Building Wealth
Making money and building wealth aren’t the same thing. Building wealth is the long game of growing your net worth (what you own minus what you owe) through saving, investing, managing debt and building a business. These reports explain the common tools and accounts, their rules and their risks, with links to official sources such as the IRS, SEC and FINRA.
Investment Categories
Know what you’re buying before you put your money to work.
Stocks and Bonds: How Stocks, Bonds, Funds, ETFs and Treasuries Work
Stocks are shares of company ownership and bonds are loans to issuers; funds and ETFs pool both, and allocation, fees, risk and taxes shape results.
- Complexity: Medium
Real Estate Investing: Rentals, House Hacking, REITs and Syndications Explained
Real estate investing means owning property, or shares of property-owning entities, for rental income and possible appreciation, with leverage, liquidity and management trade-offs.
- IRC §§168, 469, 857 and 1031
- Complexity: High
Investing in Small Businesses: Buying, Starting or Backing a Private Company
Investing in small businesses means buying, starting or funding a private company; it can pay off but is illiquid, hard to value and often fails.
- Securities Act exemptions (Regulation D, Regulation Crowdfunding); IRC §§1202 and 1244
- Complexity: High
Cryptocurrency: How Crypto Assets Work, Their Risks, Scams and Tax Rules
Cryptocurrency is a crypto asset recorded on a blockchain; it is highly volatile, not FDIC-insured, a frequent scam vehicle and taxed by the IRS as property.
- IRC §6045 (broker reporting); IRS Notice 2014-21 (property treatment)
- Complexity: High
Investing Principles
Patience beats hype. Here’s why.
Why Long-Term Investing Wins and Short-Term Gambling Loses
Long-term investing holds diversified assets for years; short-term trading chases price moves. Costs, taxes, leverage and behavior weigh heavily on trading.
- IRC §1222 (holding periods); FINRA Rule 4210 (margin)
- Complexity: Medium
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