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This episode of W.I.T. from John has me thinking about how bad the results would be if you invested right before a crash every time you put money into the stock market.
Many people are worried about investing in stocks right before a big downturn, but what would that really look like? That's what I'm thinking this week.
Three Things Worth Sharing

The amount of time we spend with others decreases over time, which makes sense as kids move out of the house and we retire.  But the graph in this article shows a striking increase in time spent alone even during ages 50-70 (solitary time up over 30% in those two decades). With studies showing that loneliness and depression are two huge problems for older people, it makes me think about how to plan now to mitigate this for both clients and myself.

An interesting article reminds us of some of the powers of the US government provided by the ‘Commerce Clause’ in the Constitution and how it plays out in real life today.  Plus, how can you not check out an article with a title like ‘The surprisingly high stakes in a Supreme Court case about bacon’?

Just for Fun – instead of drawing straws or names in a hat, here is a neat (& automated!) way to do a random drawing, and all you have to do is enter the names or choices into a box! 
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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