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Career & Compensation · Long Read The RSU Diversification Strategy I Actually Use Sell 100 percent on vest day and put the proceeds into a diversified dividend growth portfolio. Here's why that beats every other RSU diversification strategy I've seen. ESSAY · JULY 2026 · 6 MIN READ Every four years I watch a friend in tech tell me they've decided to hold their RSUs this time because the stock looks strong. About half of them come back later regretting it. That's not a story about picking bad companies. It's what a concentrated position in a single stock does to a portfolio, and it's the exact outcome any real RSU diversification strategy is designed to prevent. Your employer already pays your salary, your bonus, your health insurance, and if you leave, your future paychecks stop. Adding a large equity position in the same company means the same event that ends your income also craters your net worth. That...

Refresh notice. This is an updated version of the May 2018 Monday Myth post, extended with eight additional years of market data through mid-2026. The original analysis and comments remain part of the same conversation. Investing Analysis · Refresh The Monday Myth: Best Day to Buy Index Funds (Updated) Eight more years of data. A pandemic, a bear market, an AI rally. Here's whether the "best day to buy" question got any more useful in 2026. REFRESH · UPDATED JULY 2026 · 6 MIN READ "Appreciate the analysis. I'm getting my MBA at the moment and was planning to propose this strategy and do the related regression analysis. You saved me the time of going down this rabbit hole, so now I need to pivot and see if I can find a better strategy." John A, comment on the original post, December 2020 That comment stuck with me. Not because it was flattering, though it was, but because the reader saying...

The unstructured hours are the ones that build the person underneath the resume. Essay · Tech & Parenting The Professionalization of Childhood Is Backfiring The kids being optimized the hardest are the ones I keep passing over in interviews. Here's what the success accelerator model actually breaks. ESSAY · JULY 2026 · 6 MIN READ Grand View Research puts the global private tutoring market at $154.8 billion by 2030. Global Industry Analysts puts the same market at $295.1 billion. Either way, the professionalization of childhood is now one of the largest consumer categories on the planet, and it's growing faster than most of tech itself. I run engineering teams. I've hired hundreds of people over 20 years. The candidates I turn down most often at the top of the pile aren't the ones with gaps in their resumes. They're the ones whose resumes look like they were built by a consultant, because usually they we...

Dividend Increases · Weekly Dividend Increases This Week (July 13-17, 2026) Three Dividend Achievers raised this week. One of them, a 17-year streak from Cummins with a 10 percent hike, is the story worth sitting with. WEEKLY SERIES · JULY 17, 2026 · 5 MIN READ Mid-July is usually a quiet stretch for dividend increases. Most Achievers and Aristocrats run annual raise cycles in Q1 or Q4, so July tends to deliver a handful of raises rather than a flood. This week fits that pattern, but it also delivered one raise big enough to actually think about. Cummins bumped its quarterly dividend 10 percent to $2.20 per share, extending a 17-year streak. That's a real signal from a cyclical industrial that just finished a year with $2.8 billion in earnings on $33.7 billion in sales. NNN REIT quietly hit its 37th consecutive annual increase, which puts it in a club of just three publicly traded REITs at that milestone. And Home...

Investing · SPCX Investing in SPCX: Is SpaceX Stock Worth the Price? Investing in SPCX means buying rockets, Starlink, and an AI bet in one stock. Here's what the price actually assumes before you buy in. ANALYSIS · UPDATED JULY 2026 · 6 MIN READ On June 12, 2026, SpaceX rang the opening bell on the Nasdaq under the ticker SPCX. Shares priced at $135, valuing the company near $1.77 trillion, the largest IPO in history by a wide margin. A month later, the stock had round tripped from an intraday high of $225.64 back down below where it started. That whiplash is the real backdrop for anyone researching investing in SPCX right now. This isn't a sleepy dividend stock you buy and forget about. It's a rocket company, a satellite internet provider, and an AI bet, all trading under one ticker, and Wall Street clearly hasn't agreed on what that combination is worth.

Back in 2017, I wrote an article titled "ETF vs. Mutual Fund Investment Strategy" that explored the fundamental trade-offs for the passive investor. At the time, the choice was defined by clear barriers: high minimums for "Admiral" shares, the lack of fractional ETF units, and the inability to automate ETF trades. Fast forward nine years to Q1 2026, and the landscape has undergone a complete transformation. The barriers have largely evaporated, leaving us with a new question: Does the distinction even matter anymore?