HeyJaredUse Your Wealth
Former Wall Street banker exploring how to use money well and how wealth impacts the changing nature of work, relationships, identity and community.
- Indexed issues, last 90 days
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- Sep 24, 2026
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- Jul 11, 2026
Latest issues
Three Types of Decamillionaires I Worked With As a Private Banker (opens the original)
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Don’t shoot the messenger, but being a millionaire is becoming passé. Seven figures just doesn’t cut it any more if you want to be above-average.1A million bucks meant mansions with butlers when I was a kid (and I’m only 42), but now it will barely buy you a fixer-upper in many large Western cities. Many of today’s millionaires clean their own toilets and mow their own grass. What’s aspirational about that? Joining the two-comma club is table stakes for younger aspirants; it’s a stepping stone o
Stop Obsessing About Your Safe Withdrawal Rate (opens the original)
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Confession time: I’m retired, I’m a Certified Financial Planner®, and I don’t even track my withdrawal rate.And no, it’s not because I’m living off dividends alone, income from a second career, or a spouse’s wages. I’m actively drawing down and living primarily off my assets.For the uninitiated, the concept of the Safe Withdrawal Rate (SWR) was introduced in 19941 by economist Bill Bengen. He found that a balanced portfolio with an initial 4% withdrawal rate, adjusted upward each year for infl
Silo, Tales of Injustice, and Touching Grass (opens the original)
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For as long as I can remember, my most visceral fear has been wrongful imprisonment. Classic stories like Cinderella and A Little Princess imprinted the injustice of indentured servitude on me as a child, and like many elder Millennials I was traumatized by the ordeals of innocent prisoners in 90’s movies like The Shawshank Redemption and Brokedown Palace.Gristly movie scenes I watched well over a decade ago still regularly pop into my head at 3am. My first real life exposure to the possibility
Why You Should Want a Private Banker (And How It Won’t Cost You Anything) Part II (opens the original)
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News flash - you can get premium financial advice for free. And I’m not just talking about this fine publication. I mean real, honest-to-goodness, professional financial services. Wealth managers get a bad rap online, but in the real world they can be an invaluable resource. I got a lot of questions after disclosing what I learned about wealthy people during my private banking career, and this two-part industry breakdown is the result. In <a href="https://melizabethgeorge.substack.com/p/why-you-
Why You Should Want a Private Banker (And How It Won’t Cost You Anything) Part I (opens the original)
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If you’re a high earner, regular borrower, or millionaire without a private banker, you may be leaving free money and fun perks on the table. After writing about what I learned about wealthy people during my private banking career, I got a lot of questions. I decided to respond with this primer on the industry - and a few reasons you may want to reconsider ignoring it. The post got so long I had to split it in two. The algorithm informed me that none of you want to read about bankers for more th
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