I Sold My House (Part 4): I Had a Four-Year Plan. I’m Already Off It.
On October 8th, the last payment from my house sale cleared. I should be careful with the word “windfall.” I
My Money Journey
Where I Stand — September 2026: My Monthly Money Recap
Every month, same drill: total assets, dividends received, what changed, no dressing up. The starting line was $96,000 and it
Your Debt Became My Debt. I Just Gave Most of It Back.
After two years of holding a 30-year Treasury fund bought on a rate-cut prediction, I sold 3,120 shares at a 13% loss — and felt like I was finally paying off a debt of my own. The full story, with the chart I should have drawn two years earlier.
Should I Sell It All?
Three months of a sideways market, a sliding exchange rate, and the quiet urge to sell everything. I pulled the real data, opened every account, and wrote down the honest answer.
Korea Just Hiked Rates Twice in a Row for the First Time in Years — Here’s What a 3.0% Base Rate Actually Does to My Monthly Buy
When the Bank of Korea hiked rates twice in a row for the first time in years, I ran the actual math on what a 25 basis point move does to a savings account, a mortgage, and a monthly S&P 500 contribution.
I Thought I Was Dollar-Cost Averaging. I Was Averaging Down.
I bought two AI theme funds, watched them fall, and bought more on every dip — telling myself it was dollar-cost averaging. It was averaging down, which is close to the opposite. Here is the Gartner Hype Cycle I had never seen, what the 1840s railway boom and the dot-com bust actually cost their shareholders, and why knowing the curve would not have saved me.
Where I Stand — August 2026: My Monthly Money Recap
August 2026: savings reached $113,779 and trailing dividends $174 a month — but in won the same accounts fell 2.5 percent. Here is the change broken into its parts, why the two currencies disagree, and the taxable account that just entered these numbers without earning a cent.
Growth Stocks Have Duration Too: What Friday’s Kosdaq Sidecar Taught Me About Interest Rates
A Kosdaq sidecar and a 19-year high in Treasury yields taught me that growth stocks carry hidden interest-rate duration too, so I ran the present-value math to see exactly how much they lose.
My “Safe” Bond Fund Just Took a Hit — What a 19-Year High in Treasury Yields Taught Me About Duration
My long-duration Treasury fund dropped the week 30-year yields hit a 19-year high of 5.33%. Here’s the duration math behind it, and why it’s a small slice of my portfolio, not the core.
Bitcoin Has Been Stuck in a Box for Weeks. My Passive Income Portfolio Still Owns Zero of It.
Bitcoin has been flat for weeks while my dividend funds keep paying anyway. Here’s the arithmetic on what a zero-yield asset actually costs you — plus how Korea’s newly confirmed 2027 crypto tax changes the after-tax math.