The Decision Dividend

The headline was simple: happiness reaches a point of diminishing returns around $75,000 of income. The research that followed revealed a more complicated reality in which additional income can still improve well-being...

Retirement is a natural time to rethink where you live. But moving states is not just a tax decision. In Episode 38 of The Decision Dividend, Pat and Marcus discuss how to evaluate a retirement move by starting with...

A rental property can have been a great investment and still no longer be a great investment to keep. Deciding what to do next requires weighing not just the expected return, but the broader set of tax-efficient exit...

Can someone be a fiduciary while also earning commissions for selling financial products? The answer is more complicated than many investors realize. In Episode 36 of The Decision Dividend, Pat Collins and Marcus...

<p>Can someone be a fiduciary while also earning commissions for selling financial products? The answer is more complicated than many investors realize.</p> <p>In Episode 36 of The Decision Dividend, Pat Collins and...

<p>Using SpaceX to understand IPO access, pricing, and expected returns.</p> <p>SpaceX may be a high-profile company, and it is rare for a private company to go public at a valuation that would place it among the...

<p>Practical frameworks for separating process from outcome. A good outcome can make a bad decision look smart. A bad outcome can make a good decision look foolish.</p> <p>In Episode 34 of The Decision Dividend, we look...

<p>A research-informed order of operations for cash reserves, debt, retirement accounts, brokerage accounts, 529s, and mortgage prepayment.</p> <p>The hard part of having extra savings is rarely finding a good option...

<p>Too often, families spend more time planning how to build wealth than how to pass it on. In Episode 32, we’re joined by Ron Diamond* to discuss family governance, inheritance, and how to prepare the next generation...

<p>We revisit a question we expect to ask every 1-2 years. Is this time different? The catalyst this time is energy and trade shocks tied to conflict. You’ll learn:</p> How common market drops like this are and how...

<p>Many investors assume that if they need cash, even for short-term expenses, they have one option: sell their investments.<br> <br> In Episode 30 of Return on Reason, we discuss a less widely understood option...

<p>Cash feels safe. Over time, excess cash quietly works against you through lower returns, inflation, and taxes.</p> <p>In Episode 29 of Return on Reason, we dive into how to optimize the return on your cash by...

<p>AI, banking innovation, estate planning tools. Why better tools don’t automatically mean better decisions.</p> <p>Innovation in personal finance is no longer constrained to investments. Access to new tools is...

<p>After-tax outcomes. Concentrated wealth. Private market access. The math matters more than the marketing. Innovation is inevitable. Access to new investment tools continues to expand. The question is whether the...

<p>Whether you know it or not, every investor's portfolio takes factor bets. In Episode 26 of Greenstream, we break down what factor investing actually is and how it is used as a framework for understanding risk...