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Graham breaks down the latest SPIVA scorecard: over a 20-year period, 94.6% of U.S. large-cap fund managers failed to beat the S&P 500. His advice remains simple — low-cost index funds, dollar-cost average, and ignore the noise.
Caleb's latest financial audit reveals a common pattern: people who automate 20% of income to savings before spending build net worth 3x faster. Set up auto-transfers the day you get paid.
Ali shares his updated framework: pick a specific skill you have, package it as a Notion template or mini-course, price at $27–$47, and drive traffic through short-form content. He calls it the “productized expertise” model.
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