Q: Is a Mortgage Leverage?
This is for informational purposes only and is not financial advice. Investing involves risk, including the possible loss of principal. Is a Mortgage Leverage? Yes. A mortgage is
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Ruth Investment
Gen Z Started Earlier (And Is Still Behind)
Gen Z began investing a decade earlier than boomers and is still behind. Why starting early is not the same as reaching the tools that compound.
Sports Betting Is Not a Wealth Plan
26% of Gen Z investors count sports betting as part of their long-term plan. Among boomers it is 1%. Why a bet that resolves owns nothing in the meantime.
Gen Z Wants A Path to Wealth, But This Isn't It.
Beware of the growing dividend movement. Money paid out of an investment has to come from somewhere. Usually, it comes out of the investment. That is the quiet
Borrowing to Own vs. Borrowing to Bet
A fund built to return twice the daily move of a single electric vehicle company [(Lucid Group, LCID)] was wiped out this month. [LCID shares] fell more than
Time is the Advantage
The market rewards patience. Young people have more of it than anyone.
Half of America Owns Almost None of America
We're witnessing the rise of the “Net Short” generation. Ownership this concentrated does not correct on its own.
America Needs a New Path to Wealth
For most of the last century, the “American Dream” ran through a mortgage. Our parents' mortgages were special because they were safe, offered regular people early access
How We Fix Wealth-Building
Three convictions that detail Ruth's approach to fixing wealth-building for young Americans.
Introducing Ruth: The Modern Pathway to Wealth-Building
Meet Ruth, the modern pathway for young Americans to build wealth.
America, a new way is coming.
The tools that built generational wealth, finally built for you.