Yield Economic Strategies

04/06/2026

When you're 5-10 years from retirement, you can't afford a blurry picture of your future.

Think of retirement planning like looking through a camera lens:

Zoom lens: your retirement income-will it last?

Mid-range: taxes-how much do you actually keep?

Wide angle: your whole life-cash flow, debt, insurance, legacy.

Most people only check their account balance and hope it's "enough."

As your personal CFO, I help you ZOOM in on the numbers that matter so you can retire with more confidence.

Comment "FOCUS" if you'd like my 5-question retirement checkup.

03/16/2026

What is one money habit you are proud of?

03/10/2026

For thousands of years, gold and silver have served as trusted forms of money...

For thousands of years, gold and silver have served as trusted forms of money, valued for their scarcity, durability, and universal acceptance. By the time the United States was founded, precious metals already lay at the heart of global commerce. America’s monetary story began with silver coins i...

03/10/2026

Artificial intelligence has quickly become a popular source of financial guidance...

Artificial intelligence has quickly become a popular source of financial guidance, with tools like ChatGPT, Microsoft Copilot, and Google Gemini increasingly used for budgeting, investing, tax questions, and retirement planning, especially among younger generations. The appeal is understandable: AI....

03/10/2026

There's been a shift in the workforce...

If your team is adding a new employee this year, don’t be surprised if your newest coworker remembers the screech of dial-up internet or the thrill of an AOL “You’ve got mail” alert. The average age of new hires in 2025 climbed to around 42, up from 40½ in 2022 and 40 in 2016, according to ...

03/10/2026

When people talk about taxes, phrases like “I’m in the 22% bracket” or “I pay about 13% in taxes” often get used interchangeably. But those statements describe two very different concepts...

When people talk about taxes, phrases like “I’m in the 22% bracket” or “I pay about 13% in taxes” often get used interchangeably. But those statements describe two very different concepts: marginal tax rate and effective tax rate. Understanding the difference between them is essential for ...

12/08/2025

Every year Christmas rolls around brining carols, presents, joy…and stress. Deep down, inside each of us, lies the potential for a big green hairy Grinch to emerge

Every year Christmas rolls around brining carols, presents, joy…and stress. Deep down, inside each of us, lies the potential for a big green hairy Grinch to emerge. The Christmas season is a time for family and celebration, but for many, it can also be a time of financial frenzy and stress that fe...

12/03/2025

In October 2025, the United States entered the longest federal government shutdown in its history.

In October 2025, the United States entered the longest federal government shutdown in its history after Congress failed to pass full-year appropriations for fiscal year 2026. The lapse began on October 1 and dragged on for 42 days, 22 hours, and 25 minutes before lawmakers finally reached a funding....

11/24/2025

The guided and I on an adventurous hike up the Solheimajokull Glacier. Our guide was from Chile and new to the hike, but she was terrific. We had a ton of fun. When we started out it was cloudy and a little rainy, as we got on the glacier things started to clear up, it turned out to be a beautiful warm day.

Being out on a little adventure often you meet other people who are on an adventure themselves. Its one of the fun parts of any trip. We ran into a couple who were just married and wanted to get some additional wedding photos and they chose this glacier as their back drop. I snuck a couple photos myself, cute couple and a stunning backdrop!

Something interesting to me was the black sand mixed in the glacier, which I learned is volcanic ash. When I was in grade school we took a field trip to the J. Paul Getty Museum in Pacific Palisades. It was a full day of real art education! The museum was designed after an ancient Roman villa that was discovered in Pompeii, Italy. I remember several years ago a volcano erupting in Iceland that shut down air traffic for a few weeks as this cloud of ash dissipated around the world. When I heard the news about this massive cloud of ash, in my naiveté, I thought of ash like ash from a camp fire, not earth or sand that was super heated and so small that it would float in the atmosphere for weeks. This was fascinating to me! It added a new perspective to the eruption of Mount Vesuvius in 79 AD, resulting in Pompeii being buried in mountains of volcanic ash.

10/14/2025

When it comes to personal finance, one of the most common questions people ask is whether they should focus on paying off debt first or start investing right away. Your choice depends on several factors.

When it comes to personal finance, one of the most common questions people ask is whether they should focus on paying off debt first or start investing right away. It can be a tricky decision, and the right answer isn’t the same for everyone. Your choice depends on several factors, including inter...