https://www.facebook.com/1589332351354067/

Honor & Independence: Your Mission to Early Retirement

Home
United States
San Francisco, CA
Honor & Independence: Your Mission to Early Retirement

🌏 Babies Clothing: I will be gradually adding a range of babies clothing to this page.

Repainted Dolls: Re-purposed repainted dolls are no longer available to purchase. If you would like to make inquiries about my dolls please contact me.

07/28/2026

YTD $OVL outperforms $VOO

$OVL has outperformed $VOO during MOST times...

Don't sleep on this high income ETF!

07/25/2026

Stocks are significantly outperforming housing over the US over the long run:

Since 1975 the S&P 500 has delivered an average annual total return of +12.2%.

This is more than double the +5.1% annual gain in US home prices over the same period.

Even without reinvesting dividends, the S&P 500 has still returned an average of +9.3% per year, outperforming house price appreciation.

After adjusting for inflation the gap is even wider, with the S&P 500's real total return at +8.3% over the last 50 years, nearly 6 times the +1.4% real annual return of US home prices.

At the same time, the S&P 500 excluding dividends and adjusted for inflation has returned +5.4% per year on average.

Stocks have been a far more powerful driver of wealth creation than housing.

07/25/2026

BREAKING: US investment grade corporate bond funds posted -$7.1 billion in outflows last week, their largest weekly withdrawal since the 2020 pandemic.

On Monday alone, these funds recorded -$8.2 billion in outflows, the biggest daily outflow in over 6 years.

By comparison, during the 2022 bear market, weekly outflows peaked at -$6.5 billion.

This comes as rising oil prices reignited inflation fears, while Alphabet's, GOOGL, higher AI spending forecast on Wednesday intensified investor concerns over ramping CapEx.

Meanwhile, the investment grade corporate bond ETF, LQD, has declined -2.8% since June 30th, to the 2nd lowest level since September 2025 and is down -1.4% year to date.

07/25/2026

BREAKING: Net credit balances fell -$70 billion in June to a record -$1.06 trillion.

This metric tracks how much margin debt investors carry relative to the cash in their brokerage accounts.

Since the 2022 bear market this figure has more than quadrupled.

This comes as margin debt has surged +$895 billion over this period, to a record $1.50 trillion.

By comparison, throughout the 2008 Financial Crisis the net credit balance remained positive, meaning investors held more cash than margin debt amid widespread deleveraging and a flight to safety.

Investor risk appetite is at unprecedented levels.

07/25/2026

Money supply is significantly outpacing economic growth across major economies:

Canada's M2 money supply has grown +368% since January 2004, the largest increase among G7 economies.

By comparison, the Canadian economy has expanded +159% over the same period.

The US follows, with M2 growth of +279% versus a +171% increase in nominal GDP.

Meanwhile, M2 in France has surged +258% and +211% in the Euro Area, both outpacing nominal GDP growth of +84% and +102%, respectively.

In Japan, M2 has grown +90% since 2004, while its economy expanded just +25%, the slowest pace among G7 economies.

The gap between money creation and economic growth is widening.

07/23/2026

BREAKING: Intel stock, INTC, surges over +11% after reporting stronger than expected earnings due to AI.

07/20/2026

Dividend investing gets MUCH easier once you consistently reach $1,000/month in dividends 💵

At that point, your portfolio starts generating enough cash flow to buy more shares of stocks and ETFs without adding new money.

The snowball starts rolling faster and faster from there.

07/17/2026

Think having millions saved for retirement means you’re set? Think again.

One of the biggest surprises for many retirees isn’t running out of money, it’s the taxes that come with it.

If most of your retirement savings are sitting in traditional IRAs or 401(k)s, the IRS eventually requires you to start taking Required Minimum Distributions (RMDs) once you reach the required age. And those withdrawals are taxed as ordinary income.

The larger your retirement account, the larger those mandatory withdrawals can become over time.

That means:
✅ Higher taxable income
✅ Potentially higher Medicare premiums
✅ Less control over when and how you withdraw your money

The key takeaway isn’t to fear RMDs, it’s to plan ahead.

Many financial professionals recommend looking at strategies such as:
• Roth conversions during lower income years
• Gradually withdrawing funds before RMDs begin
• Qualified Charitable Distributions (QCDs) if charitable giving is part of your plan

Smart retirement planning isn’t just about growing your nest egg, it’s about managing taxes so you can keep more of what you’ve worked so hard to save.

The earlier you understand how RMDs work, the more options you’ll have when retirement arrives.

07/11/2026

Does Building Wealth Have to Be Complicated? Not Necessarily.

One of the biggest misconceptions about investing is that you need to own dozens of different stocks, constantly monitor the market, or make frequent trades to build long term wealth. For many investors, keeping things simple can actually lead to better discipline and consistency.

That’s where all in one ETFs come in. These funds are designed to provide instant diversification by combining a wide range of investments, often including both stocks and bonds into a single fund. They also automatically rebalance your portfolio over time, helping you maintain your target investment mix without having to make constant adjustments yourself.

For busy professionals, new investors, or anyone who prefers a more hands off approach, an all in one ETF can be an excellent way to stay invested while reducing the stress of managing multiple funds. Of course, no investment is risk-free, and the right strategy depends on your financial goals, time horizon, and risk tolerance.

The most important takeaway is this: successful investing isn’t about chasing the latest trend or trying to time the market. It’s about creating a strategy you can stick with through market ups and downs. A simple, diversified portfolio often makes it easier to stay focused on your long term goals instead of reacting to short term headlines.

If you’re looking for a straightforward way to invest, this article from Kiplinger does a great job explaining how all-in-one ETFs work and highlights several options worth learning about.

What are your thoughts? Do you prefer the simplicity of an all-in-one ETF, or do you enjoy building and managing your own investment portfolio? Share your perspective in the comments!

06/21/2026

Leveraged AI bets are at record highs in Asia:

Assets under management (AUM) in the 2x Leveraged Long SK Hynix ETF, listed in Hong Kong, are up to a record $13 billion.

This figure has more than TRIPLED over the last 2 months, making it the 2nd-largest ETF among ~250 listed in Hong Kong.

The fund now accounts for ~13% of all assets across the entire local ETF market.

This also marks the most rapid AUM growth on record for an ETF in Asia, ranking 4th worldwide.

To put this into perspective, this fund was launched in October 2025, less than 8 months ago.

Leverage in Asia is at historic levels.

Address

San Francisco, CA
6258

Website

facebook.com

Alerts

Be the first to know and let us send you an email when Honor & Independence: Your Mission to Early Retirement posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Clothing Store in San Francisco?