I’m a Financial Expert and Speaker who helps people by translating financial jargon into practical advice.

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I help people understand money, then fix what troubles them. Hundreds of families and thousands of readers turn to me. No nonsense, no jargon and no expert ego. Just someone who has spent my career helping everyday people make money make sense for them.

 

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Dan’s Latest Answers

Past Questions
Do people really believe they can do things without anyone knowing? It’s stunning to see in the news where people - lots of people - do dumb stuff and think they’ll get away with it.

Think about it. Who loves secrets? People who do bad things, mostly. Bribers and bribees. Spies. Crooks. Snotty teenagers, and people cheating on their spouses.

How did we get to a place where lying is normal? I was taught that telling the truth was absolute. Yet, that’s not what I see today.

Lying has become a sad way of life in America. It is modeled from the very top, where political spin (carefully fabricated lies) is expectable fare from both parties.

I’m 54 and my retirement accounts have plunged this year. I know the usual advice is to “hang in there” but it’s so hard to watch. Any suggestions to help cope?

There has been no place to hide so far in 2022. In the first three quarters of 2022, the stock market (as measured by Morningstar®) was down almost 25 percent. If you had $200,000 in the market, it was down to $150,000 on September 30, 2022. During the same period, your bond portfolio slipped by 14.57 percent. Even inflation protected bonds – seemingly a good fit for 2022 - were down 13.61 percent!

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