Why Electric and Gas Bills Are Going Up in Ramsey, NJ    And why the real reasons are less political and more structural.  If you live in Ramsey, you don’t need a lecture to know that something’s changed. Electric and gas bills are higher. Not a little. And not just when the weather swings.  This...Read More

Why Electric and Gas Bills Are Going Up   And why the real reasons are less dramatic than the headlines suggests. If your electric or gas bill feels higher than it used to, you’re not imagining it. For many households, the increase doesn’t align neatly with weather, usage, or lifestyle changes.  That’s because a large...Read More

The Market Will Fall. It’s Still Not Taking You Back to 1995       Fear never changes   The market is going to fall again. That isn’t a prediction. It’s a fact. Markets rise, markets fall, and every time they fall, it feels like this one is different. This one feels bigger. Scarier. More...Read More

The Tax Trap That Locks You Out of Your Own Equity   If you work for a company and part of your pay is in equity, you probably want the same thing your leadership team wants. You want the valuation to rise. You want the headline. You want the number to get bigger. But if...Read More

My Vacation to The Dominican Republic Made Me Think About Luck   I’m writing this from the Dominican Republic.   I’m here with Christina and the kids. My brother, his wife, and their three kids. My parents, too. The whole crew. We’re eating good food, watching the kids run around like maniacs, and spending time...Read More

OBBA Tax Changes Everyone Needs To Know About   When a large tax bill passes, most people only see the headlines. The details rarely enter everyday conversations, even though those details influence what families actually pay. I put this fact sheet together to help explain the new rules in the One Big Beautiful Bill more clearly....Read More

How the Next Generation Sees Money   My kids get money all the time. Birthdays. Holidays. Chores. Grandparents who love slipping cash into cards. You would think they would be thrilled. Instead they treat cash like an inconvenience. They prefer their money to be in their bank accounts or on Apple Cash. They don’t carry...Read More

A Season of Fatigue Without the Panic   Every year around the holidays, people tell me they are exhausted. This year feels even heavier. Families are dealing with stubborn prices, mixed economic signals, and coming out of the longest government shutdown on record. You can sense it in everyday conversations. You can see it in...Read More

The Jenga Tower Economy   The economy right now reminds me of a long game of Jenga. The tower grows taller, and everyone cheers. Then you look closely and notice the bottom shifting just a little each time. That is where we are in 2025.   A Tower That Looks Strong from Far Away  ...Read More

How Investment Advisors Are Structured   Most people don’t think about how financial advisors are actually set up. They shouldn’t need to. But the structure behind an advisor tells you a lot about how they’re paid, who they answer to, and what their incentives look like. It starts with understanding the two big regulatory worlds...Read More