Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. Let’s do math again! . $30 an Hour Is How Much a Year? Expense Amount Rent/Mortgage $1373.00 Utilities $300.00

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Budgeting Taxes Numbers Retirement 73

Good Financial Cents

DECEMBER 19, 2022

When you actually do the math, traditional braces or Invisalign can easily cost $24,000 or more for four kids! FSAs are a great way for people to save money on their healthcare costs, but not everyone has access since these accounts are offered by employers. Alternatives to Invisalign and Braces.

Insurance 84

Insurance Planning Medical Accounting 84

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. Two reasons.

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Good Financial Cents

SEPTEMBER 29, 2022

However, by doing a little math, you can easily determine your hourly wage from your annual salary. Figure out how much money you need to spend on essentials like housing, food, transportation, and healthcare. 55K a Year Is How Much an Hour? Then, you can figure out how much money you have left over for other expenses.

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The Big Picture

FEBRUARY 6, 2024

I’d say management consulting is any of the other thing that least at that time was the other career trajectory, just my personality, more of a math oriented introvert. And big consumer and healthcare. And my high high school math teacher, Mr. Hyde, he was the one who taught the computer programming course.

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The Big Picture

JANUARY 16, 2024

I was always good at math, but I really, I just didn’t relate to things that were more esoteric bonds options. And I, I think that I kind of triangulated on it. I have no family history. I have no, I, you know, knew a real estate developer I thought was really great. I knew I wanted to do something in business.

Assets 265

Assets Investing Investments Management 265

Zajac Group

FEBRUARY 10, 2025

Behavior Finance and Your Portfolio So much of the concept of investing is about logic, math, and numbers. Lets talk a bit about behavior finance as a whole, how it tends to impact those with equity compensation, and a few behavioral biases you may want to address. or Europe).

Taxes 52

Taxes Risk Tolerance Portfolio Investments 52

Brown Advisory

NOVEMBER 13, 2023

These individuals often hold essential community roles such as firefighters, police officers, teachers and healthcare workers. The impact of these programs is particularly acute as multifamily housing stock has been shrinking in recent years due to underbuilding. will require 4.3

Investments 52

Investments Investing Portfolio Clients 52

The Big Picture

SEPTEMBER 12, 2022

I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. I wasn’t that typical person that did a number of, you know, internships during the summer, had that …. RITHOLTZ: Applied Mathematics, Quants, those guys, yeah. I was econ and kind of geeky.

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Clients Wealth Management Banking Investing 300

The Big Picture

DECEMBER 6, 2022

And I did the math, and I think at that point in time, roughly speaking, assets in ETS were roughly just 10 percent, 12 percent of assets in mutual funds and I was pretty convinced that that number was to increase significantly. I remember telling myself, why would anyone invest in mutual funds when you can buy an ETF instead?

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The Big Picture

AUGUST 15, 2023

RITHOLTZ: So hold the duration risk aside with those two, but just for an investor in treasuries, I know you’ve done the math before. If you’re giving up that 1% big fat yield in 2019, 2021, let’s say you give up three years of 1% and get zero, how does the math work over the subsequent couple of years?

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Management Investing Investments Government 130

The Big Picture

MAY 13, 2025

00:16:36 [Speaker Changed] Yeah, I’m, I’m not gonna check your math on that, but I’ll, I’ll buy Eric saying your, your estimate there on what we’ve saved investors over time. I think we could ballpark it closer to $2 trillion. And I think the focus on cost has been relentless.

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The Big Picture

NOVEMBER 22, 2022

Also, healthcare is really popping up. Nashville and Atlanta are two very large healthcare hubs. And so you need strong healthcare to meet the needs of the population. RITHOLTZ: Why is it not surprising that a math nerd is also a placekicker? I know nothing about healthcare. SHAW: Well, it’s pure geometry.

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Recruitment Engineering Banking Investing 148

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing.

Banking 205

Banking Government Insurance Taxes 205

The Big Picture

MAY 9, 2023

So I took it upon myself to go off and took a course in bond math, took another course in derivatives and realized the underlying fundamental concepts were barely, I mean, it wasn’t even high school math in most cases. I didn’t know what any of these terms meant.

