Thing One Three Roles If you’ve been reading this newsletter for a while, you’ve undoubtedly seen us touch on life insurance more than once. That’s not by accident. It’s one of the most misunderstood—and often underutilized—tools in personal finance. So whether this is a refresher or your first introduction, let’s break down the real reasons someone should consider owning a life insurance policy. At its core, life insurance isn’t about fear—it’s about planning. And when use

Thing One A Shameful Experiment The Name Of Equity Last week, we talked about the severe negative impact that the lack of education is having on American students - on a macro level - while the people in charge focus on the wrong “problem”. This week we highlight the issue on a micro level using an example from San Francisco. This sad tale about a generation that local system has failed, without any accountability, is a reminder we should be more careful about choosing

Thing One A Minimum Wage Metaphor Imagine for a moment that you are in need of a new pair of running shoes. You know of a strip mall that has two shoe stores, so you get in your car and make the short drive. The first store, Uncle Sam's Sports, is closer to where you parked, so you start there. When you walk in, you're greeted by the manager who asks if he can help you. You politely tell him that you're looking for a pair of running shoes, but you also indicate that you'd