HeyJaredRobert Puelz
Faculty Member at SMU in Dallas, offering to bring clarity to your personal finance decisions when not trying to master the game of golf.
- Indexed issues, last 90 days
- 22
- Latest publication
- Sep 30, 2026
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- Jul 27, 2026
Latest issues
The Edge: What Stocks Must Earn to Beat Your Mortgage (opens the original)
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Hello subscribers!If you have a mortgage and financial investments in a taxable account, my last post may have left you wondering how well your investments need to perform if you don’t use them to pay down the debt. In today’s “The Edge,” we go deeper. Attached are a spreadsheet and an explanatory video to evaluate the trade-off under a set of assumptions.Background assumptionsTaxes. Mortgage interest is treated as not tax-deductible. On the investment side, your total return, whether dividends
Mortgage Paydown or Invest? (opens the original)
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Just a few years ago, you could borrow for a home at rates below 3%. Felt like money was free. Now, not so much. A year ago, the average rate was 6.30%. Last week, the 30-year mortgage rate jumped to 7.03% according to Freddie Mac. Higher rates put the “first home” purchase on the back burner and make relocations harder. The economic trade-offs are hard to ignore.When the news is about higher mortgage rates, awareness can get personal:Should we pay down the debt instead of investing
Same Class, New Sign on the Door (opens the original)
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Hello subscribers!My social presence needed brand consistency. I changed the wrapping paper, but the financial economics are the same.My Substack newsletter is now Moneygimme by Robert Puelz. Same me. Same Monday post. Same one-on-one benefits for paid students. Same everything.I made the change because I’m happier with my deeper learning site at Moneygimme.com. Everything is under one umbrella.What does this mean for you? Nothing you need to do. Your subscription, free or paid, carried over aut
Coast FIRE Will Burn Out (opens the original)
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Coast FIRE. It’s a movement. Financial independence, retire early. Can I stop having an earned income and do something else? That’s the question. Answers are everywhere. So are online calculator “FI” tools. It’s a play on how money compounds over time. In a NerdWallet piece, Bella Avita titled her article, “Coast FIRE Is the Internet’s New Favorite Retirement Strategy.” Coast answers a straight forward question: “If I save and invest heavily now, when will my pot
Gorge, Starve, or Smooth? (opens the original)
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How much can you spend?Earlier this week, I put the topic “Am I Doing Okay Financially?” in front of you because measuring “doing okay” is the pre-req for the next step: judging whether the result is good enough.Today answers how to measure your spending and saving benchmark.I chose the question, “If you are retired, how much should you withdraw from your retirement plans to spend to support your living standard?” but the approach is valid for those with saving on their mind: “I’m 25, how much s
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