Beyond the Algorithm: The Enduring Value of Human-Led Wealth Strategy
If a machine can build a better portfolio at a tenth of the cost, what is a human advisor for? On the human ceiling that no algorithm can cross.
Notes from a Curious Mind
Thinking out loud about markets, technology, and the human experience.
$1.6 Trillion on Wheels: America's Auto Loan Crisis
US auto loan debt has reached $1.66 trillion — equal to the GDP of South Korea. On the structural failure driving America's repossession cascade.
Architecture of Belief: Building Before the Proof
What naivety gets you that experience can't.
The Rent Trap: Subscription Fatigue in 2026
We have traded the joy of ownership for the anxiety of the active status. It is time to own our tools again.