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Ben Carlson @bencarlson007.bsky.social · 4d

The 2020s boom times:

The rich are getting richer

But low income Americans now own more stocks than ever before

Housing is more expensive

But that has made more young ppl invest in the stock market

Two positive trends in household wealth:

awealthofcommonsense.com/2025/10/two-...

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Ben Carlson @bencarlson007.bsky.social · 5d

Since 1990 the S&P 500 has averaged 31 down days a year w/losses of 1% or worse

It happens

Stocks go down too

awealthofcommonsense.com/2025/10/stoc...

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Ben Carlson @bencarlson007.bsky.social · 6d

Some questions:

Are we in for a melt-up?

How do you make forecasts in a bubble?

What's the worst-case AI scenario?

Would an AI bust lead to a recession?

Will anyone call the eventual top?

awealthofcommonsense.com/2025/10/some...

Is This the Top? - A Wealth of Common Sense

Can anyone call the top in this market?

awealthofcommonsense.com

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loan.alyzer @loan.alyzer.com · 7d

Explore More Inspiration-->
loan.alyzer.com/instant-insp...

#ErnestHemingwayWisdom
#mindset #framing #action #change #journey #forward #growth #Quotes #Progress #experience #Life #Lessons #wisdom
#Sunday #Timeless #Advice #quote #tshirt #inspiration

Quote "It is good to have an end to journey toward; but it is the journey that matters, in the end."
-Ernest Hemingway

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Ben Carlson @bencarlson007.bsky.social · 8d

Are we in a new normal of stock market concentration?

awealthofcommonsense.com/2025/10/the-...

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Ben Carlson @bencarlson007.bsky.social · 10d

Americans have never been wealthier than they are today

So why don't more ppl feel rich?

-Inflation
-Inflated expectations
-Wealth inequality

awealthofcommonsense.com/2025/10/why-...

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Ben Carlson @bencarlson007.bsky.social · 12d

Some spending rules:

Randomly pick up the tab for your friends on a night out

Vacations give you more memories than the balance of your portfolio

Certain material possessions can make you happier

Save & invest up front so you can spend guilt free

awealthofcommonsense.com/2025/10/bens...

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Ben Carlson @bencarlson007.bsky.social · 13d

The stock market bottoms 9 months before earnings in bear markets (on average)

But stocks and earnings top around the same time at the bull market peaks

So the market is forward looking at bottoms not so much at tops

No one's perfect

awealthofcommonsense.com/2025/10/can-...

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loan.alyzer @loan.alyzer.com · 14d

Explore More Inspiration-->
loan.alyzer.com/instant-insp...

#ElllenGlasgowWisdom
#mindset #framing #action #change #movement #forward #growth #Quotes #Progress #experience #Life #Lessons #wisdom
#Sunday #Timeless #Advice #quote #tshirt #inspiration

Quote "All change is not growth, as all movement is not forward."
-Ellen Glasgow

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Ben Carlson @bencarlson007.bsky.social · 16d

4 ways to invest in a bubble:

1. Pull a George Soros and go all-in

2. Cash out/hedge

3. Diversify

4. Do nothing

Here's what I'm doing:

awealthofcommonsense.com/2025/10/how-...

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Ben Carlson @bencarlson007.bsky.social · 18d

Why was the stock market up so much in the 2010s?

Why is it up so much in the 2020s?

Two words - earnings growth

It was 10.6% per year in the 2010s

It's 9% per year this decade

awealthofcommonsense.com/2025/09/why-...

Why is the Stock Market Up So Much in the 2020s? - A Wealth of Common Sense

A closer look at the biggest driver of stock market returns over the past 13 decades.

awealthofcommonsense.com

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Ben Carlson @bencarlson007.bsky.social · 19d

There is a symmetry to bear markets in the short-term

In the long-term there is an asymmetric relationship between bull and bear markets

You just have to survive the short run to get to the long run

awealthofcommonsense.com/2025/09/how-...

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loan.alyzer @loan.alyzer.com · 21d

Explore More Inspiration-->
loan.alyzer.com/instant-insp...

