Articles Archives

Federal Debt Past Its Wartime Peak, Is It Time to Start Worrying?

Articles | Aug 6, 2026 | Neil Rose, CFA

Federal debt held by the public reaches 101% of GDP in fiscal 2026. The Congressional Budget Office projects it hits 107.7% in 2030 — surpassing the 106.1% record set in 1946 — then 120% by 2036 and 175% by 2056.

Articles

Aug 6, 2026

Federal Debt Past Its Wartime Peak, Is It Time to Start Worrying?

Articles

Jul 28, 2026

Income More than $150,000 Last Year? There Are New Rules on Catch-Up 401(k) Contributions

If you're 50+ and earned over $150,000 last year, your catch-up 401(k) contributions must now go in as Roth money. Here's what changed and what to check.

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Jul 28, 2026

AI Made Coding Easy. Vision Is Still the Hard Part.

Notes from Regency's first hack-a-thon: AI removed the technical barrier to building tools, but the what and why matter more than ever.

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Jul 1, 2026

Market Contradictions Widen: A Story in 5 Charts

Five charts reveal widening cracks in today's market: stretched valuations, sentiment gaps, a flattening yield curve, and a surge of new IPOs.

Articles

Jun 16, 2026

China’s Real AI Advantage Isn’t the Algorithm—It’s the Electric Bill

Is China closing the gap in AI innovation? Discover the Chinese AI cost advantage and its impact on global AI competition.

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Jun 16, 2026

Scam Alert: Fake Texts Are Circulating

Beware of fake scam texts demanding urgent payment. Learn how to identify fraudulent messages and protect yourself.

Articles

Jun 5, 2026

A New Retirement Account for Your Kids

Trump Accounts launch July 4, 2026 — a new starter IRA for kids with a $1,000 seed. Kawika Shoji compares them to 529s, UGMA/UTMA, and custodial Roth IRAs.

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Jun 5, 2026

SpaceX IPO Is June 12: Initial Thoughts

The SpaceX IPO arrives June 12 at a $1.75 trillion valuation. Neil Rose on getting shares, the lock-up risks, and why position sizing matters most.

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May 20, 2026

The First Born is Going to College, Part 2

“Don’t believe the degree itself matters.” A father’s frank letter to his 18-year-old son on cost, value, and what college is really for.

Articles

May 7, 2026

The Firstborn Is Going to College

Is college still worth it? Neil Rose reflects on sending his firstborn off to school and what a degree actually means today.

Articles

May 5, 2026

Time is the Asset We Don’t Value Enough

Money is renewable. Time is not. Why financial planning needs to make space for the question we don't ask enough: when do we actually start enjoying it?

Articles

May 5, 2026

Crazy Rich Insider Traders

Insider trading in Washington has gone from hidden to brazen. What the surge in trades, prediction markets, and shrugs from regulators means for US markets.