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Investment Workshop 32: Up Goes Interest Rates

Hello again and welcome back to the Millennial Revolution Investment Workshop! New readers, please click here to start from the beginning. Last week on June 14th, the US Federal Reserve did something that just a few years ago would have been unthinkable: they hiked interest rates. This is the 3rd such hike since December, bringing the Federal Fund benchmark rate from 0.5% in 2016 to 1.25% today. But what does it mean? Why would the Fed do that? And how will that affect our Investment Portfolio? Let’s talk a little about that, shall we? What The Hell Is This Thing? […]

Workshop 31: Why Everyone Needs to Learn To Invest

Hello again and welcome back to the Millennial Revolution Investment Workshop! New readers, please click here to start from the beginning. It’s no secret that this blog has attracted its fair share of haters. “Oh, you’re so biased!” they moan. “You’re not being fair to homeowners!” the complain. “You must hate housing!” For the record, we don’t hate housing. In TV and radio interviews we try to repeat this as much as possible because it’s a misconception that we hate housing, or we think housing is bad as an investment. We DO, however, think it’s USELESS as an investment. The […]

Investment Workshop 30: What the F@#$ Is Opportunity Cost?

Hello again and welcome back to the Millennial Revolution Investment Workshop! New readers, please click here to start from the beginning. By now, we’ve done over a dozen Reader Cases on this weird little blog of ours, and contrary to popular belief, we don’t do them to make ourselves look smart (that’s just a happy side benefit). We do them to demonstrate how to a proper financial analysis of a person’s situation. The REAL hope is that by doing them over and over again for different people’s situation, our intrepid readers (you) will learn how to do it themselves and apply […]

Investment Workshop 29: Why You Want Liquidity

Hello again and welcome back to the Millennial Revolution Investment Workshop! New readers, please click here to start from the beginning. A reader recently wrote in with the question: “Can you explain bid-ask spreads and why they’re important?” And I thought, sure, why not. Part of the appeal of writing these workshop articles is to see if I can explain weird esoteric financial concepts in ways that everyone can understand, and bid-ask spreads are as esoteric as they get, so here we go! Simply put, a bid-ask spread is the difference between the price you can buy a share vs. […]

Investment Workshop 28: How to Pay Off Your Student Debt With Your 401(k)

Hello again and welcome back to the Millennial Revolution Investment Workshop! New readers, please click here to start from the beginning. One of the most popular things we do on this blog are Reader Cases, and while they are (I won’t lie) a TON of work for us, they never cease to surprise us in the comments they generate, because we invariably learn something from people who were in a similar situation or have something interesting to add. Here’s last Friday’s Reader Case. In it, our intrepid reader had pulled out of poverty by getting into college, amassing 5 degrees, and […]

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