loan.alyzer
@loan.alyzer.com
Tools to manage money decisions - better. ---> https://loan.alyzer.com
Reposted by loan.alyzer
The Nasdaq 100 has just 5 down years since 1995
Remarkably every one of those losses has been 30% or worse
2000: -36.1%
2001: -33.3%
2002: -37.4%
2008: -41.7%
2022: -32.4%
awealthofcommonsense.com/2025/12/the-...
Remarkably every one of those losses has been 30% or worse
2000: -36.1%
2001: -33.3%
2002: -37.4%
2008: -41.7%
2022: -32.4%
awealthofcommonsense.com/2025/12/the-...
December 8, 2025 at 2:42 PM
The Nasdaq 100 has just 5 down years since 1995
Remarkably every one of those losses has been 30% or worse
2000: -36.1%
2001: -33.3%
2002: -37.4%
2008: -41.7%
2022: -32.4%
awealthofcommonsense.com/2025/12/the-...
Remarkably every one of those losses has been 30% or worse
2000: -36.1%
2001: -33.3%
2002: -37.4%
2008: -41.7%
2022: -32.4%
awealthofcommonsense.com/2025/12/the-...
Reposted by loan.alyzer
Returns this year:
US stocks +18%
International stocks +30%
US bonds +7%
Simple 3-fund 60/40 portfolio +16%
Boring investing still works:
awealthofcommonsense.com/2025/12/bori...
US stocks +18%
International stocks +30%
US bonds +7%
Simple 3-fund 60/40 portfolio +16%
Boring investing still works:
awealthofcommonsense.com/2025/12/bori...
December 6, 2025 at 4:47 PM
Returns this year:
US stocks +18%
International stocks +30%
US bonds +7%
Simple 3-fund 60/40 portfolio +16%
Boring investing still works:
awealthofcommonsense.com/2025/12/bori...
US stocks +18%
International stocks +30%
US bonds +7%
Simple 3-fund 60/40 portfolio +16%
Boring investing still works:
awealthofcommonsense.com/2025/12/bori...
Reposted by loan.alyzer
In the past 76 years nationwide housing prices have fallen just 7x
Housing prices have fallen 2x in the past 11 recessions
Is it finally going to happen in 2026?
awealthofcommonsense.com/2025/12/will...
Housing prices have fallen 2x in the past 11 recessions
Is it finally going to happen in 2026?
awealthofcommonsense.com/2025/12/will...
December 5, 2025 at 3:04 PM
In the past 76 years nationwide housing prices have fallen just 7x
Housing prices have fallen 2x in the past 11 recessions
Is it finally going to happen in 2026?
awealthofcommonsense.com/2025/12/will...
Housing prices have fallen 2x in the past 11 recessions
Is it finally going to happen in 2026?
awealthofcommonsense.com/2025/12/will...
Reposted by loan.alyzer
What if you retired into a lost decade?
One of my readers retired at the peak of the dot-com bubble followed by two crashes & a lost decade
Here's the story about how he managed his investment plan through some seriously bad luck on retirement timing:
awealthofcommonsense.com/2025/11/the-...
One of my readers retired at the peak of the dot-com bubble followed by two crashes & a lost decade
Here's the story about how he managed his investment plan through some seriously bad luck on retirement timing:
awealthofcommonsense.com/2025/11/the-...
December 4, 2025 at 6:09 PM
What if you retired into a lost decade?
One of my readers retired at the peak of the dot-com bubble followed by two crashes & a lost decade
Here's the story about how he managed his investment plan through some seriously bad luck on retirement timing:
awealthofcommonsense.com/2025/11/the-...
One of my readers retired at the peak of the dot-com bubble followed by two crashes & a lost decade
Here's the story about how he managed his investment plan through some seriously bad luck on retirement timing:
awealthofcommonsense.com/2025/11/the-...
Reposted by loan.alyzer
There are two parallels between the railway bubble of the 1800s and the 2020s boom times:
1. It was a massive infrastructure buildout
2. It was full of grifters
But the grifters back then were on another level
Here's the story:
awealthofcommonsense.com/2025/11/the-...
1. It was a massive infrastructure buildout
2. It was full of grifters
But the grifters back then were on another level
Here's the story:
awealthofcommonsense.com/2025/11/the-...
The Railway Bubble vs. the AI Bubble - A Wealth of Common Sense
A story about George Hudson and the railway bubble.
awealthofcommonsense.com
December 4, 2025 at 6:02 PM
There are two parallels between the railway bubble of the 1800s and the 2020s boom times:
1. It was a massive infrastructure buildout
2. It was full of grifters
But the grifters back then were on another level
Here's the story:
awealthofcommonsense.com/2025/11/the-...
