The hottest Financial planning Substack posts right now

And their main takeaways
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Investment Portfolio Strategies - A Beginner's Guide (Part 1)

Concepts of Finance 🧠 • 379 implied HN points • 26 Sep 24
💰 Finance Financial planning
  1. Having an investment strategy is important because it helps you reach your financial goals. It guides your decisions based on your goals, how much risk you're comfortable with, and your future needs.
  2. Different investment strategies exist, like the 60/40 portfolio which mixes stocks and bonds, or the All Weather portfolio which is built for various economic conditions. Each has its pros and cons depending on your investment style.
  3. Before investing, ask yourself key questions about your savings, future expenses, and how much risk you can handle. This will help you create a strategy that fits your personal financial situation.

How much software budget do you need for an early stage fund?

The VC Corner • 459 implied HN points • 14 Aug 24
💼 Business Financial planning
  1. You need a solid tech stack to improve efficiency in early-stage funds. This helps you manage tasks better and focus on high-impact work.
  2. A basic software budget for productivity can be around $1.2K per year per person, with additional costs for add-ons and data sources.
  3. Understanding your goals and resource needs is essential when choosing tools. Investing in the right data sources and proper tech can really boost your fund's performance.

From Numbers to Narrative: Financial Modeling for Founders 📊

The VC Corner • 579 implied HN points • 12 Jul 24
💼 Business Financial planning
  1. Financial modeling is all about telling your startup's story using numbers. It's important for getting investments and managing your business well.
  2. A solid financial model includes three main statements: the Income Statement, Balance Sheet, and Cash Flow Statement. These help you understand your revenue, costs, and financial position.
  3. Building a financial model starts by defining your assumptions. This helps you predict future performance and make informed decisions for your startup.

❄️🏢 Acheter un immeuble de rapport : tout ce qu’il faut savoir

Snowball • 1100 implied HN points • 22 Jan 24
💰 Finance Financial planning
  1. Buying an income-building property requires thorough preparation and attention to details before making the purchase.
  2. Investing in buildings with multiple rented units can offer advantages like lower price per square meter, increased yield, and centralized management.
  3. When visiting potential properties, it's crucial to ask the right questions to sellers, observe key elements on-site, and gather essential documents for further evaluation.

7 Things You Should Do Before the Coming Bear Market

Behavioral Value Investor • 89 implied HN points • 17 Nov 25
💰 Finance Financial planning
  1. Write down your investment process so you can stick to it during a market crisis. It helps remind you of your strategies when emotions run high.
  2. Focus on long-term investments instead of short-term gains. This way, you can stay on track and not get swayed by temporary market changes.
  3. Be patient and only invest in solid companies at fair prices. This gives you room to make smart choices instead of panicking in a bear market.
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Building Models to Predict the Future

Growth Croissant • 353 implied HN points • 31 Mar 23
💼 Business Financial planning
  1. Subscription business models are more predictable and easier to forecast compared to other models.
  2. A reliable forecast can provide baseline expectations for growth, shift focus to long-term revenue, and help set goals and allocate investments.
  3. Forecasting new paid subscriptions and predicting paid cancels are key components in building a forecast model for a subscription business.

So, you messed up.

DeFi Education • 1019 implied HN points • 01 Dec 22
🔮 Crypto Financial planning
  1. Everyone makes mistakes, especially in investing. It's important to learn from them and manage risk so you can keep moving forward.
  2. If you're struggling financially, focus on increasing your cash flow, cutting expenses, and working hard. It's important to adapt to the tough times.
  3. Don't assume that past market conditions will come back. Prepare for the future by managing risks and being smart about your investments.

40-Something Creatives: What Should We Do Next?

The Intersection • 296 implied HN points • 08 Jul 23
💼 Business Financial planning
  1. In your 40s, it's crucial to reflect on your career and life path since there may not be as many 'next' opportunities left. You have to navigate responsibilities and the question: 'What should I do next for the rest of my life?'
  2. When making career decisions in your 40s, consider personal values and priorities. Understand what truly matters to you to find fulfillment and satisfaction in your professional life.
  3. Think about where you want to live, the type of work you want to do, and how much money you really need. These considerations can help guide you towards a more fulfilling and balanced professional life in your 40s.

Overview of Portfolio Construction and Risk Management, Part 2 of 2

DeFi Education • 579 implied HN points • 05 Mar 23
💰 Finance Financial planning
  1. Portfolio construction requires understanding different frameworks and methods to organize investments effectively. It's important to choose a strategy that fits your financial goals.
  2. Using leverage can be useful in certain situations, but it also increases risk. It's essential to know when it's appropriate to leverage your investments.
  3. Controlling risk with position sizing is crucial for managing your portfolio. By adjusting the size of your investments, you can better protect yourself against losses.

New Normal

Venture Prose • 219 implied HN points • 15 Oct 23
💼 Business Financial planning
  1. Set higher business goals and aim to achieve positive yields from actions taken.
  2. Question industry norms and push yourself to exceed expectations, rather than just following what others have done before.
  3. Prioritize efficiency and financial independence in your business strategies, ensuring that actions are intentional with positive long-term impacts.

