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Nancy Byerly

29
Aug
Dark navy graphic showing a $100 bill tightened in a noose with glowing text reading “Bonds Basics.”

Bonds: The IOUs That Rule the Market

Bonds are the market’s referee — steady income, diversification, and the signal for risk. They’re not sexy, but they set the rules. Ignore them at your peril.
3 min read
29
Aug
$20 bill with glowing orange checkmark, red X, and bold text “Mutual Fund Checklist” on dark navy background.

Practical Steps: Understanding Mutual Funds

Mutual funds aren’t black boxes — they’re tools. The key is knowing when they fit and when to skip them. From fees to benchmarks to tax efficiency, here’s the practical checklist that keeps you out of the trap.
1 min read
29
Aug
Illustration of a $20 bill caught in a rusty mousetrap, with glowing red-orange text reading “Mutual Funds Trap” on a dark background.

Mutual Funds: Why They Keep Failing Investors

Mutual funds promise diversification and simplicity, but the reality is far less friendly. High fees, weak performance, surprise taxes, and limited flexibility make them a costly trap for many investors. Here’s why they keep failing—and smarter ways to invest.
2 min read
29
Aug
How ETFs Hide Concentration Risk — And Why It Matters

How ETFs Hide Concentration Risk — And Why It Matters

ETFs promise easy diversification—but overlapping holdings can leave you heavily exposed to the same few mega-caps. Here’s how concentration risk sneaks in, and what you can do to fix it.
3 min read
27
Aug
Dark navy gradient thumbnail with Warren Buffett on the right in a suit and red tie, bold white text on the left reading ‘BUFFETT MYTH,’ and a thin red line accent beneath the title.

The Buffett Myth: Why His Playbook Won’t Make You Rich

Buffett's public tips won't replicate his success. His real advantages—massive float, exclusive access, institutional scale—aren't available to retail investors.
6 min read
27
Aug
Apple’s Growth Era Is Over — But Its Cash Era Is Just Beginning

Apple’s Growth Era Is Over — But Its Cash Era Is Just Beginning

Apple isn’t about hyper-growth anymore. It’s a cash-rich, dividend growth, and defensive quality stock with upside in services and innovation.
3 min read
26
Aug
Dark navy poster with distressed white text reading “MUTUAL FUNDS: DEAD WEIGHT?” and a small tagline “Diversification or Drag?”

Mutual Funds Today: Diversification or Dead Weight?

Mutual funds promise diversification and professional management, but most lag the market. Here’s where they still fit, where they fail, and why ETFs may have the edge.
3 min read
26
Aug
Dark navy poster with distressed white text reading “DIVIDENDS = PAYCHECK” and a small tagline at the bottom.

How Do Stock Dividends Work? Your Paycheck for Owning Stocks

Dividends aren’t free money. They’re the market’s paycheck for owning real businesses. Here’s how they work, why they matter, and how to use them to actually build wealth.
3 min read
26
Aug
Dark navy poster with “NO ACCOUNT. NO GAME.” in white, red broken padlock, and small tagline below

What Is a Brokerage Account? Your Ticket to the Money Party

Without a brokerage account, you’re not an investor — you’re a spectator. Here’s why it matters, how it works, and how to use it to actually build wealth.
3 min read
25
Aug
Digital illustration of an hourglass with dollar bills flowing into a pile, symbolizing passive investing, compounding, and long-term wealth building on a dark navy background

What is Passive Investing?

Passive investing is boring on purpose — and that’s why it works. Here’s how it builds wealth, why it beats most pros, and why you might need it.
3 min read
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