📈 My Net Worth Journey 🚀
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Last Update: 2026/10
Investments & Finance
The Richest Grandparents in History and the Youngest Families Going Backwards: Inside the Fed’s 2025 Wealth Survey
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The median American family is 2 percent richer than in 2022. That is the least interesting number in the Fed’s new wealth census. The interesting ones: minus 23 percent for the young, plus 37 percent for the old, a 9-to-1 racial wealth gap, and one in five families behind on a loan payment.
史上最富的祖辈，与倒退的年轻人：美联储 2025 年家庭财富调查解读
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美国家庭净资产中位数比 2022 年实际高出 2%——这是这份新财富普查里最不值得一提的数字。有意思的是这些：年轻人 −23%，老年人 +37%，种族财富差距 9 比 1，以及五分之一的家庭在贷款上逾期。
Whatnot at $20 Billion: Why a Live-Shopping App Is Priced at 37% of eBay
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The $20 billion is not a price on what Whatnot is. It is a price on what US live commerce might become, and on Whatnot still owning most of it when it does. Whether that price is crazy depends on exactly two numbers: how big US live shopping gets, and whether the doubling stops.
Whatnot 凭什么值 200 亿美元：一家直播购物 App 被定价为 eBay 的 37%
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这 200 亿买的不是 Whatnot 现在的样子，而是美国直播电商可能长成的样子，以及它在那时仍然占据大半江山的可能性。这个价格疯不疯，只取决于两个数字：美国直播购物最终能做多大，以及那个翻倍曲线什么时候停。
Meta Q3 2026: A $9.9 Billion Asterisk, a $25 Billion Warning, and an Ad Machine Still Running at +26%
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Meta’s quarter contains two companies: an ad business compounding at 26% with a ~35% underlying margin, and an AI build-out now large enough to push free cash flow negative in the best revenue quarter in company history. The earnings release — and one court ruling — tell both stories.
Meta 2026 年 Q3 财报：99 亿美元的星号、250 亿美元的警告，以及仍在 +26% 运转的广告机器
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Meta 这份财报里装着两家公司：一家以 26% 增速、约 35% 底层利润率复利增长的广告公司，和一个已经大到能在公司史上营收最高的季度把自由现金流推成负数的 AI 基建豪赌。财报本身——外加一份法院判决——把两个故事都讲了。
CoreWeave’s Bonds Hit 15%: What the Credit Market Is Actually Saying
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A 15% bond yield is the credit market repricing CoreWeave’s entire funding model. Here’s the math behind it — and why it’s a verdict on the balance sheet, not on AI demand.
CoreWeave 债券收益率冲上 15%：信用市场到底在说什么
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15% 的债券收益率，是信用市场在给 CoreWeave 的整个融资模式重新定价。这篇拆解背后的数学——以及为什么这是对资产负债表的判决，而不是对 AI 需求的判决。
💸 Barbell Risk Management for Volatile Markets
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The barbell approach combines resilient core allocations with a limited high-upside sleeve, keeping risk intentional.
November 2025 Market Outlook: Year-End Positioning and Strategic Opportunities
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As we approach year-end, November 2025 presents unique opportunities and challenges for investors. Here’s your comprehensive guide to navigating the final months of 2025 and positioning for 2026.
Political Turmoil & Market Volatility: Investment Strategy for Uncertain Times
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Political shockwaves from FBI indictments to DOJ controversies are rattling markets. Here’s your comprehensive guide to navigating political volatility and turning uncertainty into opportunity.
October 2025 Market Outlook: Hidden Opportunities in Market Corrections
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Markets are down, volatility is up, but opportunity is everywhere. Your comprehensive guide to navigating October 2025’s market landscape and finding hidden gems in the chaos.
My Portfolio vs S&P 500: Extended Performance Analysis
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I’ve been tracking my personal stock portfolio performance against the S&P 500 benchmark from August through September 2025. With my portfolio heavily allocated to technology stocks, market conditions have been volatile with some interesting recovery patterns. Here’s an extended analysis of how my investment strategy performed relative to the broader market over this two-month period.
🔄 How to Rebalance When You Have Large Capital Gains in a Single Stock 💰
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This post explores strategies for rebalancing concentrated stock positions that have accumulated large capital gains, a common challenge for long-term investors.
Weekly Market Watch: Navigating the Markets for August 25, 2025
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As we step into the last week of August 2025, the financial markets are buzzing with activity. Here’s a deep dive into the key trends and actionable insights to help you navigate the week ahead.
🎁 Gift Tax Strategies: The Legal Way to Handle Capital Gains
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Ever wondered if there’s a legal way to avoid capital gains taxes? Spoiler alert: there is! Let’s explore the fascinating world of gift tax strategies and how they can help you manage concentrated positions with large unrealized gains.
The Race for Fed Chair: Trump’s 11 Candidates to Lead America’s Central Bank
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With Jerome Powell’s term as Federal Reserve Chair set to expire in May 2026, President Trump is considering an extensive list of candidates to lead America’s central bank. According to recent reports, the administration is evaluating 11 potential nominees through a deliberative process led by Treasury Secretary Scott Bessent. 💼
Tariffs, Jobs Revisions, and a Likely September Rate Cut: A 2025 Playbook for Investors
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How tariffs, BLS jobs revisions, and a potential Sep 2025 rate cut shape a practical portfolio playbook.
🏦 2024 Credit Card Cashback Calendar 💳
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2024 Quarterly Calendar 
From Headlines to Holdings: A Practical Guide to Using News in Your Investment Strategy
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Learn how to cut through the noise of financial news and use real-time information to make smarter, more confident investment decisions. This is how our platform helps you stay ahead.
🚗 Car Payment Is The Biggest Reason That Keeps You Poor 💸
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I will do the math here to show how to lose 143% in investiment return in just 6 years