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The Talley Perspective
Straightforward thinking on taxes, retirement, investment decisions, and building a financial life that actually works.
Investing Behavior Articles
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Investing Behavior
Should I Pay Off the Mortgage or Invest? The Math Is Simple Until It Isn't
The rule is interest rate arbitrage, and most of the time it holds. Here is where it breaks, and the couch analogy that explains why debt sometimes buys you more than it costs.
Investing Behavior
The Market Dropped. Should I Change My Plan?
When the headlines get loud and your account is down, the instinct is to do something. Here is a plain-English look at why a good plan is built to survive exactly these stretches, and why zooming out is usually the wisest move you can make.
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