By BowTiedF'er on Substack · 2K+ subscribers · 0 free and 12 paid among the latest 12.
Financial Advice with some rants on Fitness, Family, and general Fixing of Bad Advice You will learn what to do to get in the top 10% of health and wealth
Welcome Back. Retirement is important, no matter how you slice it. The standard formula used to be: 1) Get a job out of HS at a local factory, 2) Work there 40 years, 3) Retire with a defined benefit pension + Social Security…
Welcome back & Happy Halloween to those who celebrate (Apparently in 2026 you need that qualifier on Halloween now too or something). The F’er family does indeed go out for Halloween and despite my continued prodding the lil…
Welcome back. The end of the year is coming in hot. You know how it goes, Halloween → Thanksgiving → Christmas → New Years. And we also have the added benefit of nearly every member in the extended family having a Q4 birthday.…
Welcome back. Last week we went through all the silly arguments being made for why paying off a historically cheap mortgage is ‘better’ than keeping the mortgage plus buying significantly higher yielding US Treasury. Here is the…
Thanks to BowTiedBull, my twitter feed is about 50% tweets about mortgage payoff - the other 50% is a mix of social security arguing and the standard nonsense that you have no idea why its popping up. If you have been a reader…
“Two is one, and one is none” This is the common saying used by faux Boomer prep-ers when they justify all the stuff they own. If you have ever been doing some handy work and realize you are missing some niche and expensive tool…
The Bell Curve. A lot of you may only be familiar with the bell curve from the memes. However, it is a concept that springs up again and again in the actual world. There are millions of these memes out there for every topic…
Welcome back. This week we are combining a reader request for some thoughts about crypto with a vaguely crypto adjacent topic of hacks/scams and accounts being drained. The example of the hack in this post is a new one that I…
Welcome Back Dear Reader. Do you consider yourself smart? Do you feel like you work hard? Yet, do you still feel like you are being left behind? Would you spend $204 for a $1 bill? You are not alone. In fact, a lot of smart and…
Welcome back. Let’s start this week’s post with some good news. The Michael Dell philanthropy money for the Trump Accounts hit the lil F’ers accounts a few days ago. As discussed in the post about Trump accounts, there was some…
Welcome back. Another week in the rearview and we are rolling into the last month of Q3. Every quarter there is a handful of topics that would be a stretch to make their own post, but fit perfectly as smaller, condensed sections.…
Welcome Back. This week’s post is brought to you by one of the misguided budgetpoor accounts on twitter and a rehash (and probably scheduled to go off once every month) tweet: There are just so many directions you can go on…