1. It was a massive infrastructure buildout
2. It was full of grifters
But the grifters back then were on another level
Here's the story:
awealthofcommonsense.com/2025/11/the-...
Reposted by loan.alyzer
We have a housing affordability crisis
The good news is housing is much more affordable in the US than many other developed countries
The bad news is unless we do something about it things could get even worse
awealthofcommonsense.com/2025/12/the-...
The good news is housing is much more affordable in the US than many other developed countries
The bad news is unless we do something about it things could get even worse
awealthofcommonsense.com/2025/12/the-...
December 3, 2025 at 3:37 PM
We have a housing affordability crisis
The good news is housing is much more affordable in the US than many other developed countries
The bad news is unless we do something about it things could get even worse
awealthofcommonsense.com/2025/12/the-...
The good news is housing is much more affordable in the US than many other developed countries
The bad news is unless we do something about it things could get even worse
awealthofcommonsense.com/2025/12/the-...
Reposted by loan.alyzer
Since 1928 the average peak-to-trough drawdown in a calendar year is -16%
The average down year in the stock market is -13%
How much will the stock market fall in 2026?
awealthofcommonsense.com/2025/11/how-...
The average down year in the stock market is -13%
How much will the stock market fall in 2026?
awealthofcommonsense.com/2025/11/how-...
How Much Will the Stock Market Fall in 2026? - A Wealth of Common Sense
What will happen to the stock market in 2026?
awealthofcommonsense.com
December 1, 2025 at 3:25 PM
Since 1928 the average peak-to-trough drawdown in a calendar year is -16%
The average down year in the stock market is -13%
How much will the stock market fall in 2026?
awealthofcommonsense.com/2025/11/how-...
The average down year in the stock market is -13%
How much will the stock market fall in 2026?
awealthofcommonsense.com/2025/11/how-...
Reposted by loan.alyzer
Is $1 million or a penny worth more? If that penny doubles every day for a month, it grows into over $5 million. Discover the power of math!
thecollegeinvestor.com/17145/would-...
thecollegeinvestor.com/17145/would-...
A Penny That Doubles Each Day For A Month Or $1 Million?
The Fable of the Grain of Rice shows how it's better to get a penny that doubles everyday versus having $1,000,000 up front.
thecollegeinvestor.com
November 29, 2025 at 5:03 PM
Is $1 million or a penny worth more? If that penny doubles every day for a month, it grows into over $5 million. Discover the power of math!
thecollegeinvestor.com/17145/would-...
thecollegeinvestor.com/17145/would-...
Reposted by loan.alyzer
Student loan forgiveness and taxes—an unsettling combo. But insolvency might just help you avoid those extra costs. Know what it means for you!
#studentloans
thecollegeinvestor.com/22725/studen...
#studentloans
thecollegeinvestor.com/22725/studen...
Student Loan Forgiveness And Insolvency: Avoid The Tax Bomb
Are you worried about the tax bomb associated with student loan debt forgiveness? Insolvency might stop that from happening. Here's what to know.
thecollegeinvestor.com
November 29, 2025 at 4:48 PM
Student loan forgiveness and taxes—an unsettling combo. But insolvency might just help you avoid those extra costs. Know what it means for you!
#studentloans
thecollegeinvestor.com/22725/studen...
#studentloans
thecollegeinvestor.com/22725/studen...
Reposted by loan.alyzer
Discover how your net worth may grow with age, with a peak expected as you near retirement 🏦
Visual Capitalist provides a glance at the insightful data: https://www.voronoiapp.com/category/Americans-Average-Net-Worth-by-Age-7233
Visual Capitalist provides a glance at the insightful data: https://www.voronoiapp.com/category/Americans-Average-Net-Worth-by-Age-7233
November 28, 2025 at 11:02 PM
Discover how your net worth may grow with age, with a peak expected as you near retirement 🏦
Visual Capitalist provides a glance at the insightful data: https://www.voronoiapp.com/category/Americans-Average-Net-Worth-by-Age-7233
Visual Capitalist provides a glance at the insightful data: https://www.voronoiapp.com/category/Americans-Average-Net-Worth-by-Age-7233
Reposted by loan.alyzer
The U.S. Stock Market rally of 2025 was significantly powered by four leading AI giants contributing to a colossal 49.7% surge 📈
Ehsan Soltani breaks it down and explores the data at: https://www.voronoiapp.com/category/-Four-AI-Giants-Drove-Half-of-the-2025-US-Stock-Market-Rally-7214
Ehsan Soltani breaks it down and explores the data at: https://www.voronoiapp.com/category/-Four-AI-Giants-Drove-Half-of-the-2025-US-Stock-Market-Rally-7214
November 26, 2025 at 3:03 PM
The U.S. Stock Market rally of 2025 was significantly powered by four leading AI giants contributing to a colossal 49.7% surge 📈
Ehsan Soltani breaks it down and explores the data at: https://www.voronoiapp.com/category/-Four-AI-Giants-Drove-Half-of-the-2025-US-Stock-Market-Rally-7214
Ehsan Soltani breaks it down and explores the data at: https://www.voronoiapp.com/category/-Four-AI-Giants-Drove-Half-of-the-2025-US-Stock-Market-Rally-7214
Reposted by loan.alyzer
We haven't had a long bear market for almost 20 years
Are investors prepared for a recessionary bear market that lasts more than a few months?
