About

I'm Daniel Kim — a New York–based individual investor writing about personal finance, markets, and the economy in plain English.

I started this blog because I got tired of money advice built on stale numbers and borrowed opinions. Every article here starts from primary sources: Federal Reserve data (FRED), IRS publications, Bureau of Labor Statistics releases, and other official records. If a number appears in a post, you can trace it back to where it came from. I link the source and note the date I checked it. When the data changes, I update the post and mark what changed.

My background is not on Wall Street. I'm an ordinary investor managing my own portfolio of index funds, retirement accounts, and savings — the same accounts most American households have. What I bring is method, not credentials. I read the primary documents, I redo the arithmetic myself, and I show my work so you can check it.

Articles on this site are researched and edited by a human editor, with AI-assisted drafting. Every published piece goes through a fact-check pass against its cited sources before it goes live.

What you'll find here:

• Head-to-head comparisons with real, current numbers — Roth IRA vs. Traditional IRA, high-yield savings vs. CDs, term vs. whole life insurance
• Step-by-step how-to guides for taxes, retirement accounts, and budgeting basics
• Plain-English explanations of macro topics that actually affect your wallet: inflation, interest rates, mortgages, and policy changes

What you won't find: hot stock tips, "get rich quick" promises, or advice tailored to your personal situation. I don't know your income, your debts, or your goals, and a blog post can't replace a conversation with a qualified professional.

You can reach me at Junnjeffnyc@gmail.com. I read every message, though I can't always reply individually. See the Contact page for how to report a factual correction.

A note on how this site makes money: some posts contain affiliate links or display ads. I only mention products I would use myself, and commercial relationships never change the numbers — the data comes from official sources either way. See Disclosures for the full policy.

This content is for informational purposes only and is not financial advice. Investing involves risk, including the possible loss of principal. Tax rules change frequently; always verify current rules with the IRS or a qualified tax professional before acting on anything you read here.

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