The hottest Financial Education Substack posts right now

And their main takeaways
Category
Top Finance Topics

Compound Interest and Trump Accounts

Points And Figures • 506 implied HN points • 30 Jan 26
💰 Finance Financial Education
  1. A new tax-advantaged 'Trump Account' gives qualifying newborns a $1,000 starter deposit (file IRS Form 4547 or use the online portal) and allows up to $5,000 in annual contributions to build long-term equity exposure.
  2. The simplest, most effective strategy is to put the money in a low-cost S&P 500 index fund, invest regularly via dollar-cost averaging, and let dividends reinvest and compound; for example, $1,000 plus $50/month at an 8% return for 60 years can grow to roughly $850k.
  3. Success comes from disciplined, boring saving and long-term passive investing instead of market timing, and using accessible brokers and free educational tools can help give a child a financial and academic advantage.

What 25 Years of Investing Taught Me: 12 Mistakes Your Brain Keeps Making

Behavioral Value Investor • 163 implied HN points • 03 Dec 25
💰 Finance Financial Education
  1. Always understand what you're investing in. Don't rush; take time to study the company and its future.
  2. Look beyond just numbers when investing. Pay attention to the company's quality and management to get a fuller picture.
  3. Be cautious with your investments and think long-term. Quick gains are tempting, but they often lead to losses.

What Is A Stock Split and What Causes It?

Concepts of Finance 🧠 • 239 implied HN points • 02 May 24
💰 Finance Financial Education
  1. A stock split means one expensive share is split into multiple cheaper shares, which keeps the total value the same. It makes shares more affordable for buyers, but existing shareholders get more shares automatically.
  2. Companies often do stock splits to appeal to smaller investors when prices get too high. Lower prices can boost demand because people see it as a better deal, even though the company's overall value doesn't change.
  3. A reverse stock split combines shares to increase their price and can be seen negatively by investors. It often suggests a company is struggling, as they might be trying to inflate prices without real improvements.
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Money Market Update

Concoda • 281 implied HN points • 20 May 25
💰 Finance Financial Education
  1. Cash is flowing back into the money markets, leading to calmer conditions. This means there's plenty of cash available, which is a good sign.
  2. The recent panel discussions revealed that issues in the market were influenced by trade tariffs and how they affected different types of financial trades. Understanding these factors can help make better investment decisions.
  3. Despite some panic over the Moody's downgrade, experts believe it's not a big deal and the U.S. Treasuries are still a safe bet. Overall, it's a stable time to consider investing in Treasuries.

[2025–2026] Week 11: John Train's The New Money Masters

Behavioral Value Investor • 29 implied HN points • 19 Dec 25
💰 Finance Financial Education
  1. Investors must evolve their methods over time, moving beyond old bargain-only strategies to favor durable, high-quality businesses while still insisting on a clear margin of safety.
  2. Temperament matters: patience and the willingness to wait for the right opportunities are as important to long-term returns as intelligence, process, or experience.
  3. The seminar assigns reading The New Money Masters and practical work: map investors’ styles, pick your favorite and least favorite with reasons, create an AI prompt based on an investor, and share all answers in a single comment while engaging respectfully with others.

Understand Math Behind Secondary Sales, Measuring Startup Tractions, VC Daily Digest & More

Venture Curator • 239 implied HN points • 31 Jul 23
💼 Business Financial Education
  1. Secondary sales involve shareholders selling shares to buyers, different from primary sales where new shares are issued.
  2. Understanding the math behind secondary sales helps grasp ownership changes and value fluctuations for founders and investors.
  3. Evaluation of startup traction can be challenging for VCs due to factors like new markets, inexperienced founders, and limited financial history.

Index funds: everything you need to know

Concepts of Finance 🧠 • 199 implied HN points • 27 Oct 23
💰 Finance Financial Education
  1. Index funds are a way to invest in a group of stocks without having to pick individual ones. They are designed to follow a certain market index, making them a good choice for beginners.
  2. Investing in index funds usually costs less than actively managed funds, and they are less volatile over time. This means they can offer a safer investment option with decent returns.
  3. Index funds can be bought easily through brokerage accounts, and they often have low barriers to entry. This makes them accessible for everyday investors looking to grow their money.

What is a Mutual Fund?

Concepts of Finance 🧠 • 339 implied HN points • 03 May 23
💰 Finance Financial Education
  1. A mutual fund combines money from many people to invest in things like stocks and bonds. This way, even if one investment doesn't do well, everyone shares the impact, reducing risk.
  2. There are different types of mutual funds, like equity funds for stocks and bond funds for fixed income. Each type focuses on different investments to suit various goals.
  3. People like mutual funds because they simplify investing. Instead of picking individual stocks, investors can buy a piece of many investments at once and still have the potential for good returns.

Alternative Assets Explained

Concepts of Finance 🧠 • 279 implied HN points • 22 Jun 23
💰 Finance Financial Education
  1. Alternative assets are investments that aren't traditional stocks or bonds. They can include things like real estate, collectibles, and even parking lots, giving you many options to consider.
  2. Many people think only the rich can invest in alternative assets, but that's not true. There are plenty of investment opportunities available for regular investors too.
  3. Investing in alternative assets can be risky, but it also offers a chance to diversify and potentially earn good returns. It's important to research and understand what you're getting into.

