The Art of Investing

As you grow into adulthood, you’ll be pulled in many directions—by your ambitions, friends, society, and the markets. Money won’t be the most important thing in your life, but how you handle it will shape your freedom, your opportunities, and even your happiness. I’ve spent my life allocating assets for families, institutions, and myself. What follows is a letter—really, a roadmap—of what I’ve learned. Consider it my attempt to pass you a compass for your financial journey. 1

Unlike public companies, private businesses don’t file 10-Ks, 10-Qs, or investor decks —so a solid financial analysis requires more digging, forensic thinking, and structured modeling. Whether you’re an investor, acquirer, lender, or internal operator, this guide walks through a professional-grade, step-by-step framework  for analyzing a privately held business. 1. Start With Core Financial Statements For a meaningful analysis, collect at least three full fiscal years  of: In

AI won’t skip the Mountain State. Over the next one to five years, West Virginia will feel AI’s impact through data-center buildouts , workforce shifts , state and local adoption , education pivots , and broadband policy choices . Here’s a practical, investor- and operator-focused outlook with concrete moves you can make now. 1) Data centers and energy: the new industrial policy What’s happening: State leaders are actively recruiting data centers—an AI infrastructure segment

If you’ve ever driven past a vacant house in West Virginia and wondered, “Could I buy that for a fraction of retail?”, you’re in the right place. WV’s delinquent-tax system creates a pipeline of tax lien  opportunities that can lead to a deed— if  you follow the statute to the letter. Below is a practical, investor-oriented guide built around the current rules, timelines, and gotchas. The 10,000-Foot View WV is a tax-lien state.  You don’t buy the property at first—you buy th

Section 1: 2025 Tax Brackets—Clear & Concrete Starting January 1, 2025 , West Virginia’s personal income tax is applied as follows:...

AI is changing the world—but not all jobs or businesses are at equal risk. If you’re ready to break free from the 9-to-5 grind, this...

TL;DR Leveraged single-stock ETFs (2x, 3x, etc.) amplify day-to-day moves in Alphabet (GOOGL/GOOG) using derivatives and leverage. They...

Investing is as much about knowing when to sell  as it is about knowing when to buy. But deciding when to let go of an asset—be it...

Bitcoin ETF's: Leverage your conviction In the world of investing, finding the right balance between growth and stability is often the...

Debt Free in a Fractional Banking World Dave Ramsey has built a loyal following through his clear, values-driven approach to personal...