Category: Saving Strategies

The Comfort of Cash: What Liquidity Does for Your Mind and Money

10/7/2025

I noticed this sign on my way to the gym the other day (I changed the phone number for privacy). I’ve seen plenty of these signs before, but this was the first time I really stopped to think about the business model behind them.

These signs target a very specific kind of homeowner: someone under pressure. It might be foreclosure risk, divorce, job loss, relocation, or major repairs they cannot afford. The common thread is distress and a willingness to accept a cash offer at a steep discount in exchange for immediate relief.

This is a textbook example of the liquidity gap: the difference between what you think your asset is worth and what you can realistically sell it for when you need cash quickly. Selling a house is rarely fast, smooth, or cheap; under pressure, people often trade price for speed.

What does this tell us?

There is an entire industry built on profiting from the moments when people are in financial distress and lack the liquidity buffer to overcome their struggles. Need some evidence? Just ask the managers of Yale’s endowment fund.

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When It Comes to Money, It Pays to Keep Things Simple

8/26/2025

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There’s a scene in The Hurt Locker where Sgt. William James, newly home from deployment, walks around a grocery store with his wife. Before checking out, she asks him to grab some cereal. At the aisle, he stops and sees rows of brightly colored boxes stretch in both directions. He scans them, momentarily paralyzed by the sheer number of options.

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Forget Willpower: The Smartest Wealth Strategy Is Forced Saving

8/19/2025

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A common answer to the question of the best way to build wealth is owning your own business. It’s a great answer, because when it works, it supercharges your income, gives you equity in something scalable, and offers control over your financial destiny. In fact, the richest Americans ($100M+) typically hold greater than 50% of their wealth in business equity.¹

But here’s an interesting counterargument: The most effective wealth-building tools for everyday people are not always the most lucrative; they are the ones that consistently work.

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The Comfort of Cash: What Liquidity Does for Your Mind and Money

When It Comes to Money, It Pays to Keep Things Simple

Forget Willpower: The Smartest Wealth Strategy Is Forced Saving

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