Millennial Financial Intelligence
Right now, everything looks expensive. Stocks at record highs. Gold at record highs. Bitcoin off its peak but still historically elevated. The most rational-sounding response is: I’ll wait for a better entry point. It feels disciplined. It is almost certainly the wrong move. 7 of the 10 best trading days in the last 20 years …
Read moreWhy trying to time the market almost always makes things worse
The gold rally gets explained the same way every time. Inflation fears. Nervous investors. Geopolitical tension. All true — but all missing the bigger story. Governments have been buying gold at a pace not seen since the 1950s. More than 40 central banks added to their reserves in 2025. China has been buying consistently for …
In a normal market, gold and stocks move in opposite directions. Gold goes up when people are scared. Stocks go up when people are confident. They hedge each other. So when both hit record highs at the same time — alongside Bitcoin crossing $125,000 in late 2025 — the question stops being what to buy …
Read moreThe market is hitting record highs. Warren Buffett calls it a casino. Who’s right?
Your bank balance looks the same. The news says inflation is easing. So why does everything keep feeling more expensive? The answer is something called the Cantillon Effect — named after 18th-century economist Richard Cantillon. When central banks create new money through quantitative easing, bailouts, or stimulus programs, that money doesn’t reach everyone at once. …
Read moreWhy your savings are quietly disappearing — and nobody is talking about it
In a simple definition, money is the way we get the things we need and desire. Money helps us to trade goods by acting as a medium of exchange. Before money existed, if you had apples but needed fish, you must find someone who not only had fish, but also had the desire for apples. …