Welcome to Filthy Rich Animal
Filthy Rich Animal is a weekly newsletter that will include jargon-free insights to build your investing portfolio and educational information that you'll actually enjoy. We want you to become financially secure and retire to live the life of a filthy rich animal.
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The Basics
Mutual Funds, ETFs or Both? How to Choose Wisely
Here's how these investments are similar, and how they differ.
Supply, Demand, Nvidia and Taxes
Navigating Stock Market Dynamics and how a bad investment can save you money on taxes.
Avoiding the Urge to Stir in Extra Portfolio Ingredients
Monitor, adjust, and stick to your plan.
Ask These Questions Before You Buy Any Stock
Make sure you understand the value that you will receive for the price you pay.
So, You Want to Be a Great Investor?
Here are some intuitive and simple guidelines
Hands-Free Investing: Let the Pros Take Over
By outsourcing some financial decisions, you may even see a higher return.
How Should You Build a Portfolio?
Smart investing starts with crafting a atrategy for success
Risk And Return Are Related
They say there's no such thing as a free lunch. But that's not quite true for investors. Here's how you can earn a free lunch.
What Things Do People Invest In?
This is the third of ten investing basics articles and we'll cover the different kinds of things you can buy to create your own portfolio.
The Secret to Getting Rich is Time
Article two of ten: Investing early harnesses the power of compound interest.
Investing is Rigged (In Your Favor)
If you want to retire and have nice things, you have to be an investor. And the good news is that if you follow a few simple rules, you can be successful! We're here to help you.
Become a Filthy Rich Animal
Why Your Portfolio Feels Weird Right Now
Even if you're diversified, the balance may seem 'off.' Here's what's going on.
When 'Safe' Becomes Your Biggest Risk
Familiar investments often mean portfolio concentration. Here's what happens when markets shift.
What Happens When Wall Street Locks the Exit?
Private investments aren’t built for daily liquidity.
The Great Diversification Illusion: Why Your Funds May Be Moving in Lockstep
Are you really diversified? More funds may not protect your portfolio from overlap.
Top-5 ETFs That Can Minimize IRA Fees and Improve Investments
Your IRA fees may be higher than you know and these five ETF picks can help.
Beating the S&P 500 Won’t Save Your Retirement — But This Will
Outperforming the S&P 500 may feel like winning, but this should be your real goal.
The Portfolio Strategy Everyone Buried Is Quietly Ready for a Comeback
Bonds are back and it's time to rebalance.
What’s Lurking Inside Your 401(k)?
Better fund choices may boost returns by lowering your costs.
The Hidden Trap Costing Investors Thousands — And the Simple Shift That Fixes It
There a cost that most fund investors overlook, which can significantly drag down returns over time. Here's what you can do to avoid the hit.
Your IRA Isn't a Pre-Retirement Piggy Bank
Penalty-free IRA withdrawals have hidden costs.
You Might Live Longer Than You Think. Here's How to Invest for It.
By the time you retire, the odds are great that you'll live to be 85 or older. And that means your risk and spending needs won't be static.
Has Your Portfolio Gone Adrift?
Let's talk about why you should rebalance your portfolio and the best ways to do it.
Catching Investment Opportunities in the SPDR’s Web
Replace portfolio chaos with a simple approach
Target-Date Funds Get Lifetime-Income Makeover
Generating payouts as traditional pensions fade away
What's Mental Accounting? It Could Wreck Your Retirement
Even cautious investors face surprising retirement risks.
Beyond Stocks and Bonds: Is a Self-Directed IRA Right for You?
More choices, more control, but also more responsibility and potential traps
Consider Location as Much as Allocation
What you own matters. Where you own it is equally important.
Design Your Portfolio to Work Smarter, Not Harder
Replace guesswork with a risk-adjusted strategy.
The Not-So-Hidden Costs of Forgetting Your 401(k)
Flexibility beats neglect in retirement planning
Like Pumpkin Spice Latte, the 60/40 Portfolio Keeps Coming Back
And neither of those is a bad thing.
