Insights

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

Articles |
Neil Rose, CFAPosted on
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.
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Federal Debt Past Its Wartime Peak, Is It Time to Start Worrying?

Federal Debt Past Its Wartime Peak, Is It Time to Start Worrying?
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.
read more
Articles
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Income More than $150,000 Last Year? There Are New Rules on Catch-Up 401(k) Contributions

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

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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Letters
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Investment Letter | July 2026

Investment Letter | July 2026
Neil Rose, CFA on investing, July 2026: cognitive dissonance at record highs, the case for TIPS, and finding hidden tech in wide-moat businesses. Wealth management needs a framework.
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Articles
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Market Contradictions Widen: A Story in 5 Charts

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

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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Articles
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A New Retirement Account for Your Kids

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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Articles
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SpaceX IPO Is June 12: Initial Thoughts

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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Articles
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The First Born is Going to College, Part 2

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.
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Podcasts
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Watch: Insider Trading’s Shameless Comeback with Neil Rose & Arthur Mallet

Watch: Insider Trading’s Shameless Comeback with Neil Rose & Arthur Mallet
Neil Rose, CFA and Arthur Mallet discuss the new era of insider trading — prediction markets, congressional trading, and what it costs the U.S. market premium.
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