Maybe you’ve done the right things with your personal finances but had a series of setbacks. Everytime you think you are making progress, something seems to come up—an expense you weren’t anticipating or a change in your health.
You bond with friends who are in a similar situation with money. Making plans to get your act together while they struggle seems unloyal and out of reach.
The way we spend our money and navigate our financial life is as routine as drinking coff...

yes 2022 has been a year of surprises. the volatility and the downside action on the market in the first quarter left a lot to be desired and many people heading to the sidelines. the consistent investor though that has seen this before has a different take and the words of Warren Buffett buy when there's blood on the street. in essence what I have been looking at are a number of factors to help me for a possible economic downturn.
first I have examined a number of trends from past cycles and sa...

what's the expense ratio?