Writing
Buy and die are automatic. Borrow is the only leg you operate — and the only leg you operate that can end the strategy early. Here is the test that decides it.
Aug 2026Everyone wants the year. On one book, five defensible sets of assumptions give year 5, year 8, year 16, year 25 — and never. The spread is the honest answer.
Aug 2026Borrowing against your portfolio takes thirty seconds. Underwriting it is the part that gets skipped. Here are the five questions a credit committee would ask.
Aug 2026A brokerage statement records the transaction. It cannot record the rule. Here is how to document investment decisions so the answer survives five years.
Jul 2026A dashboard reports. An instrument gates. One identical week of data, shown two ways — and the two-week persistence rule that decides whether anything happens.
Jul 2026Yes, you could build it in a spreadsheet — I did. The cost isn't capability. It's that one book gives three answers and nothing pins down which one is yours.
Jul 2026The danger isn't the week you panic and check — it's the two quiet weeks you didn't. Why governance is a cadence, not a mood, and a 15-minute review to run now.
Jul 2026Most portfolio health checks grade what you own. This one grades how you run it — four components, a published formula, and a margin gate that caps the score.
Jul 2026A strategy in your head isn't a policy. Here's the one-page investment policy statement template — and how it becomes your Investment Charter.
Jul 2026AI can trade your money in milliseconds — and be wrong just as fast. I'd rather have an engine that recommends and lets me decide. Here's the difference.
Jul 2026Firing a 1% advisor saves the fee — but you also fire the six supervision jobs it quietly did. The fix isn't rehiring; it's governing your own book.
Jul 2026DIY, robo, or an advisor isn't the whole menu. The fourth option — governance — keeps your control and fee savings while adding the supervision you lack.