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This episode of W.I.T. from John has me thinking about how much longer this year's stock market unpleasantness might last.
Mid-term election years typically have a larger than average stock market downtown, but often things hit bottom later in the year rather than earlier.
Three Things Worth Sharing

In the News - I was quoted again recently in two CNBC articles, another one focusing on I bonds ("Want to buy more than $10,000 in nearly risk-free I bonds? Here are a few strategies") and one about paying off credit card debt in the face of rising rates ("Here are some strategies to pay off credit card debt before interest rates rise again")
Do you want to be rich or wealthy? – This essay from Morgan Housel is both interesting for its concise summary of the fall of the Vanderbilt empire and also useful as food for thought in contemplating our own desires.  The author includes a great quote from Nassim Taleb:  
“The record shows that, for society, the richer we become, the harder it is to live within our means. Abundance is harder for us to handle than scarcity.”   

And he also provides some context for how this might apply in our lives:  
“Average household incomes adjusted for inflation have more than doubled in the last 70 years, but it doesn’t feel that way because expectations have more than doubled. Part of the reason home affordability is lower today than in previous generations is because the average new home is a third larger than it used to be.”

Just for Fun - A sequel to the mockumentary This is Spinal Tap is in the works with the original director and cast. Spinal Tap II will see Rob Reiner return as both film-maker on and off the screen along with Michael McKean, Harry Shearer and Christopher Guest. The film will be released in 2024 on the 1984 original’s 40th anniversary.
About the 'What I'm Thinking' Series
I do a lot of reading and thinking about personal finance so that our clients don’t have to and I periodically share my thoughts through this series of short recordings & emails - which I’ve creatively titled ‘What I’m Thinking’!
Over time there will be some topics that appeal to everyone, some that will be mildly interesting and some that only folks who are really into personal finance will find useful - which is just perfect.  Take whatever is useful to you from these and ignore the rest - in fact I give you permission to just hit the delete button if it sounds Iike more work than fun to listen!

Mark Twain once said ‘I was going to write you a short letter but I didn’t have time, so I’m writing you a long one.’  That concept really resonates with me, so I work really hard to keep these episodes short and digestible.  I hope you find them interesting - please share it with others that might enjoy it as well! 
Let me know your thoughts about this episode in the comments section on YouTube or via
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