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Humble Dollar

The Humble Dollar column covers personal finance, long-term investing, retirement planning, and wealth management, offering users practical perspectives on financial decision-making.

Humble Dollar's Articles

Pricing the Future

THE WAY INVESTORS think about the stock market may be entirely wrong. Intuition tells us, and academic research confirms, that a company’s stock price should respond

2026/06/20

How financially illiterate are Americans?

A article in the NYTs says “Many people are not aware IRAs exist.” Can that be true? I bet it is. One survey reports the median worker has only $955 saved for

2026/06/19

Leverage

Possibly a misuse of the term, in its strict financial sense. Anyhow... For decades I've heard about the value or use of leverage. It's most easily recognized in

2026/06/19

He Said I Wasn’t Very Nice

The door bell rang unexpectedly three times in three days. The first on Wednesday, was a couple high school kids trying to drum up some window washing jobs. They

2026/06/19

Risk Adjusted: The Family Ledger

Most investors understand risk-adjusted return. I'm guessing few apply it to the way they earn the money in the first place. That gap, between what you made and

2026/06/18

What Addiction Couldn’t Take: My Sister’s Story

A $300 a week drug habit. Over a year, it’s more than $15,000. Over a decade, it’s well into six figures. Over a lifetime, the total can be staggering. After my

2026/06/17

How well off are Americans compared to the rest of the world? Fun facts.

When I took at look at the data I was a bit surprised. We hear a lot about the US being the richest country in the world, but the data was a shock. Using a global

2026/06/17

HD Reader’s Demographics

If submissions could be anonymous, it would be very interesting to learn about the demographics of the HD readership. For example ; current age, female or male

2026/06/16