Category: Personal Finance

Max’s $100,000 Opportunity Fund

I suppose I am becoming more conservative in my old age. I hear that happens. Maybe all this talk about our liquidity ratio has gone to my head. Or maybe this is just a victory lap; a cheap symbolic token for me to pat myself on the back and say, “Nice job Max, you finally made it.”  Either way, after being highly invested in stocks/equities through most of the longest bull market in history, I...

Our Asset Liquidity Ratio

There are benefits to having a hobby in personal finance. In a world where money moves products and services, understanding how it works is a powerful thing. When you enjoy learning about it, that makes things even easier. From complex tax law to convoluted retirement accounts, it is worth spending some time figuring all this stuff out. But there are also some basic things we should keep an eye on. One of the metrics that...

The Name Is Bond, Series I Bond

Series I savings bonds have been around longer than the iPhone. They are not as flashy, but I still think they have a nice look to them. They last longer too. If you like paper, they are the only government savings bond still available in that ‘old school’ paper format. Remember the college savings bonds you might have gotten as a kid? I bonds are a lot like those. The only way you can get...

Max Out of Pocket’s Q1 2020 Spending

What can I say? I guess the quarantine got me curious. The current state of the markets and ongoing pandemic motivated me to check in on our spending patterns for the first three months of 2020. In finance, we call this ‘quarter one’ (Q1 2020). I was thinking this would be more of a ‘yearly’ update on the blog. I suppose it doesn’t hurt to check in more often if I feel like it. To...

How Much Cash Should I Keep In My Pocket?

Cash. When things get tough, cash is king. If the total stock market falls 30%, cash holds its value. When bonds fall 10%, cash holds its value. Call it a security blanket. But it can be an expensive blanket. The expense comes in the form of inflation. The problem is, as the cost of goods and services rise, cash stays flat. It loses its purchasing power over time. A $10,000 “stack of high society” tucked...