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Financial Clarity Blog

Helping people make smart financial decisions.  

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Save More Tomorrow

People have the best intentions of improving their financial habits, but when it comes time to actually make a change, it becomes difficult to pull the trigger. Here is one idea that everyone can implement with ease: Save More Tomorrow.

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Revisiting the Lost Decade of Returns

As we approach the end of 2019, we are nearing the ten-year anniversary of what was known as “The Lost Decade of US Stocks.” That was the period of time from 2000-2009 when the S&P 500 produced to total return (including reinvested dividends) of negative 9.1%.

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When Dumb Financial Moves are OK

The robotic financial advisor in me wants everybody to always make optimal financial choices. On the other hand, the human in me understands that we are emotional creatures and it isn’t realistic to always make the optimal financial decision. Sometimes dumb financial moves are OK.

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