Assets 300

Assets Clients Investments Investing 300

Carson Wealth

MARCH 2, 2023

After you’ve done this math, you might be wondering if you have “enough,” and certainly that’s hard to assess when there are so many unknowns. One cost that surprises many early retirees is healthcare – you don’t want to find out too late that it’s far more expensive than you anticipated.

Retirement 98

Retirement Taxes Accounting Financial Advisor 98

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Part of the math that determines options premiums is the risk free rate of return from T-bills. Retire, move to Spain, enjoy food and excellent healthcare. Covered call funds have many favorable attributes. Keeping up with the broad stock market is not one of them. Assuming an 11% payout in perpetuity is a very bad idea.

Retirement 75

Retirement Accounting Math Healthcare 75

Mr. Money Mustache

NOVEMBER 10, 2020

So I decided to take some action, by doing the math for myself using a spreadsheet. In our famously broken US healthcare model, an insurance company is wedged in between you and your doctors, and it has different objectives than you do. After all, shouldn’t our career and life choices be separate from our healthcare?

Insurance 58

Insurance Medical Medicine Healthcare 58

The Big Picture

SEPTEMBER 10, 2024

So that’s the math. For example, in healthcare, which we were talking about earlier, right? Like a lot of eff in efficiencies in healthcare, well, you know, somebody’s gonna come up with a solution to kind wr out that inefficiency, okay? We have like 8% growth built in for next year’s earnings growth.

Valuation 163

Valuation Clients Investing Investments 163

The Big Picture

MAY 30, 2023

Poverty, sustenance poverty is a roof over your head, food on your table, reasonable healthcare, it’s a sustenance, the ability to sustain yourself. BRYANT: So money, unlike math, money is highly emotional. I mean, there’s 50,000 kids in the Atlanta public school system, so you can do the math there. RITHOLTZ: Right.

Banking 148

Banking Economics Business Planning Economy 148

The Big Picture

JUNE 18, 2024

00:17:16 [Speaker Changed] And, and let’s be blunt and honest, Dave Portnoy is incredibly entertaining, even if that persona is an exaggeration of who he is, but no one wants him doing the payroll or the 00:17:30 [Speaker Changed] Healthcare. 00:40:26 [Speaker Changed] They, they know, they know math, they know math.

Media 148

Media Food Advertising Investments 148

The Big Picture

SEPTEMBER 26, 2022

Take healthcare, the healthcare really is going to require systems level change to really revolutionize how we think about our health. Some of the key partners you need in the healthcare space are big hospitals like Mayo Clinic in Minnesota, or Cleveland Clinic in Ohio, or Johns Hopkins in Maryland, or MD Anderson in Texas.

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Startup Investing Investments Numbers 174

The Big Picture

JANUARY 24, 2023

You executed a $4 billion IPO for your Avantor life sciences company, the largest healthcare-related IPO I think in history, is that true? So life science supplies, healthcare, IT, managing wind and solar farms, niche software, and consumer, different things like that. RITHOLTZ: So talk about building New Mountains in 2019.

Investing 264

Investing Investments Numbers Banking 264

The Big Picture

FEBRUARY 13, 2023

Healthcare, education, not hugely cyclical, not interest rate sensitive. How are we doing in literacy versus math versus science? When you move interest rates, the economy recalibrated quickly because the goods-oriented economy, interest sensitive, cyclically oriented. But my view is the Fed has gotten to a level that is restrictive.

Economy 148

Economy Numbers Marketing Marketing 148

Good Financial Cents

AUGUST 19, 2023

EXPERT TIP That brings us back to simple math – multiplying your annual income times the number of years your family’s living expenses will need to be covered. Health Insurance If your family relies on your work for healthcare, take notice. This alone can require a $1 million life insurance policy.

Insurance 97

Insurance Insurance Coverage Medical Certified Financial Planner 97

Random Roger's Retirement Planning

MAY 10, 2025

That is inline with one way we've expressed inflation math before, that with average 3% price inflation, expenses would increase by 50% in 15 years. What about healthcare costs? Unusual Whales Tweeted out the following. In a related note, Barron's wrote about harsh Medicare reality (there are some scary nuggets in the comments too).

