Human Investing

06/23/2026

Should you pay off debt or invest? Turns out, you don't have to pick. In our latest piece, we break down the two most common (and costly) debt mistakes, and how to sequence your dollars so debt paydown and investing work together instead of against each other. Read the full article here:

Wanting debt paid off as soon as possible is a very human instinct. A client recently told me “We’ve been putting extra money towards paying off our mortgage. It just feels good to see the balance go down.” As another client once succinctly shared, “Loans make me sad.” But in personal fina...

06/22/2026

Questioning if a stock is going to hold up as a worth-while, long-term investment, is normal. Jumping into a newly released IPO because everyone else is, seems risky. Let's talk through SpaceX going public and the history behind other individual stocks.

View our latest guidance through the Human Investing Journal.
https://www.humaninvesting.com/journal

Disclaimer: Content is for educational purposes only, not financial advice. All investing/financial advice involves risk, including the loss of principal. Human Investing is an SEC-registered investment advisory firm. Registration does not imply a specific level of skill or training. Consult a professional before acting.

05/20/2026

We recently ran into a difficult situation with a client: when a spouse passed away, the surviving partner had no access to the online accounts that paid the bills. The logins were known only to the person they'd lost.

Most of us have wills for our homes, our savings, and our investments. But almost none of us have planned for the part of our lives that's now entirely online.

Amanda Earlywine breaks down how digital estate planning works, so your loved ones aren't locked out when they're already dealing with enough.

From banking and investing to photos, emails, and social media, most of our personal and financial lives now live "in the cloud." But while many people have wills and estate plans, most haven't considered what happens to their digital life when they're gone. That very common gap can leave

03/06/2026

Why do oil prices matter so much? Energy plays a central role in the global economy because oil sits near the beginning of the production chain for many industries. It powers transportation networks, supports manufacturing, and is embedded in the production of everyday goods ranging from food to plastics and chemicals. When oil prices rise quickly, those higher costs move through supply chains and eventually reach businesses and households in the form of higher prices.

History shows that sharp oil spikes have often coincided with periods of economic stress, though they are rarely the sole cause.

To learn more about its impact, read the full article at the link below.⁠

Recent developments in the Middle East have once again drawn attention to oil markets. When tensions rise in regions responsible for a meaningful share of global energy production, investors naturally begin to ask how higher oil prices might influence the broader economy and financial markets.

02/24/2026

One of the more common questions we hear from both clients and prospective clients is, “How can my portfolio better reflect what I care about?” Enter ESG investing: a way to invest while considering Environmental, Social, and Governance (ESG) factors. We break down what ESG is, how it works (including common misconceptions), and whether it might make sense for you. Read the full article below:

Investing isn’t just about numbers. For many, it’s about making choices that reflect personal values while still aiming for long-term investment growth. One of the more common questions we hear from both clients and prospective clients is, “How can my portfolio better reflect what I care about...

12/16/2025

Is the AI boom just another dot-com bubble? Not quite.
Here’s why today’s AI surge is fundamentally different:
• Real revenues and profits, not just promise
• Enterprise adoption at scale, not experiments
• Productivity gains across industries, not single-use tech
Understanding these differences matters for long-term investors.

Read our full article below:

There is a growing chorus calling today’s AI surge the next dot-com bubble. Even well-known voices like Michael Burry, who predicted the 2008 housing crisis, have drawn the comparison. It sounds convincing at first, but the comparison breaks down quickly. And for long-term investors, understanding...

12/10/2025

Holding cash might feel safe but over time, inflation quietly chips away at its value, and that “safety” could end up costing you. The smartest move? Keep enough cash for short-term needs and let the rest work for you: a thoughtful investment plan helps protect your purchasing power and grow real wealth. Don’t let false “security” steal your financial future.

Read our full article below.

Cash has its place in any financial plan. However, holding too much cash or cash-like investments like a CD or a Money Market account can be one of the most overlooked risks when it comes to long-term planning.

12/03/2025

Most financial stress doesn’t come from unexpected events; it comes from not being prepared for them. A solid plan can turn uncertainty into confidence and choices into progress.

12/03/2025

Your 401(k) deserves more than autopilot. From maximizing contributions to reviewing investments and fees, small adjustments today can create big impact later. If you’re not checking in regularly, now’s the time. Grab your copy of Becoming a 401(k) Millionaire at our link in bio!
Your future self will thank you.

10/29/2025

If you’re 50 or older and making catch-up contributions to your 401(k), there’s a big change on the horizon.

Starting in 2026, higher earners will need to make those extra contributions as Roth (after-tax) dollars. That means no upfront tax break, but tax-free growth later.

Employers should also note that plans will need a Roth option in place for employees and payroll systems ready before the rule kicks in.

We break down what this means and how to prepare in our latest blog:

In mid-September, the IRS and Treasury finalized how a piece of the SECURE 2.0 Act will work. The short version: starting in 2026, certain higher-earning workers will only be able to make their catch-up contributions as Roth (after-tax) dollars.