One careful read, every Sunday.
A free email from Leon Neukirch. One deep-dive on a money idea, three shorter notes worth your time, and one number that explains the week.
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What's actually in it
- The Long Read. One pillar deep-dive — usually 1,500 to 2,500 words on a single question. Recent ones: why the 4% rule doesn't work the way you think it does; what a Roth conversion actually costs in the year you do it.
- Three Notes. Short, opinionated, often a chart. A reader question, a number worth knowing, a piece I read this week.
- One Number. A single figure — average savings rate by income decile, real return on cash over the last decade, etc. — with two paragraphs of context.
- No upsells. No "premium tier." No paid promos. If a piece references a product I use, it's labeled.
New here? Start with these
The newsletter draws from the same archive you can read here today. If you are new to Wealthronic, these are three pieces I would point a friend at first:
The 50/30/20 budget is broken — here's a more realistic split
The rule was a useful first draft when Elizabeth Warren wrote it down in 2005. Two recessions, a pandemic, and years of housing and insurance costs rising faster than wages later, the percentages stopped working for a lot of households. Here is a more realistic way to split your money — and the data behind why.
Dividend investing for beginners: what nobody tells you about yield traps
Dividend investing has a beginner trap that the introductory articles tend to skip: the highest-yielding stocks are usually high-yielding for a reason, and that reason is rarely good. Here is the short version of how to read a yield without falling for the headline.
What a print-on-demand store actually earns: a realistic one-year P&L
Three platforms. 2,840 designs uploaded. $11,260 in gross revenue. After fees, ads, and recurring design subscriptions, a typical first-year seller clears less than a part-time minimum-wage job. Here is how the economics actually work, with a realistic month-by-month worked example.