Which Curve Do You Want?
Picture it: you have 3 to 6 months of expenses saved for emergencies.
It's your emergency fund. You'll only ever access it if there's an emergency, right?
Wisdom dictates that your emergency funds stay liquid and safe, right?
But we'd really like to also protect it against inflation and get some sort of growth from it too, right?
So the question is, now that you've got 3 to 6 months of expenses saved in an emergency fund, where do you keep it? ‘Cause money has to live somewhere, right?
The chart below shows two options. Option Red and Option Green. Their growth trajectories, if never interrupted by an emergency, are shown over a 30 year span.
They are both safe and both guaranteed to grow.
Which curve do you want?

Capital Reserve Strategy
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From Coast-to-Coast Strategy to Trash-Talk Battles: Our Ticket to Ride Tradition

There’s something deeply satisfying about sitting down at the table, spreading out the Ticket to Ride board, and feeling that familiar mix of anticipation and excitement. It’s not just a game for me—it’s an experience and, honestly, one of my favorite ways to connect with my son, Thomas. But before I get to him, I should start with what first hooked me: the thrill of building and dominating a network of train routes.
From the moment the game begins, Ticket to Ride hits that perfect balance of strategy and simplicity. The rules are accessible, but the decisions are meaningful. Every turn brings a tension that feels almost elegant: collect more cards or claim a route before someone else snags it. Build that short connection now or gamble on drawing the color you need for claiming the longer—and far more lucrative—route later. And threading those choices together into a continuous train network that stretches from Coast to Coast? That’s the magic. I love the challenge of crafting a seamless route, not only for the satisfaction of seeing it take shape but for the sweet payoff of those extra points at the end. There’s nothing quite like it.
But as much as I enjoy the strategy, the real joy comes from who I play with. Nearly every game I’ve played in recent years has been against my son, Thomas. If you met him in any other setting, you’d notice right away that he’s kind, gracious, easygoing—the type of young man people naturally like. But once Ticket to Ride hits the table? He transforms. He becomes a trash-talking machine, cracking jokes, predicting his inevitable victory, and narrating your so-called “strategic mistakes” with the confidence of a seasoned sportscaster. And I absolutely love it.
There’s something special about seeing a different side of your child emerge in the space of play—competitive but still delightful, bold but still generous. Even when he’s in full competitive mode, it stays light, fun, and joyful. And every time we play, I feel like we carve out another little memory—another moment of shared laughter, another inside joke, another chance to simply enjoy each other’s company.
In the end, Ticket to Ride isn’t just a board game. It’s strategy, competition, connection, and story—all neatly packed into one colorful, compelling map. And for me, that’s what keeps me coming back.
2025 Tax Return Projection
I understand the stress of not knowing your tax future. My expert process delivers accurate forecasts to guide your tax planning decisions.
Get peace of mind and control over your tax liability with clear insights.
Beware the “average rate of return”.
If a stock drops 50% in a year, what % does it have to go up the next year to get back to even?
That's right, it has to go up 100%.
What's the average of -50% and 100%?
That's right, 25%. Pretty impressive!
What was the ACTUAL return?
$0
Tax Basis Bookkeeping
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What's the plan if the plan doesn't go as planned?
“A plan is only useful if it can survive reality. And a future filled with unknowns is everyone's reality.”
-Morgan Housel, Psychology of Money, p 63
Danny's take: This is not an absolute statement, but it makes an important point. We often make plans without considering 2nd and 3rd order consequences. We also don't ask, “What could go wrong?” and “What's the worst outcome of this plan failing?” And, importantly, “Can I live with this plan failing?”
There is certainly value in planning even when the plan doesn't go a planned. But we should also be thinking about a plan for if the plan doesn't go as planned.
Life Insurance Blueprint
Life Insurance.
You Know You Need It.
But how much and what kind?
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Case Study: Couple With $300,000 Wages
This is a hypothetical Tax Return Projection.
A married couple with $300,000 of household wages. They have some kids.
I changed none of the facts of their income or deductions and did a 2025 Tax Return Projection. What this does is show the difference in the results based purely on the changes in the tax code and tax calculations.
In 2024 they had a $565 refund.
In 2025?
They're projected to have a $3,756 refund.
Your results may vary.
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The Sun Was Created On Day 4?
I believe the Bible is the Spirit-inspired Word of God.
I recently heard a teacher say, “The 7 days of creation were 24-hour days and were just like the days we experience today.”
😬
I'm not saying the days were or weren't 24-hour days. That's not the point here. My point is that the words we use and the way we use them matter.
Details matter.
The sun didn't appear in the creation order until day 4. So to say that the days of creation were experienced just the way we experience them is dubious at best.
There was, according to the Bible, no “sunrise” or “sunset” on days 1 through 3.
