Kim How money beliefs and behaviors are formed in childhood and early experience, the most common money scripts that drive dysfunctional financial behavior, and evidence-based approaches to developing healthier financial psychology.
What REITs are, how they are structured, the different types from residential to commercial to specialized, their income and return characteristics, tax treatment of REIT dividends, and how to incorporate them in a portfolio.
What inflation actually is, how it is measured, which expenses inflate faster than average, how different asset classes preserve or lose purchasing power over time, and how to protect your wealth from inflation’s slow erosion.
The specific budgeting systems that work for seasonal workers, commission earners, freelancers, and entrepreneurs who cannot predict their monthly income with certainty — and how to build financial stability despite income variability.
How whole life insurance policies actually work, what the cash value component really earns, the true cost of insurance versus buying term and investing the difference, and the narrow circumstances where whole life has legitimate uses.
What the Federal Reserve actually does, how its interest rate decisions affect mortgages, savings accounts, stock prices, and the broader economy, and how to think about Fed policy in your personal financial planning.
The mechanics of dollar-cost averaging, what the research shows about its performance versus lump-sum investing, when it genuinely helps, and how to think about it as a behavioral rather than purely mathematical strategy.
How target date funds work, what glide path means, how different fund families differ in their approach, the fee considerations, and when target date funds are the right choice versus building your own allocation.
How call and put options work mechanically, what the risks and costs are, why the odds favor sellers over buyers, and the limited situations where options make sense as part of a broader strategy.
Why savings rate is more predictive of financial outcomes than income, investment returns, or any other financial variable, how to calculate your actual savings rate, and the most effective ways to increase it without misery.