Loading Up Your Portfolio With 'Stuff' Isn't Helping You
Diversification is more than just buying random stocks and bonds.
Three 401(k) Mistakes You Can Easily Avoid
Three errors could shrink your retirement
When Big Risks Meet Limited Time
Protecting your nest egg becomes more important as you age.
Why One Stock Won’t Rescue Your Retirement
Even so-called safe stocks can be risky
Laziness Is the Key to Retiring Rich
Don't overthink your investments.
You Rolled Over Your 401(k): Now What?
What should you invest in after moving your retirement savings?
Mutual Funds, ETFs or Both? How to Choose Wisely
Here's how these investments are similar, and how they differ.
Retirement Investors Get Surprise 401(k) Update in Reported Trump Order
New retirement investment options offer more upside, but there's a cost.
The Hidden Risks in Your 'Safe' Portfolio
For investors in their 30s and 40s, simplicity is great, but so are rebalancing, diversifying, and adapting to changing conditions
Start Strong: Why Early 401(k) Investing Pays Off
Small contributions today, big gains tomorrow
Retirement Investors Are Getting It Wrong: Here’s a Smarter Way to Do It
Flip your strategy for a better retirement outcome
Retirement Investing in 2025: Why Old Rules No Longer Work
Smart income beats market timing panic
Can Target Date Funds Put Your Nest Egg at Risk?
Set-and-forget funds may not be the right choice as you approach retirement
The Retirement Planning Hack Wall Street Doesn’t Talk About
Why smart investors focus on buckets, not just stocks.
When the Paychecks Stop: How to Invest for the Next 30 Years
Make Your Nest Egg Last Decades
Investing Mid-Career: Maximize Your Financial Momentum
How to invest smarter in your 40s and 50s
Investing in Your 20s
Draft Your Own Championship Team
Think Like Investing Icon Jack Bogle … Or a Black Lab
Investors of all ages benefit from maintaining a recommended asset allocation in turbulent markets
Supply, Demand, Nvidia and Taxes
Navigating Stock Market Dynamics and how a bad investment can save you money on taxes.
Avoiding the Urge to Stir in Extra Portfolio Ingredients
Monitor, adjust, and stick to your plan.
Ask These Questions Before You Buy Any Stock
Make sure you understand the value that you will receive for the price you pay.
The Market’s Shaking. Your Retirement Strategy Shouldn’t.
Here are three steps to protect your portfolio rather than panic.
So, You Want to Be a Great Investor?
Here are some intuitive and simple guidelines
Hands-Free Investing: Let the Pros Take Over
By outsourcing some financial decisions, you may even see a higher return.
How Should You Build a Portfolio?
Smart investing starts with crafting a atrategy for success
How Smart Investors Use Savvy Strategies to Thrive as Stocks Fall
It may surprise you that bearish sentiment doesn’t reliably forecast market downturns.
How Target Date Funds Handle Crashes and Volatility: It's All About the 'Glide Path'
Are TDFs as safe as they claim to be, or could they expose investors to significant risks at the worst possible times? Understanding glide paths is key.
Risk And Return Are Related
They say there's no such thing as a free lunch. But that's not quite true for investors. Here's how you can earn a free lunch.
How to Create Resilient Income for a Market Downturn
Economic downturns and pessimistic market sentiment can wreak havoc on investment portfolios. That’s where dividend stocks come in.
How to Protect Your Nest Egg Against Market Volatility in Retirement
This simple strategy allows retirees to protect their savings against major fluctuations, maintain their lifestyles and afford health expenses.
What Things Do People Invest In?
This is the third of ten investing basics articles and we'll cover the different kinds of things you can buy to create your own portfolio.
The Best Retirement Investments for a Market Downturn
Don't let your plans get derailed. Here's how to recession-proof your nest egg.
The Secret to Getting Rich is Time
Article two of ten: Investing early harnesses the power of compound interest.
Investing is Rigged (In Your Favor)
If you want to retire and have nice things, you have to be an investor. And the good news is that if you follow a few simple rules, you can be successful! We're here to help you.
