After three consecutive years of double-digit market gains (2023–2025), it’s natural to feel a mix of excitement and a little bit of "waiting for the other shoe to drop." As long-term investors building wealth, if you’ve been consistently investing your paycheck, your investments likely looked better at the end of 2025 than it ever has. But as we step into the 2026 outlook towards wealth, the question isn’t just "Will the markets go up?" but "How do I protect and continue to

Riding the Wave: The Rarity of Three Straight Years of Double-Digit Market Growth If you have been a long-term investor and following your journey with Paycheck to Wealth  in the last few years, you’ve witnessed something truly historic. As we close out 2025, the financial markets are on track to finish its third consecutive year of double-digit gains. To put it bluntly: This doesn't happen often. While it’s easy to get used to seeing double-digit gains with your investments,

As we approach the end of 2025, we are once again asking: Will the infamous Santa Claus rally reward those who’ve stayed patient through another year of market twists and turns? After three consecutive years of robust stock market gains, the answer is not so straightforward, but let’s take a look at what the Santa Claus rally is and what it might hold for us this year. What Is the Santa Claus Rally? The Santa Claus rally refers to a seasonal pattern where U.S. stocks tend to

Happy Black Friday!  So far this holiday season has not disappointed.  The financial markets are winding down what looks to be the third straight year of strong performance.  Long-term patient investors have seen their investments grow in value over the last three years.  That alone is enough to give thanks for a festive financial season.  The climb has not been easy and there have been bumps along the way such as inflation shocks from higher prices, tariff shocks from the ne

“Would you like to save an extra 10% today by signing up for our credit card?” We all have heard this simple phrase countless times when checking out at our favorite stores. It seems like the perfect offer when shopping to save a few extra dollars at the register. However, have you considered the long-term effects it has on your wealth-building?   Retail shopping credit cards (along with several others) can be classified as high-interest credit cards and can set your wealth-b

Spooky or not, historically, the fall is considered the slow period for stock market performance.  Oftentimes, if September performs well, then October becomes the month when the financial markets might slow down.  However, 2025 has been anything but normal.  September had strong performances for all three major markets and October is building on that momentum.  September saw the major market indexes climb from 1.87% for the Dow Jones to 5.61% for the NASDAQ.  These are very

On August 7th, President Donald Trump signed an executive order: Democratizing Access to Alternative Assets for 401(k) investors . If you currently have a 401(k) plan with your employer, then you’re one of the more than 90 million Americans impacted. According to the new executive order:   “It is the policy of the United States that every American preparing for retirement should have access to funds that include investments in alternative assets when the relevant plan fiducia

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The financial markets have staged an extraordinary recovery since President Trump announced “Liberation Day” by enacting tariffs in early...

Many people often think about $1 Million as a special financial milestone to reach in order to have financial security.  However, what...

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The last few weeks have been very challenging in the financial markets.  The big swings, both up and down, are enough to have your head...

Often the dreaded tax season might not be everyone’s favorite time of year, but the prospect of a tax refund can bring a smile to...

Introduction: We all know that investing can seem daunting, especially for new investors. With so many strategies and options available,...

Pensions are great, but there are other ways to enjoy your golden years that are better than having a pension.