Investing 101: Zero to First Trade2026-10-23Lesson 31: Same fund, three bills — which account should hold which investmentA plain-English guide to asset location: why the same investment costs different amounts in a brokerage account, a traditional 401(k) or IRA, and a Roth, which holdings are expensive to keep in a taxable account, and how to decide what belongs where.11
Investing 101: Zero to First Trade2026-10-20Lesson 30: Your account is down 20% — what a long-term plan already answers, and where a headline stops being a reasonA plain-English guide to a falling market: what a 20% drop actually is, how often it happens, what selling locks in, and how to tell a reason to change your plan from a headline.22
Investing 101: Zero to First Trade2026-10-16Lesson 29: Your 60/40 became 80/20 — rebalancing, and when it earns its keepA plain-English guide to rebalancing: how a portfolio drifts away from the mix you chose, three ways to bring it back, how often to check, and what the move costs in a taxable account.11
Investing 101: Zero to First Trade2026-10-13Lesson 28: How much of each? Asset allocation, and why your mix matters more than any single pickA plain-English guide to asset allocation: why the percentages you hold in stocks, bonds, and cash count for more than any single pick, what sets your own mix, and how it shifts as a goal gets closer.11
Investing 101: Zero to First Trade2026-10-09Lesson 27: Better than what? Picking a benchmark that matches what you actually ownA plain-English guide to benchmarks: why a return figure means nothing until you set it beside something else, why the S&P 500 is a poor yardstick for a diversified account, and how to pick a comparison that matches what you hold.22
Investing 101: Zero to First Trade2026-10-06Lesson 26: A bigger balance is not a better return — what the change in your account value actually measuresA plain-English guide to what the change in a brokerage account's value really measures: why your own deposits and withdrawals move the balance, and how to read the two rates of return that separate your actions from the market's.1
Investing 101: Zero to First Trade2026-10-02Lesson 25: Reading your brokerage statement — what you own, what you paid, and what to checkA plain-English walk through a brokerage account statement: the dated snapshot of what you own, the two columns behind every holding, and a short check of the page before you file it away.22
Investing 101: Zero to First Trade2026-09-29Lesson 24: Selling an investment — the gain, the loss, and the 1099 that lands in JanuaryA plain-English guide to what actually happens when you sell an investment: how the gain or loss is figured, why holding for more than a year changes the tax, and the form your broker sends in January.31
Investing 101: Zero to First Trade2026-09-25Lesson 23: Treasury bills and savings bonds — lending to the government, and two very different waitsA plain-English guide to Treasury bills and savings bonds: who is actually borrowing, how the money comes back, how long it is tied up, and what federal insurance does and does not cover.11
Investing 101: Zero to First Trade2026-09-22Lesson 22: Where money you'll need soon should sit — savings accounts, CDs, and money market fundsA plain-English look at where money you will need soon can sit — savings accounts, certificates of deposit, and money market funds — what federal deposit insurance actually covers, and what each one costs you for reaching the money early.12
Investing 101: Zero to First Trade2026-09-18Lesson 21: One bond or a bond fund? What you own in eachA plain-English look at holding a bond yourself versus holding shares of a bond fund: what you own in each case, whether the money comes back on a date, what it costs, and how much you need to start.12
Investing 101: Zero to First Trade2026-09-15Lesson 20: What is a bond? An IOU you can sellA plain-English guide to what a bond is: lending money instead of buying ownership, the face value, coupon, and maturity date behind every bond, and why a bond's price moves when interest rates do.31