Ditch Those Old Set and Forget Portfolios and Build a Flexible One for Any Market
Here's how to construct a retirement allocation with the flexibility to adjust based on economic trends, interest rates or stock valuations.
Build a Diversified Portfolio and Generate Income With These Dividend ETFs
Income suddenly becomes exciting in a market downturn. Here's how to 'cash flow & chill' with income-producing funds.
These 5 Top-Inflow ETFs Give Retirement Investors Some Small-Cap Exposure
The ETFs with the biggest fund inflows show how the U.S. tech trade isn’t dead, despite the DeepSeek-driven selloff.
Question of the Week
Earny Asks: Is the Trend My Friend?
Let's learn how to determine the trend of an investment.
Earny Asks: How Should My Portfolio Be Performing?
Let's look at the performance of target date funds to see what kind of returns you could expect so far in 2025.
Earny Asks: The Market Is Like a Party and Parties Weren't Meant to Last
Lot's of talk these days about how the market is like 1999, but more explosive. Earny wants to know what he should do.
Earny Asks: How Will the Government Shutdown Affect My Investments?
Will stocks rise or fall? How about bonds? We'll talk about what you need to know.
Earny Asks: What Do Stock Options Have to Do With Hockey?
In this week's Earny asks, we discuss call options and how much money you can make or lose when you trade them.
Earny Asks: How Can I Get Free Money in My 401(k)?
Use this simple trick to get free money in your 401(k) account.
Was Oracle's Monster Gain Based on AI-Trade FOMO?
Every market needs a buyer and a seller. Let's look at the move in Oracle shares and see what investors were thinking.
The Latte Effect on the Filthy Rich Animal
Can drinking lattes prevent you from becoming rich?
Earny Asks: How Can I Control My Emotions?
Let's discuss three ways that you can control your emotions to become a better investor.
Earny Asks: Does the Price of a Stock Matter?
Price is what you pay, value is what you get.
Earny Asks: Why Is an Old Porsche So Valuable?
It's a special Monterey Car Week edition of Earny Asks, and we'll find out what drives the collector-car market and learn that it's no different from what drives the stock market!
Earny Asks: What's the Easiest Way to Invest?
Investing doesn't have to be hard. You can set it and forget it using the Swiss Army knife of investments.
Earny Asks: Do You Even Know How Tesla Makes Money?
The company occupies space in many of our minds, rent-free. But do you know how they make money?
Earny Asks: How to Fix Mistakes Like Warren Buffett?
Let's see if the best traders are any better than the rest of us.
Earny Asks: Trump Wants to Sack Powell. Should He?
How important is the Fed Chair to a healthy stock market?
Earny Asks: How Is a Stock Different From a Bond?
In this week's question, let's dig into the fundamentals.
Earny Asks: What Can F1 Teach Us About Becoming a One-Person Investment Team?
The Question of the Week is now Earny Asks. And Earny wants to talk about car racing and how you can use this one lesson from the F1 movie to become a better investor.
Question of the Week: The S&P 500 Pits the Big Dogs Against the Little Dogs
This week let's learn about the S&P 500 and why some stocks hold greater sway over your portfolio than others.
Question of the Week: Ferrari is Firing on All Cylinders
Following Ferrari's epic win at the 24 Hours of Le Mans, is Ferrari stock worth buying?
Question of the Week: You Won't Go Broke Taking a Profit
This week's Question of the Week asks why we would sell a winning position that we have rated as a buy.
Question of the Week #5: Are Dividends Good?
Dividends are an important source of an investment's return. But sometimes an investor would prefer not to receive a dividend.
Question of the Week: What is a Stock?
You know you're supposed to invest in stocks and bonds, but what even is a stock anyway?
Who Wants to Be a Millionaire?
You can be a millionaire! It just takes time and diligent savings.
How Much Will You Spend Each Year in Retirement?
This simple rule will determine how much you can expect to spend in retirement.
Question of the Week #1! Vampires are Really Rich.
The first Filthy Rich Animal Question of the Week teaches us how vampires became so rich.