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Money Flow

How money really works, and how to make smarter financial decisions with it.

Platform
Substack
PricingFreemiumPublishesWeekly
Issues22Founded5 months agoLast Issue2 days ago
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Latest Issues

The Dumbest Portfolio Usually Wins

In 2007, Warren Buffett made a public challenge to the entire hedge fund industry. He offered to bet $500,000 that a single, brainless, unmanaged index fund would outperform any collection of hand-picked hedge funds over ten years. He named...

2 days ago
3

1.06 | How Markets Work

Somewhere right now, someone is watching Apple’s stock (or could be any) price tick up and thinking: Good, Apple is doing well today.

Apple does not care. Apple did not receive a single dollar from that trade. The person who sold those sha...

9 days ago
8
2

1.05 | What Debt Actually Costs You?

Here is a number that does not appear on any loan agreement: a $35,000 car, financed over five years, will cost you closer to $65,000 when you count everything.

Depreciation. Interest. Insurance. Maintenance.

And the money that could ha...

17 days ago
15

1.04 | The Most Expensive Word in Personal Finance Is "Someday"

Most people plan to start investing someday.

Someday, when they earn a bit more. Someday, when the market feels less uncertain. Someday, when they finally understand it well enough to feel ready. Someday is free to say and extraordinarily...

24 days ago
10

1.03 | The Three Buckets

Most people save whatever is left at the end of the month. The problem is, there is never anything left.

In 1924, a cup of tea in London cost about a penny. Today, that same cup costs well over a pound. That is not a pricing quirk. That is...

a month ago
12
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