What I believe about money

Trying In Public • 99 implied HN points • 08 Jan 24
💰 Finance Financial planning
  1. Money is essential and causes real emotions, impacting our lives in many ways.
  2. Being responsible with money means being accountable and meeting obligations, which might feel like a burden at times.
  3. Overcoming money problems often involves creating systems, seeking support, and taking control of one's actions to improve financial well-being.

Your Guide To Bull Market Pain Levels

The Lund Loop • 78 implied HN points • 10 Feb 24
💰 Finance Financial planning
  1. Investors experience different levels of pain in a bull market, ranging from mild discomfort to severe distress.
  2. The Pain Assessment Scale categorizes bull market pain into three main levels: Pain Free, Mild Pain, Moderate Pain, and Severe Pain.
  3. Addressing issues like position sizing, risk management, and speculation can help alleviate bull market pain. Seeking help from a financial planner is advisable if symptoms persist or worsen.

Three-Year Birthday Offer: FINAL DAYS

The Algorithmic Bridge • 84 implied HN points • 30 Jun 25
💼 Business Financial planning
  1. The Algorithmic Bridge is celebrating its third birthday and offering a 20% discount on subscriptions until July 1st. It's a great time to sign up if you’re interested.
  2. This newsletter emphasizes the human aspect of AI, focusing on how it affects people's lives and ensuring the content is relevant and caring.
  3. Subscribers will enjoy daily articles, access to a growing archive, and personalized engagement opportunities like Q&As. Current subscribers will keep their rates even as prices rise for new ones.

Soft landings in venture

The Down Round • 78 implied HN points • 18 Jan 24
💼 Business Financial planning
  1. Startups need to focus on building sustainable business models for long-term growth and survival.
  2. Companies with high valuations must navigate carefully to achieve a 'soft landing' without damaging their cap tables.
  3. Entrepreneurs should consider various strategic and financial options, including debt and unconventional fundraising, to ensure business continuity.

Net worth: what is it and how to calculate it

Concepts of Finance 🧠 • 199 implied HN points • 09 Mar 23
💰 Finance Financial planning
  1. Net worth is the total value of what you own minus what you owe. It's like seeing how much money you have if you sold everything and paid off your bills.
  2. Calculating your net worth helps you understand your financial situation. It can show if you're actually doing well or if debt is holding you back.
  3. Regularly checking your net worth can help you track your financial progress. You want it to grow over time as you save and earn more money.

All Things FAANG RSU Vesting

FAANG FIRE • 39 implied HN points • 31 Jan 24
💰 Finance Financial planning
  1. Have a plan for your RSUs before they vest and stick to it.
  2. Consider selling your RSUs shortly after vesting and investing in low-cost mutual funds.
  3. Create an overall financial plan that includes managing all sources of income, not just RSUs.

Capital Gains Tax Explained

Concepts of Finance 🧠 • 119 implied HN points • 02 Mar 23
💰 Finance Financial planning
  1. Capital gains tax is what you pay when you sell an asset, like stocks or property, for more than you bought it. If you make a profit, that profit is subject to tax.
  2. There is an annual allowance for capital gains tax, meaning you can earn a certain amount from selling assets before you have to pay any tax on it. This allowance can vary by country and type of asset.
  3. There are different tax rates for short-term and long-term capital gains. Long-term gains are usually taxed at lower rates if you've held the asset for more than a year.

Personal Finance for Tech 101 [Finance Fridays]

Technology Made Simple • 79 implied HN points • 26 Nov 22
💰 Finance Financial planning
  1. Have an Emergency Fund: Save 6-12 months of expenses to prepare for unexpected layoffs without selling investments.
  2. Pay off Debt: Prioritize paying high-interest debt to prevent it from draining your finances over time.
  3. Allocate Finances Wisely: Follow the 50-30-20 rule to budget your income for expenses, investments, and savings, ensuring a balanced financial plan.

Why model?

A Bit Gamey • 6 implied HN points • 09 Nov 25
💼 Business Financial planning
  1. Models help us make sense of complex problems by simplifying reality and revealing important patterns. This way, we can avoid confusing distractions with the truth.
  2. Good models promote clear communication and shared understanding among teams, making it easier to work together towards goals.
  3. While models are not perfect, they can help us predict outcomes and shape actions, guiding us in decision-making processes.

How much money should you raise?

Startup Real Talk • 145 implied HN points • 17 May 23
💼 Business Financial planning
  1. When raising money, aim to raise enough to become profitable or get to a point where you can raise another round.
  2. Work backwards from your next funding round to determine how much money you need to achieve your goals.
  3. It's better to raise too much money than too little, as running out of funds can lead to the company failing.

25 Stocks I'm Watching For 2025: Part 1

QTR’s Fringe Finance • 20 implied HN points • 30 Dec 24
💰 Finance Financial planning
  1. The author is identifying stocks to watch for 2025 based on market trends. This can help investors focus on specific opportunities in the stock market.
  2. In the past year, the stocks chosen performed well but not as well as the overall market, particularly the biggest tech companies.
  3. This post offers insights for paid subscribers, suggesting it provides detailed analysis and guidance for making investment decisions.