Cypher Investor - A Mic Drop-Worthy Investment Blog

Naspers Stock Write-up – What Is the Value of Optionality?

September 30, 2021Investing8 Comments

As I write this in September of 2021, the bull market in American stocks has continued to rage on. Much of this bull market has been fueled by American tech stocks, as the backdrop to worldwide technology adoption has accelerated due to the pandemic. The problem with the excitement is…

What are Some Tips to Prioritize Spending?

September 19, 2021Personal Finance2 Comments

I just came back from a fantastic trip to Yellowstone and Grand Teton National Parks! The views were breathtaking, and these types of trips allow me to re-center. As I was biking and looking out on the Teton mountains, the nerd in me couldn't help but think about my next…

Psychology of Money Review – Why Should You Buy This Book?

September 10, 2021Book ReviewsNo Comments

Personal finance is largely taught like a math class rather than a psychology of money course. Intuitively, this makes sense - after all, people can quantify almost everything in personal finance. Even parts that can't be quantified (like risk) are endlessly constructed into physics-like equations. Moreover, these quantifications often result…

How Should We React to News on Housing Prices?

September 3, 2021Finance News ReactionsNo Comments

I can't think of a subject more fundamental to long-term wealth-building than homeownership. For the average retirement age individual, housing is their largest asset outside of Social Security. Not only is it fundamental for wealth, but it also satisfies a fundamental human need. It's on the lowest rung of Maslow's hierarchy…