Do we need one to wash out the excesses?
Which generation of investors would feel the most pain?
awealthofcommonsense.com/2025/11/do-w...
Are investors prepared for a recessionary bear market that lasts more than a few months?
Do we need one to wash out the excesses?
Which generation of investors would feel the most pain?
awealthofcommonsense.com/2025/11/do-w...
November 22, 2025 at 3:03 PM
We haven't had a long bear market for almost 20 years
Are investors prepared for a recessionary bear market that lasts more than a few months?
Do we need one to wash out the excesses?
Which generation of investors would feel the most pain?
awealthofcommonsense.com/2025/11/do-w...
Are investors prepared for a recessionary bear market that lasts more than a few months?
Do we need one to wash out the excesses?
Which generation of investors would feel the most pain?
awealthofcommonsense.com/2025/11/do-w...
Reposted by loan.alyzer
A guy put 50% of his portfolio into MSTR in the $300s (it's now ~$175)
He used margin to make the purchase
The money was to be used to buy a home
Can you save an investor like this?
awealthofcommonsense.com/2025/11/goin...
He used margin to make the purchase
The money was to be used to buy a home
Can you save an investor like this?
awealthofcommonsense.com/2025/11/goin...
November 20, 2025 at 7:19 PM
A guy put 50% of his portfolio into MSTR in the $300s (it's now ~$175)
He used margin to make the purchase
The money was to be used to buy a home
Can you save an investor like this?
awealthofcommonsense.com/2025/11/goin...
He used margin to make the purchase
The money was to be used to buy a home
Can you save an investor like this?
awealthofcommonsense.com/2025/11/goin...
Reposted by loan.alyzer
The 401k max contribution limit is up ~30% in the 2020s
Investors always talk about what stocks to buy, biggest risks, economic data, etc
That stuff is far less important than simply maxing out your 401k every year
Saving more money is your best hedge
awealthofcommonsense.com/2025/11/max-...
Investors always talk about what stocks to buy, biggest risks, economic data, etc
That stuff is far less important than simply maxing out your 401k every year
Saving more money is your best hedge
awealthofcommonsense.com/2025/11/max-...
November 20, 2025 at 3:19 PM
The 401k max contribution limit is up ~30% in the 2020s
Investors always talk about what stocks to buy, biggest risks, economic data, etc
That stuff is far less important than simply maxing out your 401k every year
Saving more money is your best hedge
awealthofcommonsense.com/2025/11/max-...
Investors always talk about what stocks to buy, biggest risks, economic data, etc
That stuff is far less important than simply maxing out your 401k every year
Saving more money is your best hedge
awealthofcommonsense.com/2025/11/max-...
Reposted by loan.alyzer
Got student loans? Employers are increasingly offering repayment assistance as a benefit. With up to $5,250 tax-free, it’s worth exploring your options.
#studentloans #hr
#studentloans #hr
These Companies Will Help Pay Off Your Student Loans — Is Yours on the List?
Discover which companies offer student loan repayment assistance and how you can qualify. Updated list, benefit details, and strategy tips.
thecollegeinvestor.com
November 19, 2025 at 3:29 PM
Got student loans? Employers are increasingly offering repayment assistance as a benefit. With up to $5,250 tax-free, it’s worth exploring your options.
#studentloans #hr
#studentloans #hr
Reposted by loan.alyzer
Ever wish paying off student loans helped grow your retirement savings too? Companies like Comcast and Verizon are making it happen with 401(k) matches!
#studentloans
#studentloans
Why More Employers Are Matching 401(k)s Through Student Loan Payments
More companies now match 401(k) contributions based on student loan payments. Here's a list of major employers that offer the beneit.
thecollegeinvestor.com
November 18, 2025 at 3:25 PM
Ever wish paying off student loans helped grow your retirement savings too? Companies like Comcast and Verizon are making it happen with 401(k) matches!
