https://bsky.app/profile/financialreality.bsky.socialhttps://bsky.app/profile/financialreality.bsky.social/post/3mwigeh3om22sPlanet Fitness shares are down 18% over the last five days as investors realise that AI agents remove the long call headache that keeps customers locked in. When considering the winners/losers of AI, it’s important to look past the direct players to who is affected downstream.27 Sep 2026 08:53 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mwigeh3om22shttps://bsky.app/profile/financialreality.bsky.social/post/3muw6u6bx2k2t"The four most expensive words in the English language: this time it's different." - John Templeton07 Sep 2026 09:25 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3muw6u6bx2k2thttps://bsky.app/profile/financialreality.bsky.social/post/3mukba7yawk26"Don't look for the needle in the haystack. Just buy the haystack." - John Bogle02 Sep 2026 15:36 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mukba7yawk26https://bsky.app/profile/financialreality.bsky.social/post/3muhhm4gzuc2lHappy 50th birthday to the index fund! Jack Bogle’s colleagues initially called the idea “un-American”. History will show index funds as being one of the most important democratisations in investing.01 Sep 2026 12:52 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3muhhm4gzuc2lhttps://bsky.app/profile/financialreality.bsky.social/post/3muhbfc7nzs2hAndrew Bailey and Kevin Warsh looked at the same world last week and reached opposite conclusions. Bailey sees a softening labour market and is happy to wait, Warsh sees full employment and stubborn inflation.01 Sep 2026 11:01 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3muhbfc7nzs2hhttps://bsky.app/profile/financialreality.bsky.social/post/3mtyh5tozi22tDon’t compare where you are to others. What you see is often a show. That £70k car at the traffic lights driven by the person in their early 20’s - it’s financed.26 Aug 2026 13:34 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtyh5tozi22thttps://bsky.app/profile/financialreality.bsky.social/post/3mtyh5ke6y22t£100 a month can make you a millionaire. All you need is consistency and time26 Aug 2026 13:34 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtyh5ke6y22thttps://bsky.app/profile/financialreality.bsky.social/post/3mtsysllork2zMcKinsey believes that, in 2027, 75% of the companies currently quoted on the S&P 500 will have disappeared. The average life-span of companies listed in Standard & Poor’s 500 was 61 years in 1958. Today, it is less than 18 years.24 Aug 2026 09:34 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtsysllork2zhttps://bsky.app/profile/financialreality.bsky.social/post/3mtrjkdx3sk25"The first rule of compounding: never interrupt it unnecessarily." - Charlie Munger23 Aug 2026 19:28 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtrjkdx3sk25https://bsky.app/profile/financialreality.bsky.social/post/3mtr2avveh22gIs the government fixing the wrong ISA problem? thefinancialrealitycheck.com/blog/blog723 Aug 2026 14:54 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtr2avveh22ghttps://bsky.app/profile/financialreality.bsky.social/post/3mtqgcbjwek2v"Time is your friend; impulse is your enemy." — John Bogle23 Aug 2026 08:57 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtqgcbjwek2vhttps://bsky.app/profile/financialreality.bsky.social/post/3mtll52vfhs2cMillennials’ net worth has soared 134% over the last five years, compared to 32% for boomers and 40% for Gen X. Why are Millennials doing so well compared to other generations recently?21 Aug 2026 10:41 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtll52vfhs2chttps://bsky.app/profile/financialreality.bsky.social/post/3mthlkbcmpk25The Japanese Yen has already weakened so much that the U.S. Treasury intervention has been wiped out completely.19 Aug 2026 20:37 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mthlkbcmpk25https://bsky.app/profile/financialreality.bsky.social/post/3mtejpazvyk2pPeople earning $50,000 will believe they need $100,000 to be comfortable and so on and so forth. Don’t fall for the lifestyle creep.18 Aug 2026 15:26 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mtejpazvyk2phttps://bsky.app/profile/financialreality.bsky.social/post/3mt6u6mbffk2iIs the UK government fixing the wrong ISA problem? https://thefinancialrealitycheck.substack.com/p/is-the-government-fixing-the-wrong?r=7y9hz6&utm_campaign=post&utm_medium=web16 Aug 2026 09:18 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mt6u6mbffk2ihttps://bsky.app/profile/financialreality.bsky.social/post/3mt5ank27gs2yIs commission-free trading actually a thing? Or are investment platforms always taking a cut behind the scenes? Either way, the fewer transactions you make, the fewer fees you pay. Keep things simple!15 Aug 2026 17:56 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mt5ank27gs2yhttps://bsky.app/profile/financialreality.bsky.social/post/3mszpdxaaqk2yWoman in the UK do 3% better after 3 years than their male counterparts Research collated by the BBC shows that woman get slightly better returns, however are still far less likely to invest.14 Aug 2026 08:08 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3mszpdxaaqk2yhttps://bsky.app/profile/financialreality.bsky.social/post/3msxbunt3xc24Latest thoughts on the recent moves by the US Treasury https://thefinancialrealitycheck.substack.com/p/am-i-going-mador-was-this-us-treasury13 Aug 2026 09:02 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3msxbunt3xc24https://bsky.app/profile/financialreality.bsky.social/post/3msvw2m5mos2aShould the US Treasury selling Euros without telling the ECB not be much much bigger news?12 Aug 2026 19:58 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3msvw2m5mos2ahttps://bsky.app/profile/financialreality.bsky.social/post/3msvvyq56lk25Lessons from South Korea - Why you should be staying away from leverage funds https://thefinancialrealitycheck.substack.com/p/lessons-from-south-korea-why-you?r=7y9hz612 Aug 2026 19:56 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3msvvyq56lk25https://bsky.app/profile/financialreality.bsky.social/post/3msuomjjgjs26Financial Nihilism - The downfall of traditional saving Have Gen Z given up on traditional investing? https://substack.com/home/post/p-20953471212 Aug 2026 08:12 +0000at://did:plc:aawfc4yo4dc27q5tey72wrtz/app.bsky.feed.post/3msuomjjgjs26