Crossing Over Zero

moontower: a stoner dad explains options trading to his kids • 78 implied HN points • 04 Feb 24
💰 Finance Financial Education
  1. The documentary '6 Days To Air' highlights the intense work ethic of the creators of 'South Park'.
  2. Collaboration and hard work are essential for success, as seen in the partnership between Trey Parker and Matt Stone.
  3. Understanding market dynamics, like the significance of opening prices and breakout strategies, can lead to potential trading insights.

[2025–2026] Week 8: Philip Fisher’s Common Stocks and Uncommon Profits

Behavioral Value Investor • 22 implied HN points • 21 Nov 25
💰 Finance Financial Education
  1. Graham's investment approach focuses on protecting against losses, studying past performance to make informed future decisions, and finding undervalued securities. He emphasizes a disciplined, quantitative analysis over qualitative factors.
  2. Fisher expands on qualitative analysis and values long-term company strength and stability. He suggests investors should consider both financial numbers and qualitative aspects like brand and competitive advantages when valuing companies.
  3. Modern investing requires a mix of Graham and Fisher's methods. Investors should incorporate risk awareness, long-term thinking, and adaptability to current market trends, especially regarding intangible assets and rapidly changing industries.

Depreciation explained

Concepts of Finance 🧠 • 219 implied HN points • 30 Mar 23
💰 Finance Financial Education
  1. Depreciation is when things lose their value over time, like cars and electronics. This impacts how much you could sell them for later.
  2. For businesses, depreciation helps account for the decrease in value of their assets, matching costs with how much money those assets help make over time.
  3. Knowing how quickly something depreciates can guide your buying decisions. Some items, like luxury goods, hold their value better than others.

Your payslip - explained

Concepts of Finance 🧠 • 179 implied HN points • 24 May 23
💰 Finance Financial Education
  1. Many people struggle to understand their payslip, which is a common document. Knowing how to read it can reduce anxiety about money matters.
  2. A payslip contains important information like your gross pay, deductions, and net pay. Gross pay is what you earn before deductions, and net pay is what you take home.
  3. Payslips often include abbreviation codes for pay and deductions. It's helpful to know these terms to fully understand your earnings and any deductions from your pay.

What is a bond?

Concepts of Finance 🧠 • 219 implied HN points • 23 Mar 23
💰 Finance Financial Education
  1. A bond is like an IOU. When you buy one, you're lending money to a government or company for interest over time.
  2. There are different types of bonds, like government bonds for public projects and corporate bonds for business funding.
  3. Bonds have important terms like issuer, coupon rate, and maturity date, which help determine how they work and what investors earn.

$10,000 investments that are now worth $1 million

Jon’s Newsletter • 139 implied HN points • 12 Jun 23
💰 Finance Financial Education
  1. Investing $10,000 in certain companies can turn into $1 million over time. It takes many years to see such high returns, sometimes even decades.
  2. Companies like Nvidia and Tesla have shown impressive growth since 2013, making them good examples of successful investments.
  3. Investments in well-known brands like Apple, Amazon, and Starbucks over the long term can also yield significant profits. This highlights the importance of patience in investing.

Lessons from the Crypto Bloodbath[Finance Fridays]

Technology Made Simple • 79 implied HN points • 25 Jun 22
💰 Finance Financial Education
  1. First principles analysis of information is crucial to avoid being manipulated on social media
  2. Crypto crashes are often fueled by greed, FOMO, lack of regulations, and vulnerability to malicious actors
  3. Cryptocurrency market crashes are not the same as stock market sales, as many crypto projects lack profitability plans and are based on speculative principles

Crypto Giant Celsius Overheats into bankruptcy. Investor money left frozen[Finance Fridays]

Technology Made Simple • 39 implied HN points • 05 Aug 22
💰 Finance Financial Education
  1. Celsius, a crypto giant, declared bankruptcy, leaving investor money frozen. This impacted many retail investors who may lose money.
  2. When dealing with companies, understand that their main aim is to make money. Always read the fine print and consider the tradeoffs before investing.
  3. Be cautious of celebrity endorsements in financial decisions. It's essential to analyze all messaging and make your conclusions to protect yourself from scams.

My Interview With We Study Markets

Spilled Coffee • 20 implied HN points • 30 Oct 24
💰 Finance Financial Education
  1. Holding onto winning stocks for the long run is often the best strategy. Eric learned this after selling Microsoft too early and regrets it.
  2. Investing is about personal choices. Everyone should invest in what makes sense to them, rather than following others blindly.
  3. Celebrating small wins in life can make a big difference. Eric enjoys special breakfasts and dinners to reward himself for his hard work.

Interview: QTR's Take On The Election Results, Macroeconomics & More

QTR’s Fringe Finance • 19 implied HN points • 10 Nov 24
💰 Finance Financial Education
  1. Mainstream media and universities often promote ideas that don't reflect real-world logic. It's important to think critically about what we're being told.
  2. Identity politics can distract from true merit and qualifications in leadership. Focusing on skills and experience is more beneficial for progress.
  3. I prefer to get news from independent sources. This helps me find a wider range of viewpoints and avoid echo chambers.

Tony Robbins’ Favorite Asset Class

Net Interest • 18 implied HN points • 01 Mar 24
💰 Finance Financial Education
  1. Tony Robbins has invested in over 100 privately held businesses with combined sales over $7 billion, leveraging his brand to immense success.
  2. Robbins emphasized the concept of 'GP stakes', where investors buy minority positions in asset management firms, such as what he did with Blue Owl through CAZ Investments.
  3. The GP stakes business model focuses on buying into asset management firms and can be highly lucrative, providing exposure to various private asset management firms.