Quick Read Dave Ramsey advocates 8% annual withdrawals based on S&P 500 (SPY) returns averaging 10% over the past decade. The 8% S&P strategy fails during bear markets when withdrawals lock in permanent losses on depleted portfolio balances. The 4% rule survived stress tests against the Great Depression and 1970s stagflation with balanced portfolios. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. ...

Longleaf Partners, managed by Southeastern Asset Management, released its “Small-Cap Fund” fourth-quarter 2025 investor letter. A copy of the letter can be downloaded here. Longleaf experienced several environments throughout its experience in small-cap investing. This year, the underlying developments in the Fund’s holdings were more promising than the actual stock price returns when compared to the target of inflation plus 10% and the unusual performance of the Russell 2000. In Q4 2025, the Fund returned ...

As the cryptocurrency market navigates a challenging period, Google Trends data shows a notable shift in crypto-related search behavior during the prolonged bear market. While price charts reflect a gloomy atmosphere, a new wave of interest is quietly forming. This trend could create a pivotal shift for the market’s next cycle. Diverging Retail Investor Sentiment Toward the Crypto Market Google Trends data shows a sharp surge in negative and extreme search keywords. Phrases such as “Bitcoin to zero” and ...

It's nearly impossible to find a marijuana stock that has performed well over the years; even a game-changing event like President Donald Trump's late 2025 executive order to reschedule the drug didn't move the needle. Many marijuana companies, including industry stalwart Canopy Growth (NASDAQ: CGC), have seen their share prices erode along with their fundamentals. If you still aim to invest in something smokable that produces a reliably strong passive income stream, consider ditching Canopy Growth and o ...

Longleaf Partners, managed by Southeastern Asset Management, released its “Small-Cap Fund” fourth-quarter 2025 investor letter. A copy of the letter can be downloaded here. Longleaf experienced several environments throughout its experience in small-cap investing. This year, the underlying developments in the Fund’s holdings were more promising than the actual stock price returns when compared to the target of inflation plus 10% and the unusual performance of the Russell 2000. In Q4 2025, the Fund returned ...

Longleaf Partners, managed by Southeastern Asset Management, released its “Small-Cap Fund” fourth-quarter 2025 investor letter. A copy of the letter can be downloaded here. Longleaf experienced several environments throughout its experience in small-cap investing. This year, the underlying developments in the Fund’s holdings were more promising than the actual stock price returns when compared to the target of inflation plus 10% and the unusual performance of the Russell 2000. In Q4 2025, the Fund returned ...

Later that same year, President Wilson signed legislation that authorized the first income tax of the 20th century, which affected about 3% of taxpayers. Individuals would pay a tax of 1% on any income they earned over $3,000.In 1895, the Supreme Court struck down the federal income tax as unconstitutional, but in 1913, the 16th Amendment authorized Congress to collect revenue from taxpayers nationwide. It was the birth of the modern income tax.The original taxer-in-chief was none other than Abraham Lincoln ...

Longleaf Partners, managed by Southeastern Asset Management, released its “Small-Cap Fund” fourth-quarter 2025 investor letter. A copy of the letter can be downloaded here. Longleaf experienced several environments throughout its experience in small-cap investing. This year, the underlying developments in the Fund’s holdings were more promising than the actual stock price returns when compared to the target of inflation plus 10% and the unusual performance of the Russell 2000. In Q4 2025, the Fund returned ...

As a homeowner, you know the financial hurdles aren't just about the mortgage payment. Owning a home also comes with nearly $16,000 in annual housing costs, on average, including homeowners' insurance, taxes, and maintenance. That equates to an additional $1,325 a month in homeownership costs — on top of the mortgage payment — according to a Zillow and Thumbtack analysis. Maintenance was the highest annual cost: Maintenance: $10,946 Property tax: $3,030 Homeowners insurance: $2,003 Of course, the ...

With rates near 5%, a tax refund could start earning more the moment it hits your account.Credit: Xavier Lorenzo / Getty Images Key Takeaways High-yield savings, money market, and brokerage cash accounts pay 3%–5% right now, letting you grow your refund without any risk. CDs offer guaranteed APYs up to 4.50% and let you lock in today’s high rates if you won’t need the money for a while. Splitting your refund between a flexible account and a CD can help you earn more while keeping access to some of yo ...