#YogiBerraWisdom
#baseball #see #mindset #framing #action #Quotes #experience #Life #Lessons #wisdom
#Sunday #Timeless #Advice #quote #tshirt #inspiration

Quote "If you don't know where you are going, you'll end up someplace else."
-Yogi Berra

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Ben Carlson @bencarlson007.bsky.social · 21d

The AI boom feels a lot like the railway & dot-com bubbles

It seems so obvious

So why is gold outperforming tech stocks?

Why is there $7.7 trillion in money markets?

Some thoughts on the weirdest bubble ever:

awealthofcommonsense.com/2025/09/the-...

The Weirdest Bubble Ever - A Wealth of Common Sense

The AI bubble has gone plaid.

awealthofcommonsense.com

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Ben Carlson @bencarlson007.bsky.social · 23d

A 22-year-old introvert asked for some career advice about finance jobs, communication and taking some time off

I have some thoughts:

awealthofcommonsense.com/2025/09/the-...

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Ben Carlson @bencarlson007.bsky.social · 25d

Everyone talks about the 4% rule but most retirees don't come close to that number

Married 65-year-olds with at least $100k in assets withdraw just 2.1% per year from their savings

Retirees spend ~50% of their savings on average

awealthofcommonsense.com/2025/09/why-...

Why the 4% Rule is More Like the 2% Rule - A Wealth of Common Sense

Does anyone actually follow the 4% rule?

awealthofcommonsense.com

5 4 30

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The College Investor @thecollegeinvestor.com · 26d

Turns out student loan forgiveness takes more than just waiting. Think 5 to 30 years of steady payments, annual income certifications, and job qualification checks. Skipping a step could cost years. Know the timeline before trusting shortcuts.
#studentloans
thecollegeinvestor.com/64692/how-lo...

No, Student Loan Forgiveness Isn’t Instant—Here’s Why

From 5 to 30 years, student loan forgiveness programs vary. Make sure you understand the rules so you can create a solid plan.

thecollegeinvestor.com

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loan.alyzer @loan.alyzer.com · 26d

Reconnecting with an Old Friend!

loan.alyzer @loan.alyzer.com · 26d

Make Time to Do things you enjoy!

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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 26d

Natural Anti-Depressants

· Exercise
· Sunlight
· Laughter
· Meditation
· Good friends
· Quality sleep
· Healthy food
· A walk outside
· Helping others

Anything else you'd add?

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The College Investor @thecollegeinvestor.com · 27d

What’s considered “high” student loan debt? Over $100k is often flagged. But your personal tipping point might be lower. It’s okay to measure that based on your ability to pay, your career path, or even how stressed it makes you feel.
thecollegeinvestor.com/20368/consid...

What is Considered High Student Loan Debt?

Wondering how your student loan debt high or low? This is how you can tell.

thecollegeinvestor.com

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The College Investor @thecollegeinvestor.com · 27d

Did you know that you can roll your IRA into your 401k?
#investing
thecollegeinvestor.com/17784/unders...

Understanding The IRA To 401k Reverse Rollover

What it is, and the steps to take, if you want to do the IRA to 401k reverse rollover of your retirement account.

thecollegeinvestor.com

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Voronoi @voronoiapp.bsky.social · 27d

U.S. is once again the world's frontrunner in private AI investment in 2024, leaving other countries behind with a whopping $109.1B 🤖

Pradeep Jayakody breaks down the data at: https://www.voronoiapp.com/category/AI-Private-Investment-A-Global-Breakdown-in-2024-6637

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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 27d

Unpopular opinion: $100,000/year at a 9 to 5 with benefits beats $80,000 “working for yourself”.

Many entrepreneurs talk about freedom but end up working longer hours than employees.

A well-paying 9 to 5 with health insurance, retirement match, and paid time off is worth more.

Agree or disagree?

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Ben Carlson @bencarlson007.bsky.social · 27d

There are fewer public companies b/c firms are staying private longer

Is this impacting the performance of small caps?

I say no it's not that simple:

awealthofcommonsense.com/2025/09/are-...

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