@osoobvious.bsky.social
“Risk tolerance” is one of the most frequently invoked - and least understood - ideas in investing. Self-assessed risk tolerance is a losing battle. But there is a better way. #risktolerance #volatilityisnotrisk #marketpsychology #ivestoreducation #financialdecisionmaking #smartinvesting
Risk Tolerance is Not a Feeling
“Risk tolerance” is one of the most frequently invoked - and least understood - ideas in investing. Self-assessed risk tolerance is a losing battle. But there is a better way.
open.substack.com
January 29, 2026 at 4:59 PM
“Risk tolerance” is one of the most frequently invoked - and least understood - ideas in investing. Self-assessed risk tolerance is a losing battle. But there is a better way. #risktolerance #volatilityisnotrisk #marketpsychology #ivestoreducation #financialdecisionmaking #smartinvesting
Desperation Capitalism turns investing into survival. This piece shows a path to rebuilding discipline and long-term wealth. #desperationcapitalism #GenZInvesting #InvestingPsychology
The Path Out of Desperation Capitalism
Desperation Capitalism turns investing into survival. This piece shows a path to rebuilding discipline and long-term wealth.
open.substack.com
January 25, 2026 at 5:01 PM
Desperation Capitalism turns investing into survival. This piece shows a path to rebuilding discipline and long-term wealth. #desperationcapitalism #GenZInvesting #InvestingPsychology
Desperation Capitalism describes a growing behavioral pattern, in which capital markets are treated as urgent escape hatches from economic fragility. #desperationcapitalism #survivalism #highrisktrading #smartinvesting #obviousmoney
The Rise of Desperation Capitalism
Desperation Capitalism describes a growing behavioral pattern, in which capital markets are treated as urgent escape hatches from economic fragility.
open.substack.com
January 19, 2026 at 5:01 PM
Desperation Capitalism describes a growing behavioral pattern, in which capital markets are treated as urgent escape hatches from economic fragility. #desperationcapitalism #survivalism #highrisktrading #smartinvesting #obviousmoney
“Retire or get retired” should be viewed as an invitation: to recognize that we live in a narrow window of history where time, capital, and longevity can be aligned, if we act before momentum fades. #retirementplanning #smartinvesting
Retirement Series #5: Retire Or Get Retired
“Retire or get retired” is an invitation: to recognize that we live in a narrow window of history where time, capital, and longevity can be aligned.
open.substack.com
January 15, 2026 at 4:58 PM
“Retire or get retired” should be viewed as an invitation: to recognize that we live in a narrow window of history where time, capital, and longevity can be aligned, if we act before momentum fades. #retirementplanning #smartinvesting
Learning to become politically agnostic about investing reduces risk. By being neutral, investors can game the election cycle. Here's how. #stayneutral #smartinvesting #obviousmoney
The Politically Agnostic Investor
Learning to become politically agnostic about investing reduces risk. Instead investors should game the election cycle. Here's how.
open.substack.com
January 11, 2026 at 5:01 PM
Learning to become politically agnostic about investing reduces risk. By being neutral, investors can game the election cycle. Here's how. #stayneutral #smartinvesting #obviousmoney
Data shows parents consistently fail to discuss retirement plans with their families. Yet, narrative is one of the most significant ways to leave a lasting legacy. #retirement #pre-tirement #financialplanning #smartinvesting #obviousmoney
Retirement Series #4: Building a Lasting Legacy
Data shows parents consistently fail to discuss retirement plans with their families. Yet, narrative is one of the most significant ways to leave a lasting legacy.
open.substack.com
January 8, 2026 at 4:57 PM
Data shows parents consistently fail to discuss retirement plans with their families. Yet, narrative is one of the most significant ways to leave a lasting legacy. #retirement #pre-tirement #financialplanning #smartinvesting #obviousmoney
As U.S. Healthcare costs and outcomes diverge, AI will make the system’s inner workings visible and vulnerable. Resulting in information asymmetry collapse. #ushealthcare #healthcarecrisis
U.S. HealthCare: The Asymmetry Collapse
As U.S. Healthcare Costs and Outcomes Diverge, Could AI Will Make the System’s Inner Workings Visible — And Vulnerable?
open.substack.com
January 4, 2026 at 5:23 PM
As U.S. Healthcare costs and outcomes diverge, AI will make the system’s inner workings visible and vulnerable. Resulting in information asymmetry collapse. #ushealthcare #healthcarecrisis
Many think retirement is an event. A date. A number. But it's actually a slope. The earlier we start on that slope, the better. #RetirementPlanning #retirementgoals #SmartInvesting #obviousmoney #compounding
Retirement Series #3: Start Early
Many think retirement is an event. A date. A number. But it's actually a slope. The earlier we start on that slope, the better.
