“Never let the things you want make you forget the things you have.”
Sanchita Pandey

In This Edition

Happy Thanksgiving
The Perfect Conditions
Latest Podcast
Testimonials

Dear Friends,

As many of you know, every Thanksgiving morning I get up between 3 and 4 to create a new list of all the people I am thankful for, that are in, or have been, in both my personal and professional my life. The list includes family, friends, teachers, mentors, students, and a long list of people who are working to help investors improve their financial futures.

Tim Ranzetta's name is high on the list because of the remarkable work he does in the promotion of financial literacy for young people. The following is a link about a new proposed bill in the state of California that I know Tim Ranzetta has worked 1000s of hours to support.

California will be a very big addition to the list.

https://kion546.com/news/2023/11/14/california-bill-proposed-to-require-a-personal-finance-class-in-to-high-school-students/

Tim Ranzetta, and Next Generation Personal Finance, continue their push to get personal finance a required course for all high school graduates. Presently there are 23 states that have adopted the required course for all high school graduates. Tim’s goal is to have every state on the list by 2030.

The TV announcement notes one of the major costs for the schools will be development of the new curriculum. The good news is NGPF already offers the curriculum free, along with the teacher development.

I am thankful for Tim Ranzetta and his wonderful team of teachers. I am excited to be working with Tim in January 2024 to teach the teachers the pros and cons of target date funds.

I read Seth Godin’s blog each morning. "The perfect conditions” (November 19, 2023) just made my “ best of Godin" list.

The perfect conditions

Somewhere, there is the ideal soil for growing mangoes. Or the best possible wave for surfing. Or the most romantic sunset for a proposal.

But it’s not right here and it’s not right now.

Our success has a lot to do with how we dance with conditions that aren’t quite perfect.

Seth Godin

As I thought about "The perfect conditions" I realized that, very likely, the most important part of our work is to help you prepare for conditions that won’t be perfect. We want them to be perfect but we do understand they won’t be close—at least not in the short term.

I want to thank Chris Pedersen, Daryl Bahls, and Craig Appl for creating a framework of information for us all to consider as we make some of the most important investment decisions of our life. I want to thank Margie Baxley and Renee' Ashley for maintaining our website and social media to present our more than 700 articles, podcasts and videos to our readers, listeners and viewers.

I want to thank our Truth Tellers for their continued effort to bring some of the best educational information available to do it yourself investors.

I also want to thank Morningstar, the American Association of Individual Investors, the Bogleheads and The White Coat Investors for inviting us to share our research with their members.

But most of all, I want to thank you all for having the trust to consider our guidance in building your portfolios and your financial future. Thank you for your questions, thank you for forwarding our information to others, thank you for your comments of support and thank you for your generous contributions.

Latest Podcast- Doc G interviews Paul

Beyond Numbers: Unveiling the Generosity of

Personal Finance

"Join me in an eye-opening conversation with renowned investing advisor and philanthropist Paul Merriman as we delve into the question: Is personal finance inherently selfish? In this episode, we explore the broader impact of financial decisions and discuss Paul's recent $3.6 million gift to empower students at Western Washington University through investing education." Doc G

Listen to more of ⁠Doc G on Earn and Invest-⁠
⁠https://www.earnandinvest.com/episodes-7/youre-not-spending-enough⁠
⁠https://www.earnandinvest.com/episodes-7/test⁠
⁠https://www.earnandinvest.com/episodes-7/spreading-the-financial-independence-gospel-are-we-preaching-to-the-choir⁠

Testimonial

Paul and Chris,

Thank you for freely sharing your knowledge! I am full of admiration and gratitude for the work that you and your team are doing to enhance financial literacy and education, and help DIY investors like myself build sensible, evidence-based portfolios.

3 ways investors are tricked — and 6 ways to protect yourself

Beyond Numbers: Unveiling the Generosity of

Personal Finance

The Lifelong Process of Financial Education with Paul Merriman

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Subscribe to our weekly “Sound Investing” podcast, available on your favorite listening platforms and leave a review. Tell us what you think!
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In This Edition Happy ThanksgivingThe Perfect ConditionsLatest PodcastTestimonials

In This Edition

Happy Thanksgiving
The Perfect Conditions
Latest Podcast
Testimonials

Thanks to each and every one of you!