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Straight Edge Finance

Clark Troy

If not no-nonsense, then low-nonsense thoughts on the life financial.

Platform
Substack
PricingOnly free issuesPublishesDaily
Issues30SubscribersRead straightedgefinance.substack.com

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Latest Issues

Recent posts by this newsletter. Browse the email archive.

Health Savings Accounts -- the Triple Tax Threat!

The US Federal Tax code challenges the typical mortal through — among other things — the endless proliferation of account types and rules associated with them. 401k, 403b, 457f, 457b, defined benefit, cash balance, PSP, Roth IRA, Roth 401k,...

a month ago
2
3

Bubble hubbub, impending retirement and sequence of returns risk

There’s a lot of chatter out there about where we are in the AI hype- and market-cycle. Many bandy about the word bubble when babbling of big beneficiaries of AI bets. Without a doubt, stocks are priced at a substantial premiun. The forward...

3 months ago
4
0

The Creeping, Crawling Financial Crisis

I don’t know about you, but over the last couple of years my homeowner’s insurance rates have been going up. From 2023 to 2024 they went up somewhere around 35-40%, then maybe 7% last year. Some of that was due to a tax revaluation, but a l...

4 months ago
4
1

Gridlock, budget scoring, and the hidden costs of complexity

A week or so back I ran into a woman I know who’s a very thoughtful, diligent Medicare specialist: her sole job is to help people pick out Medicare plans. “How’s it going?” I innocently asked. She gazed back at me with the grim ennui of one...

5 months ago
0
0

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Authors

The writers behind this newsletter.

  • Clark Troy

    Financial planner and recovering Russian Literature scholar

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