open.substack.com
December 19, 2025 at 2:09 AM
Many think retirement is an event. A date. A number. But it's actually a slope. The earlier we start on that slope, the better. #RetirementPlanning #retirementgoals #SmartInvesting #obviousmoney #compounding
It seems obvious that the U.S. healthcare system in trouble. But why? As someone who has experienced both U.S. and European systems, I have a pretty good idea about the problems and potential solutions. #ushealthcare #smartinvesting
Why U.S. Healthcare Is in Trouble
Other modern nations treat healthcare as a utility; the U.S. treats it as a commercial bazaar. The result is predictable: price inflation, fragmentation, and institutional inertia.
www.osoobvious.com
December 15, 2025 at 2:27 AM
It seems obvious that the U.S. healthcare system in trouble. But why? As someone who has experienced both U.S. and European systems, I have a pretty good idea about the problems and potential solutions. #ushealthcare #smartinvesting
Trading rewards accuracy and timing; investing rewards good choices plus time. A matter of different temperaments, incentives, and outcomes. #smartinvesting #stocktrading #investsmart
Trading vs Investing
Trading rewards accuracy and timing every day; investing rewards good choices plus time. That’s not simple semantics - it’s different temperaments, incentives, and outcomes.
open.substack.com
December 7, 2025 at 11:00 PM
Trading rewards accuracy and timing; investing rewards good choices plus time. A matter of different temperaments, incentives, and outcomes. #smartinvesting #stocktrading #investsmart
Pre-tirement is the art of shifting gears, not slamming the brakes. It’s gaining traction as people seek purpose, flexibility, and financial sanity. The future isn’t “retired vs. working” - it’s a creative remix of both. #pretirement #investingstrategy #InvestSmart #obviousmoney #retirementgoals
Retirement Series: "Pre-tirement"
Pre-tirement is the art of shifting gears, not slamming the brakes. It’s gaining traction as people seek purpose, flexibility, and financial sanity. The future isn’t “retired vs. working” - it’s a cre...
open.substack.com
December 4, 2025 at 6:29 PM
Pre-tirement is the art of shifting gears, not slamming the brakes. It’s gaining traction as people seek purpose, flexibility, and financial sanity. The future isn’t “retired vs. working” - it’s a creative remix of both. #pretirement #investingstrategy #InvestSmart #obviousmoney #retirementgoals
AI bubble talk suggests a coming collapse or a “pop” that is unavoidable. Is it though? It may actually be a buy signal hidden in clear sight. #AIBubble #SmartInvesting #MoneyMadeSimple #obviousmoney
Burry, Bubbles & Buy Signals
Bubble talk suggests collapse or a “pop” that is unavoidable. Is it though? It may actually be a buy signal hidden in clear sight.
open.substack.com
November 30, 2025 at 5:10 PM
AI bubble talk suggests a coming collapse or a “pop” that is unavoidable. Is it though? It may actually be a buy signal hidden in clear sight. #AIBubble #SmartInvesting #MoneyMadeSimple #obviousmoney
Despite endless doom-hungry headlines, the modern economy is sturdier, safer, and more opportunity-rich than any prior era. There are plenty of reasons to be thankful this Thanksgiving Day. #thankyouforyoursupport #Thanksgiving2025 #Grateful #SmartInvesting
The 2025 Thanksgiving Ledger
Despite endless doom-hungry headlines, the modern economy is sturdier, safer, and more opportunity-rich than any prior era. There are plenty of reasons to be thankful this Thanksgiving Day.
open.substack.com
November 27, 2025 at 5:08 PM
Despite endless doom-hungry headlines, the modern economy is sturdier, safer, and more opportunity-rich than any prior era. There are plenty of reasons to be thankful this Thanksgiving Day. #thankyouforyoursupport #Thanksgiving2025 #Grateful #SmartInvesting
No one wants to lose their money, but it isn’t a reason to avoid investing. The real enemy isn’t necessarily “risky” stocks - it’s the slow, silent rot of inflation. #smartinvesting #investmentguide #obviousmoney
"I Can't Afford to Lose My Money!"
No one wants to lose their money, but it isn’t a reason to avoid investing. The real enemy isn’t necessarily “risky” stocks - it’s the slow, silent rot of inflation.
www.osoobvious.com
November 27, 2025 at 4:58 PM
No one wants to lose their money, but it isn’t a reason to avoid investing. The real enemy isn’t necessarily “risky” stocks - it’s the slow, silent rot of inflation. #smartinvesting #investmentguide #obviousmoney
Everyone talks about foreign countries “owning America.” The truth is: the biggest holder of U.S. debt is not China or Japan. #usdeficit #smartinvesting #moneymadesimple #obviousmoney
The Truth About the U.S. Deficit (Part 1)
Everyone talks about foreign countries “owning America.” The truth is: the biggest holder of U.S. debt is not China or Japan.