Medical 52

Medical Food Math Insurance 52

The Big Picture

APRIL 8, 2025

00:31:40 [Speaker Changed] So there’s the emotions and then there’s the math, right? I, you know, I, I do do the math when I, when I do some of my, my chats with the younger folks on the, on the team and I say, okay, real growth inflation term premium, you see this thing, it’s been zero or negative for the last 15 years.

Asset Allocation 148

Asset Allocation Wealth Management Clients Assets 148

The Big Picture

MAY 21, 2024

I’m kind of in intrigued by the idea of philosophy and math. So I found myself getting kind of bored with my math problem sets, and then I could shift to philosophy and then go back and forth. And if you look at the s and p today, 50% of it is asset light, innovation oriented healthcare and tech. What was the career plan?

Numbers 148

Numbers Management Banking Marketing 148

Aleph

FEBRUARY 18, 2023

Now she’s leading a push to legalize gambling in Texas [link] Legal gambling leaves society as a whole worse off Feb 16, 2023 As the country emerges from a pandemic that left children zoning out over Zoom, parents are turning to the turbocharged “Russian math” method to give their kids an academic edge.

Banking 59

Banking Healthcare Government Budgeting 59

The Big Picture

AUGUST 23, 2022

So, I did the math, 20 million times a hundred. So, let me just repeat the math. And so, again, I went through this simple math. And so, it wasn’t just a fishing boat, it was an oceangoing factory, very impressive. And asked them, how much does one of these things cost, and they said, $20 million new.

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Government Banking Numbers Investing 322

The Big Picture

JANUARY 7, 2025

But it allowed me to go into the healthcare vertical straight out of Stanford. 00:43:02 [Speaker Changed] I think the one that’s most salient that we track most closely, Barry, is the fact that because the math broke at the investor level in N 22, early 23, we’re still playing catch up on that. What does that even mean?

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Valuation Engineering Numbers Marketing 130

The Big Picture

MARCH 17, 2025

Deficits can be used to accomplish big things like, you know, repairing crumbling infrastructure, improving our healthcare education systems and, and so on and so forth. Wasn’t the Excel spreadsheet error, which changed their math. So we should talk about deficits for whom? Deficits for what, right?

Taxes 148

Taxes Economy Government Budgeting 148

The Big Picture

JUNE 20, 2023

Now, They have seized on healthcare as a huge industry to really dive into, to invest in. And the difficulty with healthcare is that you are not supposed to put profits ahead of patients. RITHOLTZ: How did private equity healthcare, senior living, nursing homes, ERs, hospitals, do during the COVID pandemic? MORGENSON: Right.

Insurance 148

Insurance Healthcare Retail Medicine 148

The Big Picture

JULY 31, 2023

I mean, you’re talking about, I don’t, I could do the math, it’s like a 10,000% return in like three weeks. And that’s sort of the math. He was right on the thesis. He found a place to express it efficiently. RITHOLTZ: Right. HOFFMAN: And he absolutely nailed the timing. I mean, it’s, I mean, really crazy.

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The Big Picture

MAY 16, 2023

And then we brought on our third partner, Gary Bennett, who had sold his company to SalesForce and we were doing a lot of enterprise and healthcare. So this is the math that I applied. So think about this, do the math. LINDZON: But that math, if you really put it in a calculator … RITHOLTZ: Becomes a problem.

Media 291

Media Investing Investments Valuation 291

The Big Picture

APRIL 2, 2024

Healthcare minimum wage. So when I was at this very fancy private school that I was at as a kid, I did math because it gave me a huge amount of free time to do the things I really cared about. But when I got to Cambridge, you know, the math was sort of serious there. So, you know, I took my math into statistics and things.

Healthcare 148

Healthcare Medicine Economics Numbers 148

The Big Picture

OCTOBER 3, 2023

You’re doing a lot of math in your head on the Fly. I’m doing, I’m doing an awful lot of math in my head on the fly. We went out, we got Shahir hired, you know, but then you’ve gotta go out and hire people in the healthcare space. Like Shahir is your person.

Taxes 281

Taxes Banking Clients Management 281