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Insights



Finance For Normal People

You are contemplating a gift to your beloved and wonder whether it should be a red rose or $10, the price of the rose. You are a rational person who knows a bit of finance, so here’s your thinking: A rose has no utilitarian benefits — your beloved cannot eat or drink it. A rose is also a waste. It gets tossed after a few days, once the petals drop off. A $10 bill, in contrast, can pad a savings
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Getting What You Don’t Pay For

Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision. People rely on a lot of different information about costs to help inform these decisions. When you buy a car, for example, the sticker price tells you approximately how much you can expect to pay for the car itself. But the sticker price is only one part of the
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