Newsletter
Read Time: 7 minutes
Welcome to the 45th edition of the Tech Financial Planning (TFP) Newsletter.
I’m not sure if it’s coincidence or timing but lately I’ve come across some great financial wisdom that I wanted to share with you.
Advice on saving, managing uncertainty, wealth, and investing in down markets
In this newsletter I’ll share 4 excerpts from blogs / books I’ve read lately with some thoughts & observations.
Reading Time: 4.5 minutes
Welcome to the 32nd edition of the Tech Financial Planning (TFP) newsletter.
Is buying a house a good financial decision?
People often say buying a house was the best financial decision they’ve ever made.
Or people say that they need to buy a house so they “stop throwing away money in rent.”
In this newsletter we will dive into the true math on home ownership, the many “hidden costs,” and what the different outcomes are.
Read Time: 3 minutes
Welcome to the 30th edition of the Tech Financial Planning (TFP) newsletter.
Whenever we hear about wealth, we mostly think about the uber wealthy and the overnight successes.
If you're looking for a magic formula for getting rich quick, you're in the wrong place.
But if you're ready to learn the secrets of building wealth slowly and steadily, read on.
Read Time: 5 minutes
Welcome to the 27th edition of the Tech Financial Planning (TFP) newsletter.
If you have a big bunch of stock in one company, one of the hardest decisions is to deciding when to sell.
For tech professionals with larger, concentrated positions, covered calls can be a great strategy to generate some extra cash, while limiting some downside.
In this newsletter, we’ll break down what covered calls are, why you would use them, go through a rough framework, and run through an example.
Read Time: 5 minutes
Welcome to the 26th edition of the Tech Financial Planning (TFP) newsletter
A prospect refused to sell his company stock because all the analysts said the stock would go up another 25% in the next 12 months.
Enter 2022 - the value of the stock dropped over 50% and cost them over $500,000
In this newsletter, we’ll break down why I believe price targets are useless at best and how they can lead to poor investing decisions
Read time: 4 minutes
“To be a successful investor, you’ve got to be an optimist. You have to believe in the innovations that come from the human mind and the human spirit.”
Charles Schwab
As we come off a rough 2022 for markets, it’s easy to be pessimistic.
The headlines are almost all bad news
Experts predict a recession
Companies are laying people off
Inflation is still high
Home prices are dropping
And so forth.
I’d like to use this newsletter as a measured case for optimism.
First and foremost, I believe we live in the greatest time in human history.
“If you have no idea how much is enough, you’ll never be satisfied with what you have.”
-Ben Carlson
I met with an employee of a publicly traded tech company earlier this year.
Over the past few years, the value of their company stock soared, and at the beginning of this year it was worth over $6 million.
But their company stock has been crushed this year and they never sold.
The value of those shares today is less than $1 million.
