no matter what i say, my kids only watch what i do. when i say "no desserts before bed!", as soon as i am in the pantry sneaking a piece of ghiradelli sea salt caramel, there they both are, hands out, ready for their piece. it's like they have supersonic hearing... it's why, when it comes to money, there are a few habits i try and model. there is plenty of advice out there about which high yield savings account to use, or which version of the debt snowball is best, or how to

the older i get, the less interested i am in investments that make my portfolio bigger, and the more interested i am in investments that make my life better. in march of 2022, i received a voice note from my 6 year old son. "dad, i have a genius idea! genius idea. how about.. um...how about you and me.. just you and me... go on a trip together. okay? love you." kids today don't say bye; i think because characters on tv don't say bye (try and unsee that now that i mention it).

i need to start with some bona fides - i have a degree in stock picking - yep, a whole undergraduate degree (look at me!). discount cash flow models, reading 10-Q's, options trading strategies, geometric brownian model prediction models, portfolio design and optimization - all the tools you need to invest in equity. and i used to think investing was supposed to be exciting. my friends all have stories about buying nVidia at the right time, or day trading oil or the latest IP