Trump signed the One Big Beautiful Bill Act on July 4th, 2025. Part of that bill? No tax on overtime for certain workers through 2028. But here’s what nobody’s telling you straight: it’s not what you probably think it is. What Actually Passed The law lets you deduct up to $12,500 in overtime pay from […]
From SIPs to 401(k)s: How the World Invests Without Overthinking It
So here’s a weird coincidence. My friend Sarah in Chicago keeps talking about her “automatic investment plan”. My cousin Divya in Mumbai won’t shut up about her SIP. I sat there listening to both of them for months before realising, ‘Wait, they’re doing the exact same thing.’ What is a Systematic Investment Plan (SIP), and […]
How Inflation Trends Are Shaping Mortgage Rates in 2025
My brother rang me last week. “Should I buy now or wait?” Everyone says rates are plummeting, but they’re not actually plummeting.” He has saved $80,000, been house hunting for six months, and keeps getting cold feet. Can’t blame him. Mortgage rates in 2025 have been all over the place. The average 30-year fixed rate […]
Direct Listing vs IPO: Why Companies Are Skipping the Bank Fees
My buddy Jake works in finance. When Spotify went public in 2018 without underwriters, he called me up, freaking out. “They can’t do that! That’s not how this works!” Except it did work. Spotify just picked a different path than everyone else, and suddenly a bunch of companies started asking why they’re paying investment banks […]
10 Investing Books That Finally Made Investing Click for Me
Look, I get it. Reading about money sounds about as fun as watching paint dry. But stick with me here, because these books are different. They won’t bore you to tears with complicated formulas or make you feel stupid for not knowing what a P/E ratio is. I picked up my first investing book about […]
How to Buy an IPO: The Real Deal Nobody’s Telling You
Tom rang me up last month, practically screaming into the phone. “Bro, I’m gonna get rich off the Stripe IPO,” he says. “Easy money, man.” Had to tell him straight up, You’re dreaming, buddy. It doesn’t work like that. Nobody wants to admit this, but most of us regular people can’t actually buy IPO shares […]
The Nasdaq Thing Everyone Talks About But Nobody Really Explains
My brother called me last month. He’d just put some money into what he kept calling “Nasdaq stocks” and wanted to brag about his 15% returns. Good for him, I guess. But when I asked him to actually explain what is Nasdaq, he fumbled around for like two minutes before admitting he wasn’t totally sure […]
What is an IPO in the Stock Market?
My coworker Brian wouldn’t shut up about Circle stock back in June. He’d bought shares the day they went public and watched his investment quadruple in a few months. I asked him what is an IPO in the stock market is, and he looked at me like I’d just asked what the internet was. Turns […]
What is Cost of Debt Formula
Jake phoned me six months after starting his roofing business. “This loan’s killing me, man.” “What’d you expect? You knew it was 6%.” “Yes, but it feels 10 times as expensive.” That’s the funny thing… Jake never even realized what that debt was costing him. He never did the math, he said; he simply glanced […]
How to Calculate Dividend Payout Ratio?
So there I was, staring at a $47.82 check from some utility stock my father had talked me into. “Great dividend payer,” he said. “Cool,” I thought. But what does that even mean? I called him up. “Dad, I got forty-seven bucks. Is that good?” “Well, what’s their payout ratio?” “Their what now?” That conversation […]
