Austin Smith
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Everything by Austin.

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Investing

IBIT Down 6.4% While FDIG Soars 18.5% in 2026 and Bitcoin Itself Explains Almost Nothing About the Gap

May 19, 2026
Personal Finance

A 54-Year-Old Cardiologist With $2.4 Million in Her 401(k) Discovers a $1.7 Million Tax-Free Loophole

May 19, 2026
Investing

XNTK Has Crushed QQQ by Six Points in 2026 and the Reason Is Hidden in How Each Fund Decides Which Stocks Matter

May 19, 2026
Investing

Tesla’s 18.97% Weight in XLY Explains Why It Beat VCR by 9 Points in Five Years

May 18, 2026
Personal Finance

The 529-to-Roth Rollover Strategy That Turns Unused College Savings Into $524,000 of Tax-Free Retirement Income

May 18, 2026
Personal Finance

The $40,000 Tax Move That Comes After Your 401(k) Hits Its Limit

May 17, 2026
Investing

CNRG and PBW Both Track Clean Energy but One Fell 61% in the Last Downturn While the Other Lost 23%

May 17, 2026
Investing

NANC Traders Beat the Crowd by 33 Points and the Difference Keeps Growing

May 16, 2026
Investing

Kiplinger Tax Letter Spots the Trap Nobody Is Talking About in New 401(k) Options

May 16, 2026
Investing

SPHQ Outpaced JQUA by 500 Basis Points Over Five Years Despite Being the Riskier Trade

May 16, 2026
Investing

GRNY Beat COWZ by 11 Points This Year. Oil Prices and Interest Rates Will Decide Who Wins Next

May 16, 2026
Personal Finance

How Tech Executives Convert RSU Vests Into $700,000 of Tax-Free 401(k) Retirement Income

May 15, 2026
Personal Finance

Cash Balance Plans Let 401(k) Holders Defer $300,000 Annually. Most Never Find Out.

May 15, 2026
Personal Finance

A $1.7 Million 401(k) Can Cost You Six Figures in Unnecessary Taxes. Here’s How to Escape the RMD Trap Starting Now

May 15, 2026
Personal Finance

The RMD Tax Trap That Turns $260,000 in 401(k) Deferrals Into a $700,000 Problem

May 15, 2026
Personal Finance

Back-Loading an Inherited 401(k) After 56 Could Cut Your Lifetime Tax Bill by Nearly $140,000

May 15, 2026
Personal Finance

The $39,200 Tax Cost That Saves $100,000 Later: A 401(k) Strategy for 60-Year-Olds

May 15, 2026
Investing

IWM and VTWO Track the Same 2000 Stocks Yet VTWO’s Ten-Year Return Crushes IWM by Nearly 40 Percentage Points

May 15, 2026
Personal Finance

58-Year-Old With $2.3M 401(k) Cuts Deferrals in Half: Here’s Why Brokerage Accounts Win at High Incomes

May 14, 2026
Investing

DRAM ETF’s 85% Surge Masks a Dangerous Bet: Why This Memory Play Doesn’t Belong in Retirement Portfolios

May 14, 2026