a stock. Three numbers — price, EPS, and book value — unlock four valuation methods. Add growth rate and dividend, and you can run eight.
How Compound Interest Actually Works (Stop Quoting Einstein)
Compound interest is just earning returns on returns. The math is simple. The reason it's powerful — and the reason most people get it wrong — is that the curve barely moves for the first 10 years.