Ben Carlson Ben Carlson Most Recent Why doesn't the stock market care about the news? Just this year alone stocks have shrugged off trade wars, political instability, emerging market crises, interest rate hikes by the Fed. Here's what it takes to retire a millionaire by age 65 There are a decent number of people taking advantage of tax-deferred savings vehicles but it’s a fairly small number that ever reaches millionaire status in these accounts. Are SUVs ruining retirement savings? It’s a fascinating human quirk that once you start thinking about certain types of cars you immediately begin noticing them everywhere on the roads. Why the next bear market may be more painful Bear markets are always painful. Even if they bring us all cheaper stock prices, it’s never fun to see your savings drop in value. Is 'The Handmaid's Tale' fast approaching? The latest fertility numbers in the U.S. make it appear as though the Handmaid’s Tale could be fast approaching The big secret most investment professionals don't tell you When things are going well in the markets it can become easier for investors to focus on the minutiae. One of the biggest sources of market inefficiency Career risk is by far one of the largest inefficiencies in the markets people rarely talk about. How millennials can prepare for the next financial crisis Last week, a report from Fundrise included a survey on the preparedness of millennials for the next financial crisis. The majority of young people aren’t too confident When to sell your investments The true determinants of when to sell an investment can be boiled down to the following questions: What kind of investor are you? What’s your time horizon? Why did you buy in the first place? The one variable that best explains the retirement crisis As returns in the markets grew stronger throughout the '80s and into the '90s the savings rates continued to plunge. It’s once again on the decline. If I had to point to one variable that could explain why so many are so ill-prepared for retirement it would be this. How to save money when you're young Nickel and diming your way to savings is no way to go through life. You need to prioritize the little things that make you happy and stop wasting money on the little things that don’t. 4 signs a bubble might be forming In a recent conversation with Meb Faber, William Bernstein discussed how his criteria for seeing a bubble has more to do with sociological factors than econometric indicators. Why extreme market predictions like those from Jim Rogers provide no value I’m not anti-bearish or anti-bullish, I’m anti-charlatan. Making extreme predictions about the markets comes with zero consequences because there are so many pundits these days that most forecasts are quickly forgotten. What every investor needs to do during the next bear market Regardless of the type of investment products or strategies used, every investor will need to remain disciplined during the next market downturn. When your financial plan gets thrown out the window How a personal finance expert handled the financial pressure of unexpected twins. Snap's huge loss taught millennial investors a crucial lesson The Snapchat IPO has done something most finance books, personal finance experts or nagging parents could not — it got large groups of millennials excited about investing in the stock market. The biggest problem faced by this generation of workers The modern workforce has made a dramatic shift from manufacturing to the services industry, and service workers face a unique problem. They have to learn how to sell their skills even though they're not making a tangible product.