#studentloans
#studentloans
11.17.25 update - Explore our updates to our loan option, true purchase cost, savings goal, and loan schedule tools ---> loan.alyzer.com
#personal #finance #loans #debt #credit #data #savings #shopping #lottery #networth #data #automobile #balance #transfer #lottery #lotto #budget #independence
#personal #finance #loans #debt #credit #data #savings #shopping #lottery #networth #data #automobile #balance #transfer #lottery #lotto #budget #independence
November 17, 2025 at 1:35 PM
Explore More Inspiration-->
loan.alyzer.com/instant-insp...
#ZigZiglarWisdom
#results #choice #action #change #journey #forward #growth #Quotes #Progress #experience #Life #Lessons #wisdom
#Monday #Timeless #Advice #quote #tshirt #inspiration #joy #lessons #MondayMotivation
loan.alyzer.com/instant-insp...
#ZigZiglarWisdom
#results #choice #action #change #journey #forward #growth #Quotes #Progress #experience #Life #Lessons #wisdom
#Monday #Timeless #Advice #quote #tshirt #inspiration #joy #lessons #MondayMotivation
November 17, 2025 at 1:24 PM
Reposted by loan.alyzer
Paying for college? Prioritize scholarships, savings, and work before considering loans. 📚💰
How To Pay For College: The Best Order Of Operations
If you are carving a strategy of how to pay for college, looking into various sources of funds, this might be the best order of operations.
thecollegeinvestor.com
November 16, 2025 at 9:25 PM
Paying for college? Prioritize scholarships, savings, and work before considering loans. 📚💰
Reposted by loan.alyzer
The narratives:
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
November 16, 2025 at 4:32 PM
The narratives:
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
It's a K-shaped economy
Young ppl are screwed
Only the rich are thriving
I get it but think we're taking this too far
What if things are better than they seem on social media?
Some facts, figures and thoughts on this:
awealthofcommonsense.com/2025/11/what...
Reposted by loan.alyzer
3 options to fix a broken housing market:
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
November 14, 2025 at 1:41 PM
3 options to fix a broken housing market:
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
1. 50 year mortgages (not that helpful)
2. One time 3% mortgage for anyone who missed out (not bad)
3. Build more housing (we're deregulating everything else but not this for some reason)
awealthofcommonsense.com/2025/11/the-...
Reposted by loan.alyzer
3 reasons we can't have another 1929:
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
Why We Can't Have Another 1929 - A Wealth of Common Sense
Could another Great Depression actually happen?
awealthofcommonsense.com
November 12, 2025 at 5:08 PM
3 reasons we can't have another 1929:
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
1. There are more rules in place (no SEC, FDIC back then)
2. The stock market is way more important (1-2% of households owned stocks in 1929)
3. Policymakers have learned from past crises
awealthofcommonsense.com/2025/11/why-...
Reposted by loan.alyzer
Looking to boost your retirement savings? Leverage your HSA! Enjoy pre-tax contributions, tax-free growth, and flexibility in withdrawals. 📈
#investing
#investing
HSAs: The Secret IRA Nobody Is Talking About
HSAs can double as a secret IRA and allow you triple tax benefits so that you can save for the future in a tax deferred account.
thecollegeinvestor.com
November 11, 2025 at 4:16 PM
Looking to boost your retirement savings? Leverage your HSA! Enjoy pre-tax contributions, tax-free growth, and flexibility in withdrawals. 📈
#investing
#investing
Reposted by loan.alyzer
Confused about choosing between an HSA and an FSA? Both offer benefits, but have unique features. Find out the differences and pick the right one for your needs.
thecollegeinvestor.com/32275/hsa-an...
thecollegeinvestor.com/32275/hsa-an...
Here’s the Smart Way to Choose Between an HSA and FSA
Understand the difference between HSA and FSA accounts, 2026 contribution limits, and which one fits your health plan.
thecollegeinvestor.com
November 10, 2025 at 7:27 PM
Confused about choosing between an HSA and an FSA? Both offer benefits, but have unique features. Find out the differences and pick the right one for your needs.
thecollegeinvestor.com/32275/hsa-an...
thecollegeinvestor.com/32275/hsa-an...
Reposted by loan.alyzer
In the Roaring 20s Benjamin Graham turned $400k into $2.5 million
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...
November 11, 2025 at 9:21 PM
In the Roaring 20s Benjamin Graham turned $400k into $2.5 million
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...
After the crash from 1929-1932 the $2.5 million turned into just $375k
In his memoir Graham wrote about how hubris was the cause of his losses
Some thoughts on bull market brain:
awealthofcommonsense.com/2025/11/ben-...