www.osoobvious.com
November 23, 2025 at 4:50 PM
Everyone talks about foreign countries “owning America.” The truth is: the biggest holder of U.S. debt is not China or Japan. #usdeficit #smartinvesting #moneymadesimple #obviousmoney
The U.S. deficit feels alarming mostly because big numbers rattle us. The real lens isn’t the raw debt figure; it’s the balance sheet: assets, liabilities, and scale. #usdeficit #usdebt #smartinvesting #obviousmoney
The Truth About the U.S. Deficit (Part 2)
The U.S. deficit feels alarming mostly because big numbers rattle us. The real lens isn’t the raw debt figure; it’s the balance sheet: assets, liabilities, and scale.
open.substack.com
November 20, 2025 at 5:01 PM
The U.S. deficit feels alarming mostly because big numbers rattle us. The real lens isn’t the raw debt figure; it’s the balance sheet: assets, liabilities, and scale. #usdeficit #usdebt #smartinvesting #obviousmoney
Most “news” is noise. But you can easily filter noise from news that matters, using science-backed techniques. Find out how... #MoneyMadeEasy #obviousmoney #smartinvesting #newsnotnoise
How to Filter 'Noise' From 'News'
Most “news” is noise. But you can easily filter noise from news that matters, using science-backed techniques.
www.osoobvious.com
November 16, 2025 at 5:06 PM
Most “news” is noise. But you can easily filter noise from news that matters, using science-backed techniques. Find out how... #MoneyMadeEasy #obviousmoney #smartinvesting #newsnotnoise
As we head down the road towards our financial goals, stop and ask: in the end, does the path really matter? #financialgoals
Does the Path to Your Goals Really Matter?
Investors obsess over the “best” way to reach their financial goals - strategy tweaks, timing, market forecasts, shortcuts. But the path itself isn’t what determines success. Discipline does.
www.osoobvious.com
November 13, 2025 at 5:10 PM
As we head down the road towards our financial goals, stop and ask: in the end, does the path really matter? #financialgoals
After 25 years in investments, I learned how the most successful investors are those who set clear goals. #investinggoals #smartinvesting #moneymadesimple
How to Set Investment Goals
A real investment goal isn’t “to make a lot of money.” It’s to reach a specific number by a specific time; and to know what needs to happen in between.
www.osoobvious.com
November 6, 2025 at 5:08 PM
After 25 years in investments, I learned how the most successful investors are those who set clear goals. #investinggoals #smartinvesting #moneymadesimple
Let’s walk through the classic (and not-so-classic) ways to double your investments - and what actually works over time. #investingguide #smartinvesting #moneymadesimple #obviousmoney
5 Ways to Double Your Money
Everyone wants to double their money. It isn’t about luck, timing, or insider access - it’s about patience, compounding, and smart risk-taking. Let’s look at what actually works over time.
www.osoobvious.com
November 2, 2025 at 7:36 PM
Let’s walk through the classic (and not-so-classic) ways to double your investments - and what actually works over time. #investingguide #smartinvesting #moneymadesimple #obviousmoney
When it comes to investing 20/20 vision doesn't work like you think. #smartinvesting #moneymadesimple #lookforward #obviousmoney
The Lie of Perfect Hindsight
Hindsight isn’t 20/20. It flatters us, distorts lessons, and tempts us to confuse being lucky with being right. Real wisdom isn’t in looking back clearly; it’s in looking forward honestly.
www.osoobvious.com
October 30, 2025 at 9:43 PM
When it comes to investing 20/20 vision doesn't work like you think. #smartinvesting #moneymadesimple #lookforward #obviousmoney
When it comes to markets, does "No News is Good News" still apply? #smartinvesting #obviousmoney #moneymadesimple #marketnews
"No News Is Good News!" Really?
No news creates uncertainty. Uncertainty is the market’s least favorite four-letter word. News itself, even bad news, creates clarity.
www.osoobvious.com
October 26, 2025 at 5:58 PM
When it comes to markets, does "No News is Good News" still apply? #smartinvesting #obviousmoney #moneymadesimple #marketnews
Welcome to one of the most fascinating psychological distortions in investing and in life. Our brains quietly move the goalposts, converting progress into perceived loss. Here's what we can do about it. #abundancemindset #obviousmoney #SmartInvesting #MoneyMadeSimple
Abundance vs. Scarcity: The Investor's Dilemma
Welcome to one of the most fascinating psychological distortions in investing and in life. Our brains quietly move the goalposts, converting progress into perceived loss. Here's what we can do about i...
www.osoobvious.com
October 23, 2025 at 4:00 PM
Welcome to one of the most fascinating psychological distortions in investing and in life. Our brains quietly move the goalposts, converting progress into perceived loss. Here's what we can do about it. #abundancemindset #obviousmoney #SmartInvesting #MoneyMadeSimple