SEP IRA vs Solo 401(k): Which Side Hustle Retirement Plan Wins in 2026?
A freelancer with $60,000 of net side-hustle profit can shelter $11,152 in a SEP IRA this year — or $35,652 in a solo 401(k). Same…
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Gambler’s Fallacy Investing Mistakes: Why the Market Is Never “Due”
A roulette ball lands on black six times in a row, and the table crowds with people betting red — because red is “due.” Swap…
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Index Fund vs Target Date Fund: The 60-Second Formula for Which to Choose
Target-date funds now hold $4.8 trillion, and the cheapest 10% of them charge 0.21% a year while the priciest 10% charge 1.20% — a spread…
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Disposition Effect Investing: The $1,785 Mistake Hiding in a Routine Withdrawal
An investor needs $9,800 out of a taxable brokerage account for a roof repair. Two positions could fund it: one up $7,500, one down $5,200….
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Mega Backdoor Roth, Step by Step: The $47,500 of Roth Space Most 401(k) Savers Never Use
In 2026 the IRS caps everything that can land in a single 401(k) account — your deferrals, your employer’s match, and any after-tax dollars —…
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The HSA Triple Tax Advantage, Explained: The Third Leg Most People Throw Away
Americans held nearly $174 billion in health savings accounts at the end of 2025, spread across 41.7 million accounts. Only about 4.2 million of those…
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Treasury Bills vs HYSA: The State Tax Math That Actually Decides It (2026 Rates)
As of August 6, 2026, the 3-month Treasury bill was yielding 3.82%, while the best high-yield savings accounts were advertising APYs in the 4.15% to…
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Endowment Effect Examples: 5 Places Ownership Quietly Doubles What You Think Things Are Worth
In a Cornell classroom in 1990, half the students were handed a $6 coffee mug and the other half were handed nothing. When both groups…
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Ostrich Effect Investing: What Eleven Months of Not Looking Actually Costs
Researchers with access to 1.2 million Vanguard accounts found something uncomfortable: the day after the Dow falls, the number of investors who log in to…
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Recency Bias Investing: Why “What’s Working Now” Is the Worst Signal You Can Follow
Between January 2016 and December 2025, U.S. mutual funds and ETFs returned 9.9% a year. The average dollar actually invested in those same funds earned…
