Latest analysis
21 articles published — newest first.
A 3.0% Saving Rate Means Breathing Room, Not a Rebuilt Cushion
U.S. households saved more in July, but the math says the improvement is still thin: higher income, not a spending collapse, did most of the work.
Stocks · BlackMoney Desk
Nvidia’s AI buildout now equals 2.90 quarters of revenue
Nvidia’s earnings beat was real, but the cleaner equity question is capacity risk: $279 billion / $96.221 billion = 2.90 quarters of latest revenue.
Personal Finance · BlackMoney Desk
The July savings rebound is real, but household margin is still thin
U.S. households saved more in July, but the arithmetic says the emergency-fund repair is still modest, not a balance-sheet turn.
Personal Finance · David Okonkwo
Compound interest: the calculation almost nobody finishes
Everyone repeats that compounding is the eighth wonder of the world. Almost nobody opens the spreadsheet and finds where the money is actually made — or where…
Stocks · Ellen Marsh
How to analyze a stock from scratch, in seven steps and no shortcuts
A complete route from "this company looks good" to an actual number, with the calculations spelled out and the places the analysis usually breaks.
ETFs & Funds · David Okonkwo
The expense ratio is the only part of your return you actually control
You cannot choose next year's market return. You can choose what you pay to participate in it — and over thirty years that choice is worth six figures.
Fixed Income · David Okonkwo
Treasuries and the mark-to-market that scares people for no reason (usually)
The safest asset in the world shows up in the statement down 13%. Here is why that happens, when it is irrelevant, and the three cases where it is a real loss.
Crypto · Nadia Rahman
Bitcoin in a portfolio: the real question is not whether, it is how much
An asset that can fall 80% and rise 400% is not judged by direction but by position size. We ran the numbers on what each allocation band costs and delivers.
