Caleb stertzer

Securities offered through LPL Financial, Member SIPC.

[Morgan Housel @morganhousel]

Every generation thinks America was best when they were kids.

https://t.co/YyBMkY0K67

[Peter Mallouk @PeterMallouk]

What matters in the short run:
-Wars
-Oil prices
-Tariffs
-Interest rates
-Sentiment
-A million other things
What matters in the long run:
-Earnings
Speculators focus on the short run.
Investors play the long game.

[Tim Urban @waitbutwhy]

We think a lot about those black lines, forgetting that it’s all still in our hands.

[Sahil Bloom @SahilBloom]

There’s someone out there living the life you want simply because they took action and you didn’t.

They aren’t smarter than you. They aren’t more talented than you. They aren’t more connected than you.

They just took action.

They got out of their own way. They stopped looking for more advice. They stopped reading business books and listening to 7 hour podcasts. They realized nobody cares.

Your entire life will change the moment you stop gathering more information and start acting on the information you already have.

[The Winning Difference @thewinningdiff1]

The difference is the relentless effort you decide to give for your team.

[Justin Amash @justinamash]

The right kind of federal government would be one so limited and irrelevant to our daily lives that we’d rarely have to think about it.

[Caleb stertzer @caleb_stertzer]

I think this Quote from NVIDIA CEO is pivotal for all workers to understand.

[Heath Ahrens @heathahrens]

"If you're not using AI, you're going to lose your job to somebody who uses AI. That we know for certain."

This isn't about AI replacing humans.

It's about AI-enhanced humans replacing those who refuse to adapt.

The window to position yourself is closing fast:

[Derek Thompson @DKThomp]

Yes.

Writing is not a second thing that happens after thinking. The act of writing is an act of thinking. Writing *is* thinking.

Students, academics, and anyone else who outsources their writing to LLMs will find their screens full of words and their minds emptied of thought.

[Caleb stertzer @caleb_stertzer]

Very interesting look at the relationship between fear and future stock returns.

[Jeff Weniger @JeffWeniger]

Maybe my favorite chart this month.

You're looking at the highest reading on record in 1,841 weekly stock market sentiment observations from 1990 to 2025.

The inputs: the VIX volatility index + AAII survey bearish respondents + Investors Intelligence survey respondents who expect a correction.

In 10 of the last 11 fear spikes, the S&P 500 went on to gains over the next 52 weeks. Returns were often large too (+31.0%, +21.0%, and so on).

[Nick Maggiulli @dollarsanddata]

The biggest investment advantage you can have isn't:

Stock picking
Market timing
Knowing what the Fed will do next

It's the ability to keep buying when everyone else is selling.

[Caleb stertzer @caleb_stertzer]

@Lisawilkinson28 @oliviakrolczyk_ Wow, you were a D1 player? So cool! Did you play all 4 years??

[Thomas Kopelman 💵 @TKopelman]

All tax planning moves are not created equal

Some deductions lead to $100s in savings

Others lead to $10,000+ in savings

This one specifically has led some of my clients to $10,000-$50,000 in tax savings

Here's how to optimize the Qualified Business Income Deduction (QBID):

[Nick Maggiulli @dollarsanddata]

My favorite piece of career advice that I share every year:

Reduce uncertainty for others as much as you can.
Become an uncertainty killer.

I guarantee that if you can make other peoples’ lives more certain, your career will take off like never before.

[Caleb stertzer @caleb_stertzer]

This is a very illuminating chart. Actual taxes paid by income. Every group is paying less taxes than in 2017. Especially relevant as the TCJA reaches its expiration in 2026.

[Erica York @ericadyork]

The 2022 tax year was the fifth since the TCJA made significant, but temporary, changes to the individual income tax code. Average tax rates were lower in 2022 than in 2017 across all income groups.

[Thomas Kopelman 💵 @TKopelman]

Let's look back in history at all the crazy events that have happened over the years

Look at all the wars, recessions, assassinations, pandemics, etc. that have happened

How has the stock market fared?

Zoom out

[Caleb stertzer @caleb_stertzer]

Just an absolute classic

[Good Morning Liberty @GoodAMLiberty]

Phil Donahue died today at the age of 88.

I never get tired of watching one of Milton Friedman’s greatest Donahue moments:

[Coach AJ 🎯 Mental Fitness @coachajkings]

Nick Saban said, "I think you get mental toughness because things are hard. You gotta embrace hard."

"Hard times make tough people."

Toughness requires a willingness to go beyond your current limits.

It means mental flexibility.

🎥@TMitrosilis

[Sahil Bloom @SahilBloom]

The two big mistakes in life:

(The Spotlight Effect and how to dim it)

[Morgan Housel @morganhousel]

This is the biggest market decline since the last decline you don't remember or care about anymore.

[Caleb stertzer @caleb_stertzer]

I really like this quote. Don't get stuck in a rut and let time slip away.

[Sahil Bloom @SahilBloom]

I can't stop thinking about this quote:

"Some people die at 25 and aren't buried until 75." - Benjamin Franklin

You get one chance at this life.

Be relentless in your pursuit of your dreams.