Thing One    Where the S&P 500 Could Go Next — And What That Means for Your Money Every year, Wall Street rolls out its forecasts for where the S&P 500 is headed. And every year, we’re reminded of the same truth: nobody actually knows. That’s said, there are credible arguments for strong upside, little to no upside, and  meaningful downside between now and the end of next year. Still, it’s helpful to understand the range of possibilities investors are talking about. On the optimistic end,...

Thing One What The Last Three Major Market Crashes Teach Us About Long-Term Investing Market history is full of declines, but only a few reach true “crash” status — deep, prolonged drawdowns that shake investor confidence and reset entire economic cycles. The last three such events all delivered peak-to-trough losses of 34% to 57% , each triggered by a different spark, each with a different recovery timeline, and each ultimately rewarding investors who stayed the course. Here’s what happened,...

Thing One The 2025-26 HSA Update (And What It Means For You)   If you haven’t reviewed your health-savings strategy in a while, now’s a good time. Two major changes are coming up for Health Savings Accounts (HSAs): higher contribution limits and broader eligibility thanks to changes in how Bronze-level health plans qualify. What’s an HSA and Why Is It So Good? An HSA (Health Savings Account) is one of the most tax-efficient tools you can use. It lets you set aside money before taxes, grow...