loan.alyzer
@loan.alyzer.com
34 followers 40 following 190 posts
Tools to manage money decisions - better. ---> https://loan.alyzer.com A mix of #health, #wealth and #wellness banter.
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Reposted by loan.alyzer
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-...
Reposted by loan.alyzer
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...
Reposted by loan.alyzer
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
Reposted by loan.alyzer
Reposted by loan.alyzer
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-...
Reposted by loan.alyzer
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...
Reposted by loan.alyzer
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-...
Reposted by loan.alyzer
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-...
Reposted by loan.alyzer
Reposted by loan.alyzer
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-...
Reposted by loan.alyzer
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
Reposted by loan.alyzer
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-...
Reposted by loan.alyzer
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
Reposted by loan.alyzer
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
Reconnecting with an Old Friend!
Make Time to Do things you enjoy!
Reposted by loan.alyzer
Natural Anti-Depressants

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

Anything else you'd add?
Reposted by loan.alyzer
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
Reposted by loan.alyzer
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
Reposted by loan.alyzer
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?
Reposted by loan.alyzer
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-...