Stoic Financial Planning
Carter McClung Carter McClung

Stoic Financial Planning

Wealth is not limited to those who have money. Rather, wealth is limited to those who ascend to an excellent moral character.

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The cost (& power) of leverage
Carter McClung Carter McClung

The cost (& power) of leverage

Just as physical leverage allows you to lift an object with less effort, financial leverage allows you to increase return with less capital. Is this finally the cheat code we’ve been waiting for?

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Budgeting: Inverted
Carter McClung Carter McClung

Budgeting: Inverted

What isn’t measured doesn’t progress. Budgeting is the key, but how can you create a budget that actually works?

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Stock Picking: Luck or Skill?
Carter McClung Carter McClung

Stock Picking: Luck or Skill?

We’re overweight our belief in skill and underweight our belief in consistency. What odds for a successful financial independence are you will to accept?

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The Art of Delayed Gratification
Carter McClung Carter McClung

The Art of Delayed Gratification

A healthy body, clear mind, loving relationship, & true wealth lies in your ability to delay gratification. Why are some better at delaying gratification than others?

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The Tax Arbitrage Game
Carter McClung Carter McClung

The Tax Arbitrage Game

With little effort you can enhance flexibility with your savings to reduce lifetime taxes paid and increase your net worth. Are you paying more tax than you should?

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80/20 Rules of Financial Planning
Carter McClung Carter McClung

80/20 Rules of Financial Planning

All effort is not rewarded the same. You can receive massive returns by focusing on the key attributes responsible for growth in each discipline of financial planning.

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Are you saving enough?
Carter McClung Carter McClung

Are you saving enough?

Saving is simple in theory but hard in practice. How can you build a sustainable savings habit?

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The Equity Premium
Carter McClung Carter McClung

The Equity Premium

Historically, investors have been rewarded with excess return for owning stocks over bonds. As an investor, the question to ask yourself is how confident should you be over the long-term to expect a positive equity risk premium?

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Are we better off with pensions or 401ks?
Carter McClung Carter McClung

Are we better off with pensions or 401ks?

401ks compared to pensions are a superior retirement savings vehicle contingent on discipline and consistency. Yet, while many Americans have the opportunity to enter retirement with more monthly income - they end up with less.

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